Cheap 2008 Dodge Ram Pickup 1500 Car Insurance Quotes

Looking for better auto insurance rates? Shoppers have options when shopping for affordable Dodge Ram Pickup 1500 insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There is a better way to buy auto insurance and we’ll show you the best way to get price quotes for a Dodge and get the lowest price from local insurance agents and online providers.

If you have a current insurance coverage policy or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. The purpose of this post is to help educate you on how to effectively get price quotes and some money-saving tips. Vehicle owners only need an understanding of the most effective way to shop their coverage around over the internet.

How to lower your auto insurance cost

Getting a cheaper price on 2008 Dodge Ram Pickup 1500 insurance can be surprisingly simple. You just have to spend a few minutes to compare rate quotes to find out which insurance company has low cost auto insurance quotes. Rate comparisons can be done by using one of the methods below.

  • The best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing multiple quote forms for every company. In just a few minutes this one form gets rate comparisons from several companies. This is by far the quickest method.
  • A different way to analyze rates requires visiting the website of each company and repeat the quote process again and again. For example, let’s say you want to see prices from GEICO, Progressive and American Family. You would be required to navigate to each company’s site to enter the same coverage data repeatedly, which can get rather old. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you compare identical coverages for every quote you compare. If your comparisons have mixed coverages then you won’t be able to determine which rate is truly the best.

Auto insurance quotes and discounts

Auto insurance is not inexpensive, but you might find some hidden discounts that many consumers don’t even know exist. Many discounts should be triggered at the time of purchase, but lesser-known reductions have to be asked for before you will receive the discount.

  • Theft Deterent System – Cars optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
  • Claim Free – Insureds who avoid accidents and claims get the best auto insurance rates in comparison with drivers who are more careless.
  • Student in College – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

The best auto insurance companies and some of their more popular discounts can be found below.

  • Progressive includes discounts for continuous coverage, online quote discount, multi-policy, good student, and online signing.
  • MetLife has savings for defensive driver, good student, multi-policy, good driver, claim-free, accident-free
  • Mercury Insurance offers discounts for multi-policy, good student, good driver, accident-free, and type of vehicle.
  • Nationwide may include discounts for defensive driving, good student, accident-free, multi-policy, business or organization, and easy pay.
  • GEICO may have discounts that include defensive driver, emergency military deployment, five-year accident-free, multi-vehicle, driver training, anti-theft, and multi-policy.
  • AAA may offer discounts for good driver, AAA membership discount, anti-theft, education and occupation, pay-in-full, good student, and multi-policy.

Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Some discounts may not apply in your state. For a list of companies who offer cheap auto insurance quotes, follow this link.

You can change your insurance rates

It’s important that you understand some of the factors that go into determining the rates you pay for insurance coverage. When consumers understand what controls the rates you pay, this enables you to make decisions that will entitle you to lower rates. Lots of factors are used when you get a price on insurance. Some are pretty understandable such as your driving record, although some other factors are more transparent such as your marital status and annual miles driven.

  • Accidents increase rates – Having a clean driving record has a big impact on rates. Drivers who don’t get tickets get better prices than their less careful counterparts. Getting just one moving violation could increase your next policy renewal substantially. Drivers who have multiple violations like DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 form to the state department of motor vehicles in order to legally drive.
  • Higher insurance coverage rates for insurance coverage lapses – Not maintaining insurance is illegal and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will rates go up, the inability to provide proof of insurance might get you a steep fine or even jail time. You will then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower rates with alarms and GPS tracking – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
  • Guys pay higher prices – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean women are better drivers. Women and men are responsible for accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI). Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Avoid unnecessary extra coverages – There are a ton of add-on coverages you can purchase on your insurance coverage policy. Add-on coverages like roadside assistance, accident forgiveness, and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.
  • Lower rates by increasing deductibles – Physical damage coverage, also called comprehensive and collision insurance, covers your vehicle from damage. A few examples of covered claims are a windshield shattered by a rock, hitting a deer, and having your car stolen. Comp and collision deductibles define the amount you are required to spend out-of-pocket if a covered claim is submitted. The more expense you pay before a claim is paid (deductible), the lower your rates will be on Ram pickup coverage.
  • Liability insurance is important – A critical coverage on your policy, liability insurance will protect you if ever you are ruled to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court starting from day one. This coverage is relatively inexpensive compared to physical damage coverage, so do not skimp.

Situations that may require an agent’s advice

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions might help in determining if you will benefit from professional help.

  • What if I total my 2008 Dodge Ram Pickup 1500 and owe more than it’s worth?
  • Should I have combined single limit or split liability limits?
  • Is my camper covered by my car insurance policy?
  • Am I better off with higher deductibles on my 2008 Dodge Ram Pickup 1500?
  • Am I covered if I hit my neighbor’s mailbox?
  • How do I file an SR-22 for a DUI in my state?
  • Is extra glass coverage worth it?
  • Am I covered if my car is in a flood?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Does insurance coverage advertising bend the truth?

Consumers get pounded daily by advertisements for the lowest price insurance coverage by companies like State Farm, Allstate and GEICO. They all have a common claim that you’ll save big after switching to them.

How can each company say the same thing? It’s all in the words they use.

Insurance companies have underwriting criteria for a prospective insured that is profitable for them. For example, a profitable customer may be between the ages of 30 and 50, has a low-risk occupation, and has great credit. Any customer who meets those qualifications will get a cheap rate quote and is almost guaranteed to save a lot of money.

Potential customers who do not meet the requirements will see more expensive rates and the prospect going elsewhere. The trick is to say “people that switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently state the savings.

This emphasizes why you need to compare rate quotes every year. You cannot predict the company that will fit you best based on your risk profile.

Car insurance 101

Understanding the coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance pays for damage to your Ram Pickup 1500 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Liability

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid, structural damage, medical services and bail bonds. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive auto insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, hitting a deer, hitting a bird and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses like ambulance fees, nursing services and funeral costs. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Save for a rainy day

We just showed you many tips how you can save on 2008 Dodge Ram Pickup 1500 insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest rates are with the smaller companies.

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. Too many times, an insured cut full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at an affordable rate.

Insureds leave their current company for many reasons like high prices, policy non-renewal, extreme rates for teen drivers and poor customer service. Regardless of your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

Additional detailed information is located by following these links: