Cheaper 1995 Dodge Ram Pickup 1500 Insurance Rates

There isn’t a single person who likes paying for auto insurance, especially knowing it costs too dang much. There is such a variety of insurers to choose from, and though it is a good thing to have multiple companies, more choices can make it harder to compare rates and find the lowest cost auto insurance.

Discounts can really help save money

Insurance can be prohibitively expensive, but companies offer discounts that you may not even know about. A few discounts will be applied when you quote, but a few need to be asked for before being credited.

  • Early Renewal Discounts – A few insurance companies give discounts for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Life Insurance – If the company offers life insurance, you could get a break if you buy a life policy as well.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 15% off the personal injury premium cost.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Ram pickup coverage depending on your company.
  • Student Discounts – Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
  • Drive Safe and Save – Drivers without accidents can get discounts for up to 45% lower rates for Ram pickup coverage compared to accident prone drivers.
  • E-sign – Many companies may give you up to $50 for buying your policy on their website.
  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.

A quick disclaimer, most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to view insurance companies that provide some of the discounts listed above, click here to view.

Will just any policy work for me?

When choosing the best insurance coverage coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can help discover if you could use an agent’s help.

  • How high should deductibles be on a 1995 Dodge Ram Pickup 1500?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How does medical payments coverage work?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I buy additional glass protection?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance coverage specifics

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Liability car insurance – Liability coverage will cover damage that occurs to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, repair costs for stationary objects, funeral expenses, pain and suffering and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Pickup 1500.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverages – This coverage pays for damage to your Ram Pickup 1500 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, driving through your garage door, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, falling objects and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for chiropractic care, dental work, X-ray expenses, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

The best insurance company isn’t always the cheapest

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. The goal is to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

Budget-conscious 1995 Dodge Ram Pickup 1500 insurance is definitely available both online as well as from insurance agents, and you should compare rates from both to have the best selection. Some companies may not have online price quotes and most of the time these small, regional companies work with local independent agencies.

We’ve covered many tips how you can shop for 1995 Dodge Ram Pickup 1500 insurance online. The most important thing to understand is the more quotes you get, the better likelihood of getting inexpensive insurance. Consumers could even find that the most savings is with some of the lesser-known companies. These companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

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