2009 Dodge Ram Pickup 2500 Car Insurance Cost – 9 Tips for Best Prices

Want lower auto insurance rates for your Dodge Ram Pickup 2500? Did budget coverage turn out to be high-priced auto insurance? It’s quite common and there are lots of residents who feel the same.

Numerous insurers battle for your insurance dollar, and it can be difficult to compare rates and get the definite best price available.

You should make it a habit to take a look at other company’s rates on a regular basis because prices trend upward over time. Even if you think you had the lowest price for Ram pickup insurance at your last renewal there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because you’re about to find out the fastest way to reduce your cost while improving coverage.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Buying car insurance is not rocket science. Nevertheless, car owners do need to understand how the larger insurance companies sell online.

Low cost insurance coverage prices

Performing a rate comparison can be a lot of work if you don’t utilize the fastest way to get free quotes. You could waste time talking about coverages with insurance companies in your area, or you can utilize online quoting for quick rates.

Many of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company then returns a price quote based on that data. This system prevents you from having to do form submissions to each company. To use this form to compare rates click to open in new window.

The one disadvantage to using this type of form is you are unable to specify the insurers to receive prices from. If you would rather choose specific providers for rate comparison, we have a listing of insurance coverage companies in your area. Click here to view list.

Whichever method you choose, make sure you compare the exact same coverage data for each price quote. If the quotes have different deductibles you can’t possibly determine which company has the best rates. Slightly different limits can make a big difference in price. And when price shopping your coverage, comparing more quotes increases your odds of finding more affordable rates. Some smaller insurers to not give online price quotes, so it’s necessary to compare rates from those companies as well.

Lower-cost car insurance rates with discounts

Companies do not advertise every possible discount very clearly, so the following is a list of both the well known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Homeowners Pay Less – Being a homeowner may trigger a policy discount on car insurance because owning a home is proof that your finances are in order.
  • Memberships – Participating in qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
  • Bundled Policy Discount – If you have multiple policies with the same company they may give you a discount of as much as 10 to 15 percent.
  • Waiver for an Accident – Not really a discount, but a few companies such as Libery Mutual, GEICO and Allstate will let one accident slide before they charge you more for coverage if you are claim-free for a particular time prior to the accident.
  • Passive Restraints – Cars that have air bags can receive discounts of 25 to 30%.
  • E-sign – A few car insurance companies may give you up to $50 for buying a policy and signing up on your computer.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Distant College Student Discount – who are attending college and leave their car at home can receive lower rates.
  • Early Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.

As a disclaimer on discounts, most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of their more popular discounts can be found below.

  • GEICO may include discounts for driver training, anti-lock brakes, multi-policy, seat belt use, defensive driver, and air bags.
  • Travelers offers premium reductions for student away at school, multi-policy, new car, good student, and multi-car.
  • Nationwide has savings for anti-theft, easy pay, accident-free, business or organization, multi-policy, family plan, and Farm Bureau membership.
  • Farmers Insurance includes discounts for alternative fuel, teen driver, switch companies, distant student, multi-car, and mature driver.
  • Esurance may have discounts that include online shopper, multi-policy, renters, anti-lock brakes, safety device, multi-car, and Pac-12 alumni.
  • State Farm offers discounts including Drive Safe & Save, multiple policy, accident-free, Steer Clear safe driver discount, student away at school, and defensive driving training.
  • Progressive may offer discounts for homeowner, multi-vehicle, good student, online quote discount, multi-policy, continuous coverage, and online signing.
  • Mercury Insurance has discounts for age of vehicle, professional/association, annual mileage, ease of repair, good student, accident-free, and low natural disaster claims.

When quoting, ask every insurance company what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your area. If you would like to view car insurance companies that offer discounts, click this link.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining if you may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • Should I waive the damage coverage when renting a car?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I get collision insurance on every vehicle?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

But the ad said I’d save 15% in 15 minutes!

GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to make the promise about savings after switching your auto insurance policy to them. How is it possible that every company can charge less that you’re paying now?

Insurance companies give the best rates for the type of customer that will generate a profit. For example, a desirable risk should be between the ages of 30 and 50, has never had a claim, and drives less than 10,000 miles a year. A customer getting a price quote who fits those characteristics will qualify for the lowest car insurance rates as well as pay quite a bit less when switching companies.

Drivers who don’t qualify for those standards may be required to pay higher premiums and ends up with the customer buying from a different company. The wording the ads use say “drivers who switch” not “all people who quote” save that much money. This is how insurance companies can confidently make those statements.

Each company has different criteria, so it is so important to get auto insurance quotes from several different companies. It’s just too difficult to predict the company that will have the best rates at this point in time.

Specific coverages for a 2009 Dodge Ram Pickup 2500

Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Collision coverage

Collision insurance pays for damage to your Ram Pickup 2500 resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects, damage from flooding and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses for things like ambulance fees, pain medications, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects, medical services, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Pickup 2500.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Don’t throw your cash in the trash

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

In this article, we covered many ideas to get a better price on 2009 Dodge Ram Pickup 2500 insurance. The most important thing to understand is the more times you quote, the better likelihood of getting cheap auto insurance. You may be surprised to find that the most savings is with a smaller regional carrier. Regional companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate and Progressive.

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