2002 Dodge Ram Pickup 2500 Car Insurance Quotes

Looking for the cheapest insurance rates for your Dodge Ram Pickup 2500? Price shopping your insurance might be hard for drivers who have little experience comparing rates online. There are so many companies to choose from that it can be a difficult challenge to find more affordable rates.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. Buying the cheapest coverage is not that difficult. But vehicle owners must know the methods companies use to market on the web and take advantage of how the system works.

Low cost auto insurance quotes

Comparing auto insurance rates can take time and effort if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

Many popular insurance companies belong to an insurance system that enables customers to submit one quote, and each participating company provides a quote based on that information. This system prevents you from having to do quote requests for each company.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to using this type of form is you are unable to specify which insurance companies to receive prices from. So if you want to select specific insurance companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you use, ensure you are comparing the same coverage limits for each quote you get. If you enter different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Dodge Ram Pickup 2500. Having just a slight variation in insurance coverages or limits may cause a big price difference. It’s important to know that comparing all the rates in your area increases your odds of finding more affordable rates.

You are unique and your car insurance should be too

When it comes to buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Am I covered when driving someone else’s vehicle?
  • Is my trailer covered?
  • Can I afford low physical damage deductibles?
  • What is high-risk coverage and where do I buy it?
  • Do I need rental car coverage?
  • Is my custom paint covered by insurance?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance policy specifics

Having a good grasp of your car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverage – This protects you from damage that occurs to a person or their property. This insurance protects YOU against claims from other people. 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 injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, medical services, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision – Collision coverage pays for damage to your Ram Pickup 2500 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, backing into a parked car, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Dodge Ram Pickup 2500.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage – This 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 coverage pays for claims such as damage from flooding, fire damage, hail damage and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for doctor visits, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay