1999 Dodge Ram Pickup 2500 Insurance Quotes – 8 Tips for Best Rates

No sane person gets a kick out of paying for car insurance, especially when their premiums are through the roof. Multiple insurance companies compete for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute lowest price

If you have a current insurance policy or are shopping for new coverage, you can use these techniques to get lower rates while maintaining coverages. Finding affordable coverage is not rocket science. Consumers only need an understanding of the tricks to compare rates online.

More discounts mean cheaper premiums

Some providers do not advertise their entire list of discounts in an easy-to-find place, so the following is a list of a few of the more well known and also the lesser-known discounts you could be receiving when you buy insurance online.

  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and qualify for as much as a 10% discount.
  • Homeowners Discount – Owning your own home or condo may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Multi-policy Discount – If you insure your home and vehicles and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Discount for Swiching Early – Some larger companies give discounts for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
  • Military Rewards – Being on active deployment in the military could trigger a small discount.
  • Full Payment Discount – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Student in College – Youth drivers who attend college more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.

Don’t be surprised that most credits do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of insurance companies that have a full spectrum of discounts, click here.

The quickest way to compare rate quotes is to realize car insurance companies provide online access to give rate comparisons. To begin a comparison, all you need to do is give them rating details such as the year, make and model of vehicles, marital status, coverage limits, and daily mileage. That information is instantly submitted to many highly-rated insurers and you get price estimates instantly.

It’s not one size fits all

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • When should I buy a commercial auto policy?
  • Is a new car covered when I drive it off the dealer lot?
  • If I drive on a suspended license am I covered?
  • Why is insurance for a teen driver so high?
  • I have a DUI can I still get coverage?
  • Should I put collision coverage on all my vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a deer, damage from flooding, a tree branch falling on your vehicle and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as dental work, rehabilitation expenses, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, court costs, bail bonds, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 2500.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Have money to burn

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced full coverage only to find out that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Lower-priced insurance is definitely available both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not provide online quoting and these smaller companies only sell coverage through independent agents.

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