Save on 1994 Dodge Ram Pickup 2500 Car Insurance Rates

Looking for the cheapest insurance rates for your Dodge Ram Pickup 2500? Are you tired of sacrificing other expenses to buy insurance? You’re in the same situation as many other consumers.

Insurance companies such as State Farm, Progressive and Geico all claim big savings with ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.

Compare free car insurance quotes

There are multiple methods to compare car insurance quotes, and some are easier and takes less work. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

Many of the larger companies take part in a program where insurance shoppers enter their policy data once, and each participating company provides a quote based on that information. This eliminates the need for quote forms to every company.

To find out what other companies charge click here to start a free quote.

The one disadvantage to doing it this way is that consumers can’t choose which insurance companies to receive prices from. So if you want to choose from a list of companies to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just try to use exactly the same deductibles and coverage limits for each comparison quote. If you are comparing different coverage information it will be nearly impossible to determine the lowest rate for your Dodge Ram Pickup 2500. Having just a slight variation in coverage limits could mean much higher rates. Keep in mind that comparing more rates from different companies will improve the odds of getting the best price. Some smaller insurers to not give quotes online, so it’s necessary to compare prices on coverage from those companies, too.

Get lower-cost rates with these auto insurance discounts

Some providers don’t always list every discount in a way that’s easy to find, so the next list breaks down a few of the more common as well as some of the hidden ways to save on auto insurance.

• Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently so companies will give you a small discount.
• Accident Forgiveness Coverage – but companies like Progressive and Allstate will let one accident slide before raising your premiums if your claims history is clear before the accident.
• Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can get savings of 25 to 30%.
• Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
• Membership in Organizations – Being a member of a civic or occupational organization is a simple method to lower premiums on your bill.
• Home Ownership Discount – Simply owning a home can save you money since home ownership is proof of financial responsibility.
• Defensive Driving Course – Taking a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
• Discounts for New Vehicles – Buying a new car instead of a used car can save up to 30% because new vehicles keep occupants safer.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

To choose auto insurance companies with significant discounts, click here to view.

Insurance coverage can get complicated

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Every situation is different so this has to be addressed. For instance, these questions may help you determine whether or not you might need an agent’s assistance.

• Do I need roadside assistance coverage?
• When can my company non-renew my policy?
• Is my babysitter covered when using my vehicle?
• Why am I be forced to buy a membership to get insurance from some companies?
• Should I have a commercial auto policy?
• Am I covered if I drive in a foreign country?
• Do I have coverage if my license is suspended?
• Do I need higher collision deductibles?
• Am I covered if my car is in a flood?
• What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to 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

Auto insurance coverages and their meanings

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses for things like ambulance fees, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – Liability insurance will cover damage that occurs to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, repair costs for stationary objects and attorney fees. 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.

Collision coverages – This covers damage to your Ram Pickup 2500 from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, hitting a parking meter, driving through your garage door, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

UM/UIM Coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 2500.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding and falling objects. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.