How Much Does 2010 Dodge Ram Pickup 1500 Insurance Cost?

Want better insurance rates for your Dodge Ram Pickup 1500? Paying for expensive Dodge Ram Pickup 1500 insurance can draw down your accounts and make it hard to pay other bills. Doing a rate comparison is an excellent way to slash your bill and have more diposable income.

You have so many insurance companies to buy insurance from, and although it’s nice to have multiple companies, more choices can make it harder to compare company pricing.

Buying car insurance is not rocket science. If you have a current auto insurance policy or need new coverage, you can use this information to find better prices while maintaining coverages. Consumers only need an understanding of the proper methods to get comparison rates on the web.

What determines Dodge Ram Pickup 1500 insurance premiums?

Lots of things are used in the calculation when premium rates are determined. Some are pretty understandable like your driving record, although others are not quite as obvious like where you live or your commute time.A large part of saving on insurance coverage is knowing some of the factors that help calculate your insurance coverage rates. If you know what controls the rates you pay, this enables informed choices that may result in lower rates.

The items below are a partial list of the pieces used by companies to determine your rates.

  • Miles impacts costs – The more miles you rack up on your Dodge in a year’s time the higher your rates will be. A lot of insurance companies calculate prices based upon how much you drive. Vehicles that have low annual miles receive better premium rates than vehicles that have high annual mileage. An incorrectly rated Ram Pickup 1500 may be costing you higher rates. Make sure your policy is showing how each vehicle is driven.
  • Age of drivers – Older, more experienced drivers have been proven to be more responsible, tend to cause fewer accidents .Drivers with little experience are proven to be careless and easily distracted when behind the wheel therefore insurance coverage rates are much higher.
  • Drive a safer car and pay less – Cars with five star safety ratings cost less to insure. These vehicles reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and thus lower rates.
  • Cut premiums and deter theft – Selecting a car model with advanced anti-theft systems can help lower your premiums. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Higher insurance coverage rates for specific employers – Did you know your career choice can influence rates? Jobs such as fire fighters, architects and accountants have the highest average rates due to job stress and lots of time spent away from family. On the other hand, professions such as farmers, engineers and retirees get better rates for Ram pickup coverage.

How to get free car insurance quotes online

Comparing car insurance rates can be a daunting task if you don’t understand the most efficient way. You could waste a few hours talking to local insurance agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most major companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company can provide price quotes for coverage. This system prevents you from having to do form submissions for every car insurance company.

To compare rates using this form now click here (opens in new window).

One minor caviat to using this type of system is that consumers can’t choose which insurance companies to receive prices from. If you wish to select specific providers to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, do your best to use the same deductibles and coverage limits on every quote. If you are comparing differing limits you can’t possibly decipher which rate is best.

Discounts for lower-cost insurance rates

Companies don’t always publicize all disounts very well, so the following list contains both the well known in addition to some of the lesser obvious ways to save on insurance.

  • Early Signing – A few companies offer discounts for buying a policy before your current policy expires. You can save around 10% with this discount.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Save with More Vehicles Insured – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • College Student Discount – Kids who are enrolled in higher education away from home and do not have a car may qualify for this discount.

Drivers should understand that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

Popular insurance companies and their offered discounts can be read below.

  • GEICO has savings for anti-lock brakes, air bags, anti-theft, multi-policy, and driver training.
  • Travelers offers premium reductions for save driver, hybrid/electric vehicle, student away at school, multi-policy, multi-car, early quote, and good student.
  • Nationwide offers discounts for anti-theft, Farm Bureau membership, good student, family plan, business or organization, accident-free, and defensive driving.
  • Farmers Insurance has discounts for homeowner, alternative fuel, distant student, electronic funds transfer, and youthful driver.
  • Esurance may have discounts that include anti-lock brakes, multi-policy, anti-theft, homeowner, safety device, paid-in-full, and good driver.
  • State Farm offers discounts including defensive driving training, Drive Safe & Save, good driver, student away at school, anti-theft, and multiple policy.
  • Progressive may offer discounts for continuous coverage, multi-vehicle, multi-policy, good student, online signing, homeowner, and online quote discount.
  • Mercury Insurance includes discounts for location of vehicle, low natural disaster claims, anti-theft, good driver, accident-free, and ease of repair.

If you need lower rates, check with every company the best way to save money. Some discounts listed above may not apply in your state.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help you determine whether you will benefit from professional help.

  • Are my friends covered when driving my 2010 Dodge Ram Pickup 1500?
  • Is my teenager covered with friends in the car?
  • What is the ISO rating for a 2010 Dodge Ram Pickup 1500?
  • Are all vehicle passengers covered by medical payments coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses like ambulance fees, rehabilitation expenses, X-ray expenses, surgery and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for 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 liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

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

Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, driving through your garage door, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability auto insurance

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

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like structural damage, medical services, loss of income, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, hitting a bird, vandalism and hitting a deer. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Stretch your dollar

Cost effective 2010 Dodge Ram Pickup 1500 insurance can be bought online and also from your neighborhood agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not provide internet price quotes and most of the time these regional carriers sell through local independent agents.

When searching for inexpensive insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage and discovered at claim time they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

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