Save on 1995 Dodge Ram Pickup 2500 Insurance Quotes

Want better insurance coverage rates? Drivers have many options when trying to find the lowest priced Dodge Ram Pickup 2500 insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to get rate quotes.

There are both good and bad ways to buy insurance coverage and you need to know the best way to get price quotes for a Dodge and obtain the best price possible either online or from local insurance agents.

Verify you’re earning every discount

Some providers don’t always publicize all their discounts very well, so the list below gives a summary of both well-publicized and also the lesser-known credits that may apply to you. If you’re not getting every credit available, you are not getting the best rate possible.

  • Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident without the usual rate increase if your claims history is clear prior to the accident.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could be rewarded with better premium rates on cars that stay parked.
  • Own a Home – Owning your own home or condo may earn you a small savings because owning a home is proof that your finances are in order.
  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get reduced rates for Ram pickup coverage.
  • Memberships – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your bill.
  • Student in College – Kids who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Driver Training Discounts – Taking a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
  • Early Renewal Discounts – Some larger companies provide a discount for signing up prior to your current policy expiring. The savings is around 10%.
  • E-sign – A few larger online companies will provide an incentive for signing up on their website.
  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will help reduce your policy premiums.

Popular insurance coverage companies and their offered discounts are outlined below.

  • The Hartford policyholders can earn discounts including vehicle fuel type, bundle, anti-theft, air bag, defensive driver, and driver training.
  • American Family discounts include Steer into Savings, defensive driver, TimeAway discount, good driver, and accident-free.
  • Progressive may include discounts for good student, homeowner, continuous coverage, multi-policy, multi-vehicle, and online quote discount.
  • Travelers offers discounts for payment discounts, home ownership, multi-policy, save driver, multi-car, and new car.
  • Farmers Insurance offers premium reductions for youthful driver, homeowner, business and professional, bundle discounts, and alternative fuel.
  • USAA has discounts for multi-policy, loyalty savings, new vehicle, defensive driver, safe driver, family discount, and annual mileage.
  • Liberty Mutual may offer discounts for newly retired, preferred payment discount, new vehicle discount, good student, teen driver discount, multi-policy, and hybrid vehicle.

It’s a good idea to ask each company or agent to give you their best rates. Depending on the company, some discounts may not apply to policyholders in your area.

The quickest way to compare insurance rates in your area is to know most insurance companies will pay a fee to give free rates quotes. To get started, all you need to do is give them some information like if you went to college, whether the vehicles are used for commuting, if it has an alarm system, and your job. Your details gets sent immediately to insurance companies and they return quotes instantly to find the best rate.

To compare rates now, click here and enter your coverage details.

Five things that affect your insurance rates

Consumers need to have an understanding of the different types of things that help calculate your policy premiums. When you understand what determines base rates, this enables you to make decisions that may result in lower premium levels. Many things are used when you get your auto insurance bill. Some are obvious such as traffic violations, but other criteria are more obscure like where you live or your vehicle rating.

The list below includes a partial list of the pieces used by your company to calculate premiums.

  • Drive less and get lower costs – Driving more miles each year the higher your rate. A lot of companies rate vehicles based upon how the vehicle is primarily used. Autos left parked in the garage receive better premium rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Ram Pickup 2500 may be costing you higher rates. Verify your insurance coverage policy is showing annual mileage.
  • Five star IIHS safety rating saves money – Cars with high safety ratings cost less to insure. Safer cars result in less severe injuries and lower injury rates means less money paid by your insurance company and cheaper rates on your policy. If the Dodge Ram Pickup 2500 has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Do women or men drive better? – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. Males and females cause fender benders in similar percentages, but men have accidents that have higher claims. Men also receive more costly citations like DUI and reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Discounts for multiple policies – Lots of insurers apply discounts to policyholders who carry more than one policy in the form of a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to shop around to ensure the best deal.There is a good possibility that you can save money even if you insure with multiple companies
  • High premiums for teen drivers – Older insureds tend to be more responsible, cause fewer claims and accidents and are safer drivers.Young drivers are known to be easily distracted behind the wheel so insurance coverage rates are higher.

When should I discuss my situation with an agent?

When buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions can help discover whether your personal situation will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • Is rental equipment covered for theft or damage?
  • Is my 1995 Dodge Ram Pickup 2500 covered for flood damage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need PIP coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 1995 Dodge Ram Pickup 2500 to commute?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance in the media

Drivers get pounded daily by advertisements for auto insurance savings by GEICO, State Farm and Progressive. All the ads convey the message about how much you will save after switching your coverage.

How does every auto insurance company offer you a better deal? Here is how they do it.

All the different companies have a certain “appetite” for the right customer that makes them money. For example, a desirable insured might have to be between 30 and 50, has a clear driving record, and drives a vehicle with a low ISO rating. Any driver who meets those qualifications will get low rates and therefore will cut their rates substantially.

Potential insureds who cannot meet these criteria may be forced to pay a higher rate and ends up with the customer not buying. The trick companies use is to say “people that switch” but not “everyone who gets a quote” save money. This is how companies can state the savings.

This illustrates why drivers should get insurance coverage quotes from several different companies. It’s just too difficult to predict which company will have the best prices.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance – This will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair bills for other people’s vehicles, medical services, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 2500.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This covers damage to your Ram Pickup 2500 caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, rock chips in glass, vandalism and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like doctor visits, nursing services, pain medications and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers 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

Find Good Coverage for Less

We just covered some good ideas how you can get a better price on 1995 Dodge Ram Pickup 2500 insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding affordable insurance coverage. Consumers could even find that the best rates are with a lesser-known regional company.

Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, extreme rates for teen drivers, denial of a claim or even poor customer service. Regardless of your reason, switching companies is actually quite simple.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

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