View 1998 Dodge Ram Pickup 2500 Insurance Rates

Want the cheapest insurance coverage rates for your Dodge Ram Pickup 2500? Are you burned out from trying to scrape together enough money to keep your car insured? You’re in the same situation as many other vehicle owners. Because there are so many choices, it can be impossible to choose the lowest cost company.

You should take the time to price shop coverage every six months since insurance prices change regularly. Just because you had the lowest rates for Ram pickup coverage a couple years back you can probably find a better premium rate now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to eliminate unnecessary coverages and save money.

Finding the best rates is not rocket science. If you are insured now or need a new policy, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers just need to understand the tricks to find the lowest price over the internet.

These discounts can lower your insurance coverage rates

Insurance can cost an arm and a leg, but you may be missing some discounts that could help you make your next renewal payment. Some discounts apply automatically when you purchase, but a few must be specifically requested in order for you to get them.

  • Low Mileage Discounts – Driving less could qualify for lower insurance coveragerates on the low mileage vehicles.
  • Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount because new vehicles keep occupants safer.
  • Early Renewal Discounts – A few companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Military Deployment Discount – Having a deployed family member could mean lower rates.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Onboard Data Collection – Insureds that choose to allow data collection to study driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts if they have good driving habits.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think you can get free auto insurance, it doesn’t quite work that way.

Companies that have most of these discounts include:

If you want affordable insurance coverage quotes, ask every insurance company which discounts they offer. Some discounts listed above may not be available in your area.

Choices you make can impact your insurance premiums

When buying insurance it’s important to understand some of the things that come into play when calculating the price you pay for insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that may reward you with lower insurance prices.

Listed below are a few of the “ingredients” that factor into premiums.

  • Good credit equals lower costs – An insured’s credit score is a big factor in your rate calculation. If your credit rating can use some improvement, you could potentially save money when insuring your 1998 Dodge Ram Pickup 2500 by repairing your credit. Consumers who have high credit scores tend to file fewer claims than those with lower credit ratings.
  • Teenagers vs. older drivers – Youthful drivers are statistically proven to be inattentive when driving with friends therefore insurance rates are much higher. Adding a teen driver to your insurance policy can break the bank. Mature drivers are shown to be more cautious, tend to cause fewer accidents , and are generally more financially stable.
  • Physical damage deductibles – Physical damage deductibles define the amount you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. Some coverage claims could be rearending another vehicle, damage caused by hail, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the bigger discount you will receive for Ram pickup coverage.
  • Better premiums for no policy lapses – Having a lapse in insurance coverage is a quick way to increase your rates. Not only will rates go up, getting caught without coverage may result in fines and jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Men tend to take more risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean females are better drivers. Men and women tend to get into at-fault accidents at a similar rate, but guys tend to have more serious accidents. In addition to higher claims, males also receive more costly citations like DWI (DUI) or reckless driving.

Different people need different insurance coverages

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight whether or not you might need an agent’s assistance.

  • Is my 1998 Dodge Ram Pickup 2500 covered for smoke damage?
  • What discounts do I qualify for?
  • What is an SR-22 filing?
  • What is UM/UIM insurance?
  • Am I covered if my car is in a flood?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Do drivers who switch really save $470 a year?

Consumers can’t escape the ads for the lowest price car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you’ll save big if you change to them.

How do they all cost less than your current company? Just pay attention to how they say it.

Companies have specific characteristics for the driver that makes them money. One example of this type of insured could be between 25 and 40, insures multiple vehicles, and drives a safe vehicle. A propective insured who meets those qualifications will most likely get cheap prices and will probably save a lot if they switch.

Drivers who don’t measure up to the “perfect” profile will probably be forced to pay a higher rate and this results in the customer not buying. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” save that much. That’s the way companies can state the savings. Because every company is different, drivers should compare as many free insurance coverage quotes as you can. It’s just not possible to know which car insurance company will have the best prices.

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family 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. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for dental work, pain medications, ambulance fees and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, hitting a deer and damage from flooding. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Auto liability – Liability coverage will cover damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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

Liability coverage pays for things such as medical expenses, court costs, legal defense fees and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Shop Smart and Save

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where consumers will sacrifice full coverage to discover at claim time they didn’t have enough coverage. Your strategy should be to buy enough coverage for the lowest cost and still be able to protect your assets.

Affordable 1998 Dodge Ram Pickup 2500 insurance is attainable on the web as well as from independent agents, so you need to quote insurance coverage with both to have the best rate selection. There are still a few companies who do not provide rates over the internet and many times these regional insurance providers only sell through local independent agents.

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