Lower Your 1998 Dodge Ram Pickup 1500 Insurance Rates

Trying to find low-cost insurance for your Dodge Ram Pickup 1500 could be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to shop for car insurance and you need to know the quickest way to compare rates on a Dodge and find the lowest price from both online companies and local agents.

If you have a policy now or are just looking to switch companies, you can use this information to find the best rates while maintaining coverages. Buying cheaper coverage can be fairly easy. Drivers only need an understanding of the most effective way to find the lowest price on the web.

The quickest way to compare rates is to know the fact almost all companies pay for the opportunity to provide you with a free rate quote. To get started, all you need to do is provide a little information like whether you are single or married, if you are currently licensed, what your job is, and which vehicles you own. That information is instantly sent to many highly-rated insurers and they return rate quotes quickly.

Do you qualify for discount auto insurance?

Buying auto insurance is not cheap, but you might find some hidden discounts that many consumers don’t even know exist. Some discounts will apply when you complete an application, but some need to be asked about before being credited.

  • Active Military Service – Having an actively deployed family member could mean lower prices.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small discount on rates for Ram pickup insurance.
  • Paperwork-free – A handful of companies will give a small break for buying your policy over the internet.
  • Savings for New Vehicles – Putting insurance on a new car can save you some money due to better safety requirements for newer models.
  • One Accident Forgiven – Not really a discount, but a handful of insurance companies will let one accident slide before your rates go up so long as you are claim-free prior to the accident.
  • Distant Student – Children who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
  • Early Renewal Discounts – Some larger companies reward drivers for buying a policy early. Ten percent is about the average savings.

Don’t be surprised that some credits don’t apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, you aren’t that lucky.

A few companies that may have some of the discounts shown above may include but are not limited to:

Before purchasing a policy, check with all companies you are considering to apply every possible discount. Some of the discounts discussed earlier may not apply in your area. If you would like to choose from a list of auto insurance companies that have a full spectrum of discounts, follow this link.

What insurance coverages do I need?

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions could help you determine if you will benefit from professional help.

  • How can I get my company to pay me more for my totalled car?
  • Does my 1998 Dodge Ram Pickup 1500 qualify for pleasure use?
  • What are the financial responsibility laws in my state?
  • Should I have a commercial auto policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I get a multi-policy discount?
  • Does my policy cover my teen driver if they drive my company car?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance 101

Understanding the coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

This will pay to fix damage to your Ram Pickup 1500 caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, vandalism and hitting a bird. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like ambulance fees, surgery, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as court costs, medical expenses, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.