1994 Dodge Ram Pickup 2500 Insurance Rates – 10 Policy Discounts

Want better insurance coverage rates for your Dodge Ram Pickup 2500? Having to pay for high-priced Dodge Ram Pickup 2500 insurance can eat up your personal savings and force you to prioritize other expenses. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

Consumers should take time to get comparison quotes occasionally because prices are adjusted regularly by insurance companies. Just because you found the best price for Ram pickup insurance a couple years back there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to find out the tricks you need to know to buy cheaper insurance coverage.

Car insurance discounts help slash rates

Some insurers do not list every discount they offer very well, so we break down both well-publicized as well as the least known discounts that you can inquire about if you buy auto insurance online.

  • Own a Home – Just being a homeowner may trigger a policy discount on car insurance because of the fact that having a home means you have a higher level of financial diligence.
  • Waiver for an Accident – This isn’t a discount exactly, but some insurance companies permit an accident without raising rates as long as you don’t have any claims before the accident.
  • Lower Rates for Military – Having an actively deployed family member could trigger a small discount.
  • Accident Free – Insureds who avoid accidents and claims pay much less when compared with accident-prone drivers.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower car insurancerates on the low mileage vehicles.
  • Professional Memberships – Joining specific professional or occupational memberships or organizations can get you a small discount on car insurance.
  • Smart Student Discounts – Excelling in school can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
  • More Vehicles More Savings – Buying a policy with several vehicles on one policy could earn a price break for each car.
  • Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you may earn nearly 15% which can help you find cheaper auto insurance.
  • Sign Early and Save – A few companies allow discounts for buying a new policy prior to your current policy expiring. This can save 10% or more.

Just know that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like you could get a free car insurance policy, it’s just not the way it works. Any qualifying discounts will lower the amount you have to pay.

For a list of car insurance companies offering car insurance discounts, click here to view.

Insurance quotes comparison

Cutting your insurance rates is not rocket science. Consumers just need to spend a little time comparing rate quotes to see which company has low cost auto insurance quotes. Price comparisons can be done in a couple of different ways.

The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing a different quote for each company. Completing one form gets insurance cost estimates from several companies.

A slightly less efficient method to analyze rates consists of going to the website for every company you want to comare and go through the quote process again. For examples sake, let’s say you need rates from Farmers, GEICO and GMAC. To do that, you would have to take the time to go to each site to input your insurance information, which can take a lot of time.

For a list of companies in your area, click here.

The least efficient and most time consuming way to compare price estimates is physically going to insurance agents’ offices. Quoting online has made agencies unnecessary unless your situation requires the professional advice that only an agent can give. It is possible with some companies compare online quotes but buy the policy through an agent.

Whichever way you choose to compare rates, make sure you are using exactly the same coverages on every price quote you get. If your comparisons have different liability limits it’s not possible to decipher which rate is best.

Which is the best car insurance?

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • Do I benefit by insuring my home with the same company?
  • Why does it cost so much to insure a teen driver?
  • Am I covered by my spouse’s policy after a separation?
  • Does my insurance cover a custom paint job?
  • Do I need more liability coverage?
  • What can I do if my company denied a claim?
  • What is no-fault insurance?
  • Am I missing any policy discounts?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages explained

Understanding the coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most car insurance policies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, hospital visits and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 2500.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, hitting a bird, damage from flooding and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – This coverage pays for damage to your Ram Pickup 2500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, crashing into a building, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability – This coverage protects you from injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like structural damage, funeral expenses, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Don’t break the bank

Cheap 1994 Dodge Ram Pickup 2500 insurance is available on the web and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not provide the ability to get quotes online and these smaller companies only sell through independent agents.

In this article, we presented many ideas to compare 1994 Dodge Ram Pickup 2500 insurance prices online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

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