Save on 1996 Dodge Ram Pickup 2500 Insurance Rates

Looking for lower insurance coverage rates for your Dodge Ram Pickup 2500? Feel like you’re a prisoner to an expensive insurance coverage policy? It’s a common feeling and many consumers feel financially strained by their insurance coverage policy.

There is such a variety of car insurance companies to purchase coverage from, and although it’s nice to have multiple companies, having more insurers makes it harder to find the lowest cost provider.

It’s important to shop coverage around every six months because insurance coverage prices go up and down regularly. Just because you found the best price for Ram pickup insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to show you how to quote online to save on insurance coverage.

Shopping for the cheapest auto insurance coverage is easy if you know what you’re doing. In a nutshell, every vehicle owner who is shopping for auto insurance will be able to lower their premiums. But car owners can benefit by having an understanding of the way companies determine prices and use this information to your advantage.

Insurance cost influencing factors

Smart consumers have a good feel for the rating factors that go into determining the price you pay for insurance coverage. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to cheaper rates.

  • Alarms and GPS tracking lowers prices – Driving a car with an alarm system can help bring down rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft and help bring rates down.
  • Always have insurance coverage – Going without insurance is a quick way to increase your renewal premiums. Not only will rates go up, the inability to provide proof of insurance will get you fines or a revoked license. Then you may be required to file a SR-22 with your state department of motor vehicles.
  • Raise deductibles and save – Protection for physical damage, aka comp and collision, covers damage that occurs to your Dodge. Examples of some claims that would be covered could be colliding with a building, flood damage, or theft. The deductibles you choose are how much you are willing to pay before a claim is paid by your company. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be for Ram pickup insurance.
  • Vehicles with better crash test results cost less to insure – Cars with high safety ratings tend to have better insurance rates. Vehicles built for safety reduce occupant injuries and fewer serious injuries translates directly to fewer claims and more competitive rates for policyholders.

How much does insurance coverage cost?

Comparing insurance coverage rates can be a lot of work if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize online quotes for quick rates.

Many companies participate in a marketplace that enables customers to submit one quote, and at least one company returns a rated price based on that information. This prevents consumers from doing quote requests to every company. To find out what other companies charge click here to open in new window.

The only drawback to using this type of system is you don’t know exactly which providers to get pricing from. So if you prefer to choose specific providers to compare, we have assembled a list of low cost insurance coverage companies in your area. View list of insurance companies.

Take whichever approach you prefer, but do your best to enter equivalent coverage information for each comparison quote. If you compare differing limits it will be next to impossible to determine which rate is truly the best. Even a minor difference in coverage limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that getting more free quotes provides better odds of finding the best offered rates. Not every company provides price estimates online, so it’s necessary to compare price estimates from them as well.

Use discounts on car insurance

Some companies do not advertise all their discounts in a way that’s easy to find, so the list below gives a summary of some of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online.

  • Defensive Driver Discounts – Successfully completing a course in driver safety could possibly earn you a 5% discount and also improve your driving technique.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Active Military Service – Having a deployed family member could mean lower prices.
  • E-sign Discounts – A few car insurance companies provide a small discount for buying a policy and signing up on your computer.
  • Multi-Vehicle Discounts – Buying insurance for all your vehicles on one policy can reduce rates for all insured vehicles.
  • Accident Forgiveness – Not a discount per se, but some companies like Liberty Mutual, Allstate and State Farm may permit one accident before your rates go up if you have no claims for a particular time prior to the accident.
  • Include Life Insurance and Save – Car insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Onboard Data Collection – Insureds who allow companies to monitor driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they exhibit good driving behavior.
  • New Car Discount – Buying a new car model can get you a discount since newer models are generally safer.
  • Safe Driver Discounts – Accident-free drivers can pay as much as 50% less for Ram pickup insurance as compared to drivers with claims.

It’s important to note that most discounts do not apply the the whole policy. Most only cut individual premiums such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But all discounts should definitely cut your policy cost.

Large car insurance companies and a partial list of their discounts are included below.

  • American Family may include discounts for air bags, Steer into Savings, bundled insurance, accident-free, and good student.
  • State Farm offers premium reductions for passive restraint, multiple policy, Drive Safe & Save, multiple autos, Steer Clear safe driver discount, and accident-free.
  • 21st Century includes discounts for good student, student driver, air bags, homeowners, 55 and older, teen driver, and defensive driver.
  • Travelers discounts include student away at school, new car, multi-policy, save driver, and payment discounts.
  • GEICO has discounts for multi-policy, seat belt use, federal employee, emergency military deployment, and defensive driver.

If you need lower rates, check with all the companies what discounts are available to you. Discounts might not be offered in your area. To view providers that offer multiple discounts, click here.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Why do I only qualify for high-risk insurance?
  • Why does it cost so much to insure a teen driver?
  • Am I getting all the discounts available?
  • Should I have a commercial auto policy?
  • Does my insurance cover a custom paint job?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage information

Learning about specific coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most car insurance policies.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, emergency aid, legal defense fees, funeral expenses and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM Coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 2500.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, fire damage, hail damage and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, X-ray expenses and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This covers damage to your Ram Pickup 2500 from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, driving through your garage door, hitting a parking meter, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

We just presented quite a bit of information on how to lower your 1996 Dodge Ram Pickup 2500 insurance premium rates. The most important thing to understand is the more times you quote, the higher your chance of finding inexpensive auto insurance. Drivers may discover the lowest premium rates come from a lesser-known regional company. Some small companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.

When shopping online for insurance, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.

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