Save on 2000 Dodge Ram Pickup 1500 Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Dodge Ram Pickup 1500? Are you drained from not being able to afford to pay auto insurance each month? You are in the same boat as many other consumers.

Online insurance companies like Progressive, GEICO and Farmers Insurance constantly blast consumers with fancy advertisements and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. Finding affordable coverage is not that difficult. Nevertheless, consumers must learn the way companies price online insurance.

Car insurance companies offer many discounts

Auto insurance companies do not list every discount they offer in a way that’s easy to find, so the next list breaks down both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

  • Driving Data Discount – Policyholders that allow data collection to spy on their driving habits by using a telematic data system such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
  • Mature Driver Discount – Mature drivers may receive a small decrease in premiums for Ram pickup insurance.
  • Multiple Vehicles – Drivers who insure all your vehicles on the same car insurance policy can get a discount for every vehicle.
  • Student in College – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
  • Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates for Ram pickup insurance as compared to drivers with claims.
  • Buy New and Save – Buying a new car model can get you a discount because newer models keep occupants safer.
  • Organization Discounts – Joining a professional or civic organization could qualify you for a break on your next car insurance statement.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Home Ownership Discount – Owning a house may earn you a small savings since home ownership means you have a higher level of financial diligence.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.

As is typical with insurance, most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

A few of the larger companies and a partial list of their discounts include:

  • Travelers discounts include continuous insurance, IntelliDrive, driver training, new car, home ownership, and save driver.
  • 21st Century has discounts for defensive driver, driver training, anti-lock brakes, early bird, air bags, and teen driver.
  • State Farm may include discounts for safe vehicle, good student, passive restraint, defensive driving training, and driver’s education.
  • GEICO policyholders can earn discounts including anti-lock brakes, five-year accident-free, multi-vehicle, air bags, federal employee, and emergency military deployment.
  • SAFECO offers premium reductions for safe driver, anti-lock brakes, drive less, homeowner, teen safety rewards, accident prevention training, and multi-car.
  • AAA may have discounts that include pay-in-full, good student, AAA membership discount, multi-car, and education and occupation.

When getting free insurance quotes, it’s a good idea to each insurance company to apply every possible discount. Some credits may not apply to policyholders everywhere. To see insurance companies that offer the discounts shown above, click here.

How to buy insurance coverage

To find inexpensive insurance quotes, there are several ways to obtain and compare prices from all the different companies. The fastest way to find competitive 2000 Dodge Ram Pickup 1500 insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

  • One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating multiple quote forms for each company you want a rate for. Completing one form will get you rate comparisons from all major companies.
  • A different way to analyze rates requires you to visit the website of each company and repeat the quote process again and again. For sake of this example, we’ll pretend you want to compare GEICO, 21st Century and State Farm. You would be required to navigate to each company’s site and type in your information over and over, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, ensure you are comparing identical coverage data on every price quote you get. If each company quotes different coverage information it will be next to impossible to truly determine the lowest rate. Just slight variations in coverage limits could mean much higher rates. And when price shopping your coverage, comparing more company’s prices provides better odds of finding the best price.

Learn how to quote insurance at a discount

Multiple criteria are part of the calculation when pricing auto insurance. Most are fairly basic such as traffic violations, although others are more obscure like your continuous coverage or your financial responsibility.

The itemized list below are a few of the things used by your company to calculate your premiums.

  • Safer cars means lower insurance rates – Vehicles with good safety scores tend to be cheaper to insure. Safer cars reduce occupant injuries and better occupant protection means less money paid by your insurance company which can result in lower premiums.
  • Insurance rates in urban areas – Choosing to live in less populated areas of the country has definite advantages when trying to find low car insurance rates. People who live in big cities have to deal with more auto accidents and higher rates of accident claims. Less people means less chance of accidents.
  • Infrequent drivers can save – The more miles you rack up on your Dodge each year the more you will pay for insurance. A lot of insurance companies apply a rate based on their usage. Cars that sit idle most of the time receive better premium rates compared to those used for work or business. A policy that improperly rates your Ram Pickup 1500 is just wasting money. Ask your agent if your insurance coverage properly reflects the correct driver usage, because improper ratings can cost you money.
  • Liability protection limits should be high – The liability section of your policy will protect you if you are ruled to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court to attempt to prove you were not liable. Liability is cheap compared to other policy coverages, so do not cut corners here.
  • Maintain insurance coverage – Having a gap between insurance policy dates can be a fast way to increase your rates. And not only will your rates increase, getting caught without coverage will get you fines or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.

Do I just need basic coverages?

When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation will benefit from professional help.

  • Should I buy only the required minimum liability coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Am I missing any policy discounts?
  • Who is covered by my policy?
  • Do all my vehicles need collision coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Does medical payments coverage apply to all occupants?
  • Should I sign the liability waiver when renting a car?
  • Do I have coverage when using my vehicle for my home business?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages 101

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Collision coverage – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a mailbox, rolling your car and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 1500.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage – Liability insurance will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like repair costs for stationary objects, bail bonds and medical services. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like ambulance fees, EMT expenses and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

More quotes mean more savings

We covered a lot of ways to shop for 2000 Dodge Ram Pickup 1500 insurance online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best premium rates are with some of the lesser-known companies. These smaller insurers can often provide lower prices in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

Cost effective 2000 Dodge Ram Pickup 1500 insurance is available online and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not have online rate quotes and usually these regional insurance providers work with local independent agencies.

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