Compare 2005 Dodge Ram Pickup 1500 Insurance Quotes

I can’t think of a single person who gets a kick out of paying for auto insurance, especially when they are aware that the cost is too high. Popular companies such as GEICO and Progressive increase brand awareness with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

How to lower your insurance rates

It’s important that you understand the factors that play a part in calculating the price you pay for auto insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that could result in better auto insurance rates.

  • Discounts for married drivers – Having a significant other can get you a discount on auto insurance. Having a significant other generally demonstrates drivers are more responsible and it’s proven that married drivers tend to file fewer claims.
  • Insure your auto and home with one company – Most auto insurance companies will award lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to as much as ten percent or more Even with this discount, you may still want to comparison shop to ensure the best deal.
  • Females tend to take less risk – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into fender benders in similar numbers, but guys have accidents that have higher claims. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 cause the most accidents so they pay the highest premiums.
  • Poor credit can mean higher rates – A driver’s credit history factor in calculating your auto insurance rates. Drivers with very high credit ratings tend to be better risks to insure than drivers who have lower credit scores. Therefore, if your credit score can use some improvement, you could save money insuring your 2005 Dodge Ram Pickup 1500 by repairing your credit.
  • Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts passed on to you as lower rates.
  • Better rates for uninterrupted coverage – Having a gap between insurance policy dates will be a fast way to bump up your auto insurance costs. In addition to paying higher rates, the inability to provide proof of insurance will get you a license revocation or jail time.
  • Policy add-ons could be costing you – Insurance policies have a lot of optional add-on coverages that can add up if you aren’t careful. Insurance for rental car coverage, high-cost glass coverage, and motor club memberships are some examples. These coverages may sound good when buying your policy, but if they’re wasting money think about removing them and cutting costs.
  • Better prices for being claim-free – Auto insurance companies provide discounts to policyholders that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.

How to buy auto insurance online

Most larger insurance companies like Allstate and Progressive provide prices for coverage online. Obtaining pricing is quite easy as you just enter the coverages you want as requested by the quote form. Once you submit the form, the company’s rating system will order your credit score and driving record and returns a price quote based on the information you submitted. Online price quotes makes it a lot easier to compare rates but the process of having to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it’s also necessary to have as many quotes as possible if you are searching for better auto insurance pricing.

A better way to lower your rates uses just one form to obtain quotes from multiple companies. This type of form saves time, requires much less work on your part, and makes rate comparisons a lot less work. After sending your information, your coverage is rated and you can choose your choice of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To quickly find out what other companies charge, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you input the limits and deductibles exactly as they are listed on your policy. This ensures you’re receiving rate comparison quotes for the exact same coverage.

Can switching companies really save?

Drivers can’t escape the ads that claim the cheapest prices from the likes of Allstate and Progressive. All the ads have a common claim that people will save if you move your policy.

How do they all give you a lower rate? This is how they do it.

Different companies give the best rates for the right customer that earns them a profit. For instance, a profitable customer could possibly be a mature driver, has other policies, and drives a vehicle with a low ISO rating. Any driver that hits that “sweet spot” will get a cheap rate quote and most likely will pay quite a bit less when switching companies.

Drivers who cannot meet those criteria will have to pay more expensive rates which usually ends up with the customer buying from a different company. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save money. That’s the way companies can truthfully advertise the way they do.

This really illustrates why it is so important to compare rate quotes every year. It is impossible to predict with any certainty which company will be your best fit.

Car insurance discounts help slash rates

Companies offering auto insurance do not advertise the complete list of policy discounts very clearly, so below is a list a few of the more well known and also the lesser-known credits that may apply to you. If you aren’t receiving every discount you deserve, you could be getting lower rates.

  • Sign Online – Some companies may give you up to $50 for signing up on their website.
  • Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
  • Waiver for an Accident – This isn’t a discount exactly, but some insurance companies will let one accident slide without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
  • Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Active Service Discounts – Being on active deployment in the military may lower your prices slightly.
  • Professional Organizations – Participating in qualifying clubs or civic groups is a good way to get lower rates when shopping for car insurance.
  • Save over 55 – If you qualify as a senior citizen, you can get a discount up to 10% for Ram pickup coverage.

Drivers should understand that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, you’re out of luck.

If you would like to choose from a list of insurers who offer online car insurance quotes, click here.

Which is the best insurance coverage?

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • If my 2005 Dodge Ram Pickup 1500 is totaled, can I afford another vehicle?
  • When do I need to add a new car to my policy?
  • Do I need more liability coverage?
  • What is no-fault insurance?
  • Do I need higher collision deductibles?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Learn about auto insurance coverages for a Dodge Ram Pickup 1500

Learning about specific coverages of your auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses such as nursing services, chiropractic care, EMT expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle and theft. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for liability

This provides protection from damage that occurs to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as legal defense fees, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

In the end, you save

We just showed you some good ideas how to save on 2005 Dodge Ram Pickup 1500 insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the lowest priced car insurance comes from an unexpected company. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

When getting insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

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