View 2004 Dodge Ram Pickup 1500 Insurance Quotes

Price shopping your insurance can be nearly impossible for beginners to online price comparisons. Consumers have so many agents and companies to choose from that it can easily become a difficult challenge to find a more affordable company.

It’s a great practice to do price comparisons as often as possible since prices change regularly. Even if you got the lowest quotes on Ram pickup coverage a couple years back there may be better deals available now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best way to lower your rates without sacrificing coverage.

These discounts can cut insurance rates

Auto insurance companies do not advertise all their discounts very clearly, so the list below contains a few of the more well known in addition to some of the lesser obvious ways to save on insurance.

  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.
  • Renewal Discounts – A few insurance companies offer discounts for buying a new policy early. Ten percent is about the average savings.
  • New Car Discount – Buying a new car instead of a used car can cost up to 25% less compared to insuring an older model.
  • Smart Student Discounts – This discount can get you a discount of up to 25%. You can use this discount normally until age 25.
  • Bundled Policy Discount – When you combine your home and auto insurance with one company they may give you a discount of 10% to 20% off each policy.
  • Multiple Cars – Buying insurance for several vehicles on the same insurance policy could earn a price break for each car.
  • Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
  • Federal Government Employee – Active or former government employment may reduce rates when you quote auto insurance on Ram pickup coverage but check with your company.
  • Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual and GEICO will allow you to have one accident without raising rates so long as you haven’t had any claims for a certain period of time.

A little disclaimer on discounts, some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of providers that provide some of the discounts listed above, follow this link.

Which insurance coverage is cheapest?

Most major insurance companies like Allstate, GEICO and Progressive allow consumers to get price estimates on the web. Getting online quotes is fairly simple as you just type in your personal and coverage information as detailed in the form. Behind the scenes, the company’s rating system automatically orders information on your driving record and credit history and returns pricing information based on these and other factors.

This makes comparing rates easy, but the work required to visit multiple sites and type in the same information can get tiresome after awhile. But it’s very important to perform this step if you want to find the best price possible.

A more efficient way to locate the lowest prices uses one simple form to return rates from several different companies. It saves time, eliminates repetitive work, and makes rate comparisons much easier. After sending your information, your coverage is rated and you can choose any of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It only takes a few minutes and could lower your rates considerably.

To compare pricing, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. This way, you will have a fair comparison for the exact same coverage.

When do I need an agent’s advice?

When choosing coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Do I need an umbrella policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do all my vehicles need collision coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I sign the liability waiver when renting a car?
  • Am I covered if I hit a deer?
  • What is PIP insurance?
  • Do I have newly-aquired coverage?
  • Am I insured when driving a different vehicle?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Parts of your car insurance policy

Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This coverage covers damage to your Ram Pickup 1500 resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, crashing into a building, scraping a guard rail, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, fire damage, theft and damage from flooding. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as repair bills for other people’s vehicles, legal defense fees and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Smart consumers save more

Budget-conscious 2004 Dodge Ram Pickup 1500 insurance is possible both online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and these regional carriers only sell through independent insurance agents.

We’ve covered a lot of techniques to shop for 2004 Dodge Ram Pickup 1500 insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding the cheapest auto insurance. You may even find the biggest savings come from a small local company.

Drivers switch companies for any number of reasons including delays in paying claims, high prices, policy cancellation or being labeled a high risk driver. Regardless of your reason, choosing a new insurance company is less work than it seems.

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