Cheap 2002 Dodge Ram Pickup 1500 Insurance Quotes

Purchasing lower priced car insurance on the internet is somewhat intimidating for drivers that are not comfortable with quoting and price shopping on the internet. With literally dozens of companies, how are we expected to be able to compare them all to find better car insurance prices?

Drivers can save with these discounts

Auto insurance companies don’t always publicize all available discounts in an easy-to-find place, so we break down both the well known as well as the least known savings tricks you should be using when you buy auto insurance online. If you don’t get every credit possible, you are paying more than you should be.

  • Discounts for Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles with the same company can get a discount for every vehicle.
  • Bundled Policy Discount – When you have multiple policies with one insurance company you may save over 10 percent off each policy depending on the company.
  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on Ram pickup coverage but check with your company.
  • Telematics Devices – Policyholders that allow data collection to study when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
  • Early Payment Discounts – By paying your entire bill at once rather than spreading payments over time you may have a lower total premium amount.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower rates.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
  • Mature Driver Discount – Seniors may be able to get a small decrease in premiums on Ram pickup coverage.
  • Include Life Insurance and Save – Larger insurance companies have lower rates if you buy life insurance from them.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control can reduce accidents and therefore earn up to a 10% discount.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, it just doesn’t work that way.

A few companies who may offer some of the discounts shown above include:

Check with every insurance company which discounts they offer. Some discounts listed above may not apply to policyholders in your state. To view car insurance companies who offer cheap car insurance quotes, click here.

The cheapest insurance coverage price quotes

To find the best insurance coverage prices, there are several ways to compare rate quotes from many available insurance coverage companies in your state. The easiest way by far to find the lowest 2002 Dodge Ram Pickup 1500 rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

  1. One of the fastest ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating boring form submissions for every company. One form submission gets you coverage quotes from insurance coverage companies with the best prices. This is by far the quickest method.
  2. A different way to find better pricing consists of going to each individual company website to complete their respective quote request forms. For examples sake, let’s say you want to see prices from USAA, Liberty Mutual and Allstate. In order to compare rates, you need to go to every website and repeatedly enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you’re using nearly identical quote information for each comparison quote. If your comparisons have different deductibles it will be next to impossible to find the best deal for your Dodge Ram Pickup 1500. Just slight variations in coverages could throw off the whole comparison. And when quoting insurance coverage, remember that quoting more increases the change that you will find a better price. Not every company allows you to get prices over the internet, so it’s recommended that you also compare quotes from them, too.

Special considerations

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • Is extra glass coverage worth it?
  • Is upholstery damage covered by car insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if hit by an uninsured driver?
  • Are rock chip repairs covered?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Detailed coverages of your car insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 1500.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – Collision insurance pays for damage to your Ram Pickup 1500 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a parking meter, hitting a mailbox, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from getting keyed and fire damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like prosthetic devices, funeral costs and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability – This provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Be a Smart Shopper

Consumers switch companies for any number of reasons including extreme rates for teen drivers, poor customer service, lack of trust in their agent and even delays in paying claims. It doesn’t matter what your reason, finding a new insurance coverage company can be easy and end up saving you some money.

You just learned quite a bit of information on how to save on 2002 Dodge Ram Pickup 1500 insurance. The most important thing to understand is the more you quote auto insurance, the higher the chance of saving money. Consumers could even find that the biggest savings come from a lesser-known regional company.

Some insurance coverage companies may not offer rate quotes online and usually these smaller providers provide coverage only through independent agents. Budget-conscious 2002 Dodge Ram Pickup 1500 insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

Additional insurance coverage information can be read at these links: