Compare 2009 Dodge Ram Pickup 1500 Insurance Rates

Overpriced insurance coverage can bottom out your savings, especially in this economy.

Because you have many options, it can be diffult for drivers to find the cheapest insurance coverage company.

You should make it a habit to price shop coverage occasionally because prices trend upward over time. Even if you got the best price on Ram pickup insurance at your last renewal other companies may now be cheaper. Block out anything you think you know about insurance coverage because it’s time to teach you how to use online quotes to reduce your cost while increasing coverage.

Insurance coverage quotes and discounts

Companies don’t always list every disount available in a way that’s easy to find, so the list below gives a summary of both well-publicized and also the more inconspicuous credits that may apply to you.

  • Savings for New Vehicles – Buying a new car model can save you some money because new model year vehicles keep occupants safer.
  • One Accident Forgiven – Not a discount per se, but companies like GEICO, State Farm, and Progressive will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Driver’s Education for Students – Have your child enroll in driver’s education in school.
  • Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Passive Restraints – Cars that have air bags can qualify for discounts of more than 20%.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off the medical payments premium.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

To locate providers who offer insurance coverage discounts, click this link.

The quickest method to compare car insurance rates is to realize auto insurance companies allow for online access to compare rate quotes. The one thing you need to do is provide a small amount of information including if the car is leased, how your vehicles are used, if you have a valid license, and how much education you have. Your details is sent automatically to many of the top insurers and you receive quotes within a short period of time.

To compare rates for your car now, click here and complete the quick form.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • Do I pay less for low miles?
  • Does liability extend to a camper or trailer?
  • Should I get collision insurance on every vehicle?
  • Is my teen driver covered when they drive my company car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Learn about insurance coverages for a 2009 Dodge Ram Pickup 1500

Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Collision protection

Collision insurance will pay to fix damage to your Ram Pickup 1500 caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, vandalism, hitting a deer and falling objects. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Dodge Ram Pickup 1500.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as structural damage, medical expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance

Med pay and PIP coverage pay for expenses for things like prosthetic devices, hospital visits, pain medications and chiropractic care. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

The bottom line

A few companies may not provide online quoting small insurance companies sell through independent agents. Cheaper 2009 Dodge Ram Pickup 1500 insurance is definitely available online as well as from insurance agents, and you need to price shop both to get a complete price analysis.

We’ve covered many ideas to shop for 2009 Dodge Ram Pickup 1500 insurance online. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. Drivers may discover the most savings is with the least-expected company. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like Progressive and GEICO.

More tips and info about insurance coverage is available at these sites: