Vehicles > Dodge > Ram Pickup 1500
Drivers have lots of options when shopping for car insurance for your Dodge vehicle. You can buy from an insurance agent or go online to compare insurance costs of many different companies. Finding cheaper auto insurance from online companies can be fast and easy, plus you may find lower rates.
If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online companies selling insurance. Lowering your Ram Pickup 1500 insurance rates is actually quite simple. You just need to take a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.
Insurance premiums paid to insure a Dodge Ram Pickup 1500 can be significantly different depending on several factors. Including but not limited to:
One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older Dodge models so the cost to replace them may end up costing you more. But newer models have more advanced features including active head restraints, adaptive headlights, a backup camera, and tire pressure monitors that may help help offset higher rates.
To get more specific information about how much rates will be for your vehicle, select the year of your Ram Pickup 1500 from the list below.
Liability coverage
This coverage protects you from damage or injury you incur to a person or their property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as large an amount as possible.
Collision insurance
This pays for damage to your Dodge from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Comprehensive coverage
This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Medical payments coverage and PIP
Med pay and PIP coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.
How Much are Dodge Ram Pickup 1500 Insurance Rates?