2003 Dodge Ram Pickup 1500 Insurance Quotes – 7 Ideas for Cheapest Rates

If you are new to getting insurance quotes online, there’s a good chance you are bewildered by the large number local agents and online companies who all claim to have the lowest rates.

It is always a good idea to quote other rates on a regular basis since prices change quite often. Despite the fact that you may have had the best rates on Ram pickup coverage last year the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because we’re going to show you how to use online quotes to properly buy coverages and cut your premium.

Discounts can really help lower premiums

Some insurance providers don’t always list their entire list of discounts in a way that’s easy to find, so the next list breaks down both the well known and also the more inconspicuous discounts you could be receiving when you buy insurance online. If you’re not getting every credit you qualify for, you are throwing money away.

  • Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks get insurance on their website.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars with the same car insurance company can reduce the rates for all insured vehicles.
  • Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Professional Memberships – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your bill.
  • Save over 55 – Drivers over the age of 55 can get lower premium rates on Ram pickup coverage.
  • Auto/Home Discount – If you have multiple policies and place coverage with the same company you may earn at least 10 to 15 percent or more.
  • Own a Home – Simply owning a home may earn you a small savings because owning a home shows financial diligence.

Keep in mind that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Auto insurance companies that may include these discounts are:

Before buying, ask every insurance company how many discounts you can get. Some discounts listed above might not be offered on policies in your area.

Finding auto insurance

When looking for the cheapest insurance quotes, there are a couple ways to compare rate quotes from different companies. The best way to comparison shop is to use the internet to compare rates. It is quite easy and can be accomplished in a couple minutes as outlined below.

Without a doubt, the easiest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate forms for each company you want a rate for. A single form gets rate comparisons from all major companies. It’s the fastest way to compare.

A different way to analyze rates requires you to visit the website for each individual company and repeat the quote process. For examples sake, we’ll pretend you want to see prices from State Farm, Esurance and Progressive. You would need to take the time to go to each site to enter your coverage information, which can get rather old. For a list of companies in your area, click here.

The most time-consuming method to quote and compare insurance rates is driving around to all the different insurance agencies. Comparing rate quotes online eliminates this option unless you require the extra assistance only provided by licensed agents. If you prefer, some companies allow you to get the lowest quotes online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just make sure you are using the same coverages and limits on every quote you get. If your comparisons have differing limits it will be next to impossible to make an equal comparison. Slightly different coverage limits could skew the results. Just remember that making a lot of price comparisons helps locate the best offered rates. Not every company allows you to get rate quotes online, so you should also compare quotes from those companies as well.

Will just any policy work for me?

When buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • Am I covered if I break a side mirror?
  • What is PIP insurance?
  • Is my ex-spouse still covered by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Will my insurance pay for OEM parts?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I have coverage if my license is suspended?
  • Is business property covered if stolen from my car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, funeral costs and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

This can cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, bail bonds and legal defense fees. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Collision insurance

This will pay to fix damage to your Ram Pickup 1500 resulting from a collision with an object or car. 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 scraping a guard rail, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2003 Dodge Ram Pickup 1500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield, fire damage, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Final considerations

Consumers who switch companies do it for many reasons like delays in responding to claim requests, poor customer service, policy non-renewal and delays in paying claims. Regardless of your reason for switching companies, finding a great new company is easier than you think.

There are still a few companies who don’t offer internet price quotes regional insurance providers prefer to sell through independent agents. Cost effective 2003 Dodge Ram Pickup 1500 insurance is definitely available online and also from your neighborhood agents, and you should compare rates from both to have the best selection.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In many instances, an insured cut uninsured motorist or liability limits only to find out that it was a big mistake. Your goal is to buy enough coverage for the lowest cost while still protecting your assets.

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