2001 Dodge Ram Pickup 2500 Car Insurance Cost – 8 Savings Tips

Searching for the cheapest insurance rates for your Dodge Ram Pickup 2500? Have you finally had enough of wondering where the money will come from to keep your car insured? You are no different than most other drivers.

Big-name insurance companies like GEICO, Progressive and Allstate constantly bombard you with fancy advertisements and it is difficult to ignore the promise of big savings and find the best price available.

First Step: Get free insurance coverage quotes

To find the best insurance coverage prices, there are several ways to compare quotes from different insurance companies. The easiest way to do a complete rate comparison is to perform an online rate comparison. It’s really quite simple and can be done in a couple of different ways.

  • The single most time-saving way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This style of form prevents you from having to do a different quote for each company. One form submission will get you price quotes from insurance coverage companies with the best prices.
  • A more difficult way to compare rate quotes requires visiting each company’s website and repeat the quote process again and again. For sake of this example, let’s assume you want rates from USAA, GEICO and State Farm. You would need to navigate to each company’s site and enter your information, which can get old fast. For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you’re using identical coverage limits for every company. If you use mixed coverages you will not be able to make a fair rate comparison. Quoting even small variations in limits may result in large price differences. Just keep in mind that comparing more quotes helps you find a better price.

Truth in insurance advertising

Big name companies like Allstate and Progressive constantly bombard you with television, radio, and online ads. They all seem to say the same thing that you’ll save big just by moving your policy. How do they all charge you less for car insurance? Just pay attention to how they say it.

Insurance companies have a preferred profile for the right customer that will be a good risk. A good example of a profitable risk profile might have to be over age 30, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that matches those criteria will probably get the lowest rates and will also pay quite a bit less when switching companies.

Drivers who don’t meet these criteria will be charged higher rates which results in the prospect going elsewhere. The ad wording is “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how companies can truthfully make those claims.

This really emphasizes why you should compare as many free insurance quotes as you can. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

Cheaper rates with these eight insurance coverage discounts

Not too many consumers would say insurance coverage is affordable, but you might find some hidden discounts to cut the cost considerably. Some trigger automatically when you purchase, but a few need to be specially asked for before they will apply. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Telematics Data Discounts – Drivers that enable data collection to scrutinize driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
  • Good Grades Discount – This discount may save you up to 25%. The discount lasts until age 25.
  • Driver Safety – Participating in a defensive driving course could earn you a small percentage discount and also improve your driving technique.
  • Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
  • Memberships – Participating in certain professional organizations is a good way to get lower rates on your next insurance coverage statement.
  • Discounts for Cautious Drivers – Drivers without accidents may receive a discount up to 45% on Ram pickup coverage as compared to drivers with claims.
  • Low Mileage Discounts – Driving fewer miles could earn discounted insurance coveragerates on garaged vehicles.
  • Multi-car Discount – Insuring multiple cars with the same insurance coverage company qualifies for this discount.

A quick disclaimer, most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will definitely lower the cost of your policy.

Larger insurance coverage companies and their offered discounts can be read below.

  • GEICO offers discounts for anti-theft, membership and employees, driver training, emergency military deployment, seat belt use, multi-vehicle, and daytime running lights.
  • MetLife policyholders can earn discounts including good student, claim-free, multi-policy, good driver, defensive driver, accident-free
  • State Farm may include discounts for Drive Safe & Save, anti-theft, good driver, driver’s education, Steer Clear safe driver discount, and multiple autos.
  • Progressive has discounts for good student, multi-vehicle, continuous coverage, online quote discount, multi-policy, online signing, and homeowner.
  • Mercury Insurance offers discounts including good student, ease of repair, age of vehicle, low natural disaster claims, and accident-free.
  • 21st Century may offer discounts for early bird, student driver, homeowners, air bags, automatic seat belts, driver training, and 55 and older.
  • Allstate has savings for eSmart discount, economy car, good student, EZ pay plan discount, and senior citizen.

Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Discounts might not be available to policyholders in your area. To choose insurance coverage companies with discount insurance coverage rates, click here.

Insurance can get complicated

When choosing coverage, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • Am I covered if I drive in a foreign country?
  • I have health insurance so do I need medical payments coverage?
  • How much liability do I need to cover my assets?
  • What exactly is covered by my policy?
  • Are split liability limits better than a combined single limit?
  • When does my teenage driver need to be added to my policy?
  • How much can I save by bundling my policies?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Car insurance coverages for a 2001 Dodge Ram Pickup 2500

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for funeral costs, X-ray expenses, dental work and ambulance fees. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your Ram Pickup 2500 resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, rock chips in glass and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage will cover damage or injury you incur to other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

More quotes. Lower rates.

As you restructure your insurance plan, do not reduce needed coverages to save money. There have been many situations where someone sacrificed full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We just showed you many ideas to compare 2001 Dodge Ram Pickup 2500 insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest prices are with a small mutual company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.

Some insurance providers do not offer rates over the internet and many times these smaller companies only sell coverage through independent agents. Cheaper 2001 Dodge Ram Pickup 2500 insurance can be purchased both online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture.

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