2000 Dodge Ram Pickup 2500 Insurance Quotes

I can’t think of anyone who likes paying for insurance, especially knowing they could find lower prices if they just compared rates.

Due to the increasing number of companies to choose from, it’s nearly impossible to find the most affordable insurance provider.

It’s a good habit to get comparison quotes before your next renewal since insurance prices change frequently. Just because you had the lowest price on Ram pickup coverage six months ago you can probably find a better rate quote now. Don’t believe everything you read about insurance on the internet, but I’m going to show you a lot of great tips on how to lower your insurance rates.

Low cost insurance prices

When comparison shopping, there are several ways to compare rate quotes from companies that offer insurance in your state. The easiest way by far to find the cheapest Dodge Ram Pickup 2500 insurance rates is to get quotes online. It’s really quite simple and can be done in a couple of different ways.

One of the fastest ways to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This style of form eliminates the need for separate forms for every insurance company. A single form will return price quotes from insurance companies with the best prices.

Another way to find better pricing requires a visit to the website of each company and fill out a new quote form. For examples sake, let’s assume you want to view quotes from Auto-Owners, Progressive and American Family. You would have to spend time on each company’s site to enter the same coverage data repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

The least efficient and most time consuming way to compare price quotes is to waste gas driving to insurance agencies in your area. Buying insurance online eliminates this option unless you want the advice and guidance that can only be provided by a licensed insurance agent. However, consumers can find lower rates online but buy the policy through an agent.

You can choose any of those ways to find more affodable coverage, but try to keep identical quote data for every quote you compare. If you compare different limits and deductibles on each one then you won’t be able to make a fair comparison for your Dodge Ram Pickup 2500. Quoting even small variations in insurance coverages may cause a big price difference. It’s important to know that comparing more company’s prices provides better odds of finding a better price. Some smaller insurers to not give prices over the internet, so you should also compare price quotes from them, too.

Save with these premium-slashing discounts

Companies that sell car insurance don’t necessarily list their entire list of discounts very well, so the following list contains some of the more common and the more hidden credits available to you.

  • Anti-theft Discount – Cars optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Military Rewards – Being deployed in the military may lower your premium rates slightly.
  • Discount for Low Mileage – Low annual miles may enable drivers to earn substantially lower insurancerates.
  • Senior Citizen Rates – Mature drivers are able to get a discount up to 10% on Ram pickup coverage.
  • Paper-free Discount – Some of the larger companies give back up to $50 simply for signing on the web.

You can save money using discounts, but most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To view companies who offer discounts, click this link.

Do I need special coverages?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine whether you might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • If my 2000 Dodge Ram Pickup 2500 is totaled, can I afford another vehicle?
  • Is my state a no-fault state?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I crash into my own garage door?
  • Can I make deliveries for my home business?
  • Should I carry comprehensive and collision coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Is my nanny covered when driving my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for pain medications, surgery, hospital visits, funeral costs and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 2500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Auto liability

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU against other people’s claims. 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 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as medical services, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Ram Pickup 2500 caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane, fire damage and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Take this to the bank

Cost effective 2000 Dodge Ram Pickup 2500 insurance can be purchased online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies do not offer internet price quotes and many times these small, regional companies sell through independent agencies.

When getting insurance coverage quotes online, it’s not a good idea to buy less coverage just to save a little money. In many cases, drivers have reduced physical damage coverage and learned later that the savings was not a smart move. Your goal is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

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