1997 Dodge Ram Pickup 1500 Car Insurance Quotes

I doubt anyone rejoices having to buy insurance coverage, especially knowing it costs too dang much.

There are many insurers to buy insurance from, and even though it’s nice to have a choice, more choices can make it harder to compare rates and find the lowest cost insurance coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. Basically, every vehicle owner who is required by state law to have insurance coverage will most likely be able to lower their premiums. But consumers can benefit from knowing the way companies determine prices and take advantage of how the system works.

Quote insurance online

Most of the larger companies like Progressive, Allstate and GEICO allow consumers to get coverage prices on the web. Doing online price comparisons can be done by anyone as you just type in the coverages you want into a form. Upon sending the form, the system sends out for reports for credit and driving violations and generates pricing information. Online price quotes streamlines rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you want to get better insurance pricing.

There is a better way!

A less time-consuming method to compare rates utilizes a single form to get prices from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online a lot less work. After sending the form, it is quoted and you can select any of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes less than 15 minutes and may result in a nice savings.

To quickly find out how much you’re overpaying now, click here and fill out the form. If you have a policy now, it’s recommended you enter as shown on your current policy. Doing this guarantees you will have rate quotes using the same coverage and limits.

Brand name doesn’t guarantee savings

Companies like Progressive, Allstate and GEICO continually stream television, radio, and online ads. They all state the claim that drivers will save a bundle if you just switch to their company. How is it possible that every company can say the same thing? It’s all in the wording.

Companies have underwriting criteria for the type of customer that will be a good risk. One example of a profitable insured might be described as between the ages of 30 and 50, carries high limits, and has excellent credit. A driver that hits that “sweet spot” will most likely get cheap rates and will save a lot if they switch.

Drivers who cannot meet these standards may be required to pay higher rates and ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save money. That is how insurance companies can advertise the way they do. This really emphasizes why it is so important to do a quote comparison often. Because you never know which insurance companies will give you lower rates than your current company.

Double check you’re getting with these discounts

Some insurers do not list the entire discount list in a way that’s easy to find, so we break down a few of the more well known and the more hidden discounts that you may qualify for. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

  • Telematics Devices – Policyholders that allow data collection to analyze where and when they drive by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if their driving habits are good.
  • Include Life Insurance and Save – Larger companies have a discounted rate on car insurance if you buy some life insurance too.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars with the same company could earn a price break for each car.
  • Distant Student Discount – Older children who live away from home to go to college and do not take a car to college may be able to be covered for less.
  • Braking Control Discount – Cars with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Theft Deterent – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Seat Belt Usage – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks off the medical payments premium.

Discounts save money, but please remember that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky. But all discounts should help reduce the amount you have to pay.

Auto insurance companies that possibly offer some of the discounts shown above may include but are not limited to:

If you need cheap insurance quotes, ask every insurance company how you can save money. Some discounts listed above might not be offered on policies in your area.

Your situation helps dictate your coverage

When choosing the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can help discover if you may require specific advice.

  • What if I don’t agree with a claim settlement offer?
  • Should I put collision coverage on all my vehicles?
  • What is no-fault insurance?
  • Am I covered if I hit a deer?
  • Am I insured when driving a different vehicle?
  • Do I have coverage if my license is suspended?
  • Am I covered when delivering products for my home-based business?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Car insurance coverage information

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, falling objects and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

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

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – This will pay to fix damage to your Ram Pickup 1500 from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability – Liability coverage can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, attorney fees and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses like hospital visits, dental work and nursing services. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

A fool and his money are soon parted

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the best price, but don’t skip important coverages to save money.

We just covered some good ideas how you can get a better price on 1997 Dodge Ram Pickup 1500 insurance. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding cheap insurance. You may be surprised to find that the most savings is with some of the smallest insurance companies. Some small companies often have lower premium rates on specific markets than the large multi-state companies such as GEICO and State Farm.

For more information, feel free to browse the articles below: