Compare 2010 Dodge Ram Pickup 2500 Insurance Quotes

Looking for cheaper auto insurance rates for your Dodge Ram Pickup 2500? If you are a novice to online auto insurance shopping, most likely you are confused by the vast assortment of companies vying for business.

It’s a good idea to get comparison quotes as often as possible because rates change regularly. Despite the fact that you may have had the lowest premium rates on Ram pickup insurance a few years ago you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to show you the quickest way to lower your annual insurance bill.

How to get free insurance coverage quotes online

All major insurance coverage companies allow consumers to get coverage prices directly from their websites. Getting online quotes is fairly straightforward as you just enter your personal and coverage information on the page. After the form is submitted, their rating system will obtain reports for credit and driving violations and quotes a price based on the information you submitted.

Quoting online helps simplify price comparisons, but the time required to go to many different websites and type in your information can be a bit repetitive. But it’s also necessary to have as many quotes as possible in order to get the best price possible.

There is an easier way!

A more efficient way to compare rates utilizes a single form to obtain quotes from a lot of companies. It saves time, eliminates form submissions, and makes online quotes much easier to do. Once the form is submitted, it is quoted with multiple companies and you can pick any one of the quotes that you receive.

If you find a better price you simply finish the application and buy the policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To save time and find out if lower rates are available, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate the coverage information as shown on your current policy. This ensures you will receive comparison quotes based on identical coverages.

The ad said I’d save $492 a year!

Respected companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to make an identical promise that you can save if you change to them. But how can every company save you money? It’s all in how they say it.

Insurance providers are able to cherry pick for the type of customer that will most likely be profitable. A good example of a desirable risk might have to be married and over the age of 30, insures multiple vehicles, and drives newer vehicles. Anybody that meets those criteria will get very good prices and therefore will pay quite a bit less when switching companies.

Potential customers who are not a match for this ideal profile will probably be forced to pay higher premium rates which translates to the customer not purchasing. The ads say “customers that switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can confidently make those statements.

This illustrates why it’s extremely important to compare as many free auto insurance quotes as you can. It’s impossible to know which insurance companies will fit you best based on your risk profile.

Reduce insurance rates with these tips

Many things are used when quoting car insurance. Most are fairly basic such as your driving record, but some are not quite as obvious such as your credit history or how safe your car is.

  • Incidental coverages can cost a lot – Insurance companies have many extra add-on coverages that you can get tricked into buying on your car insurance policy. Add-on coverages like coverage for rental cars, towing coverage, and Farm Bureau memberships are some examples. They may seem good when discussing your needs, but if you have no use for them consider taking them off your policy.
  • Bad drivers pay high prices – Your driving citation history impacts your car insurance rates tremendously. Just one ticket may cause rates to rise forty percent or more. Attentive drivers get better rates as compared to those with violations. Drivers unfortunate enough to have severe violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to complete a SR-22 with their state DMV in order to legally drive a vehicle.
  • Use one insurance company and save – Most larger companies give better rates for people that buy multiple policies in the form of a multi-policy discount. This can amount to 10 percent or more. Even if you already get this discount, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible.
  • Where you live plays a part – Being located in small towns and rural areas has definite advantages if you are looking for the lowest rates. Urban drivers tend to have more auto accidents and more time behind the wheel. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims
  • Are you male or female? – The statistics show that females tend to be a little less risky than males. It does not mean women are BETTER drivers than men. Both sexes get in accidents at a similar rate, but males get into accidents with more damage. Not only that, but men also have more aggressive citations like DUI and reckless driving. Teenage male drivers have the highest risk to insure and therefore are the most expensive to insure.
  • Low credit rating equals high rates – Having a bad credit rating is a big factor in calculating your premium rate. If your credit is low, you could potentially save money when insuring your 2010 Dodge Ram Pickup 2500 by improving your credit score. Insureds that have very good credit scores tend to file fewer claims as compared to drivers with lower credit ratings.
  • Theft deterrents save – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
  • Liability limits should be high – The liability coverage on your policy will afford coverage when you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense starting from day one. Liability is cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Find hidden discounts on car insurance

Companies don’t list every disount available very clearly, so the list below details some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online. If you don’t get every credit you qualify for, it’s possible you qualify for a lower rate.

  • Multi-line Discount – If the company offers life insurance, you could get better premium rates if you take out life insurance.
  • Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 25 to 30%.
  • Paper-free Discount – Some car insurance companies give back up to $50 for buying your policy on your computer.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
  • Responsible Driver Discount – Insureds who avoid accidents may save up to 50% more on Ram pickup insurance than their less cautious counterparts.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Large car insurance companies and a summarized list of policyholder discounts are shown below.

  • State Farm has savings for driver’s education, multiple autos, multiple policy, anti-theft, and good student.
  • Farmers Insurance includes discounts for switch companies, electronic funds transfer, pay in full, early shopping, bundle discounts, good student, and distant student.
  • Progressive has discounts for multi-vehicle, multi-policy, continuous coverage, good student, and online signing.
  • GEICO offers discounts for anti-theft, five-year accident-free, multi-policy, driver training, federal employee, defensive driver, and seat belt use.
  • Auto-Owners Insurance may offer discounts for teen driver, air bags, anti-lock brakes, company car, safe driver, and paperless.
  • The Hartford may have discounts that include good student, air bag, driver training, anti-theft, and defensive driver.
  • Farm Bureau policyholders can earn discounts including driver training, youthful driver, multi-vehicle, safe driver, renewal discount, good student, and 55 and retired.
  • USAA offers premium reductions for defensive driver, military installation, good student, multi-policy, vehicle storage, family discount, and multi-vehicle.

Before buying, ask every insurance company to give you their best rates. Depending on the company, some discounts might not be offered on policies in your area. To see a list of insurers who offer cheap car insurance quotes, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there really is no perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight whether you would benefit from professional advice.

  • What is the ISO rating for a 2010 Dodge Ram Pickup 2500?
  • When should I drop full coverage on my 2010 Dodge Ram Pickup 2500?
  • What vehicles should carry emergency assistance coverage?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when using my vehicle for business?
  • Why am I required to buy liability insurance?
  • I have health insurance so do I need medical payments coverage?
  • Should I put collision coverage on all my vehicles?
  • Do I need rental car coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.

Car insurance 101

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like EMT expenses, dental work, chiropractic care and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others. It does not 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. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as loss of income, medical expenses, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your Ram Pickup 2500 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, a tree branch falling on your vehicle and theft. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Quote more, save more

When shopping online for car insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, high prices, high rates after DUI convictions and even not issuing a premium refund. No matter why you want to switch, finding a new company is not as difficult as it may seem.

You just read some good ideas how to reduce 2010 Dodge Ram Pickup 2500 insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the best prices are with the smaller companies.

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