Cheaper 1997 Dodge Ram Pickup 1500 Insurance Rates

Finding cheaper car insurance can be slightly frustrating for drivers who are beginners to online insurance quotes. With such a large number of agents and insurance companies available, it can be a difficult mission to find a more affordable company.

The purpose of this post is to instruct you on how to get online quotes and some money-saving tips. If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. But drivers must know the way insurance companies sell insurance online and take advantage of how the system works.

Find hidden discounts to get affordable car insurance rates

Some insurers don’t necessarily list every possible discount in an easy-to-find place, so we researched both well-publicized and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

• Claim Free – Insureds with no claims or accidents get the best car insurance rates in comparison with frequent claim filers.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and will qualify for a discount on a car insurance quote.
• ABS Brakes – Cars with ABS and/or traction control prevent accidents so you can save 10 percent or more.
• Own a Home and Save – Simply owning a home can earn you a little savings since owning and maintaining a home requires personal responsibility.
• Senior Citizen Discount – Older drivers could receive lower premium rates for Ram pickup coverage.
• Accident Waiver – but certain companies may permit one accident without the usual rate increase if you are claim-free prior to being involved in the accident.
• Discount for Life Insurance – Select insurance carriers reward you with lower prices if you buy auto and life insurance together.
• New Vehicle Savings – Buying car insurance coverage on a new vehicle can save you some money because newer vehicles have to meet stringent safety requirements.
• Student Discount for Driver Training – Teen drivers should complete a driver education course if it’s offered in school.

Just know that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, companies don’t profit that way.

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

• Geico offers discounts for multi-policy, anti-lock brakes, air bags, military active duty, good student, federal employee, and anti-theft.
• SAFECO includes discounts for drive less, homeowner, safe driver, accident prevention training, anti-lock brakes, and multi-car.
• State Farm offers premium reductions for defensive driving training, student away at school, safe vehicle, Drive Safe & Save, multiple policy, good driver, and good student.
• MetLife has discounts for multi-policy, good student, claim-free, accident-free, good driver, defensive driver
• 21st Century may have discounts that include automatic seat belts, good student, early bird, student driver, teen driver, and theft prevention.
• Progressive discounts include homeowner, good student, online quote discount, continuous coverage, and multi-policy.

Before buying, ask each insurance company to apply every possible discount. Discounts may not apply in your area.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions could help you determine whether you may require specific advice.

• Do I need roadside assistance coverage?
• If my pet gets injured in an accident are they covered?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my trailer covered?
• Is my ex-spouse still covered by my policy?
• Should I carry comprehensive and collision coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my car insurance cover rental cars?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses such as prosthetic devices, funeral costs and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision coverage

Collision coverage will pay to fix damage to your Ram Pickup 1500 from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, rolling your car, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, repair costs for stationary objects, loss of income, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 1500.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, rock chips in glass, a broken windshield, hail damage and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

More quotes mean more savings

When you buy car insurance online, don’t be tempted to buy poor coverage just to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Cheap 1997 Dodge Ram Pickup 1500 insurance is possible on the web and from local insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies may not provide rate quotes online and many times these small, regional companies only sell through independent agents.

We just covered quite a bit of information on how to lower your 1997 Dodge Ram Pickup 1500 insurance rates. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from an unexpected company.

Additional car insurance information is available below:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Who Has Affordable Car Insurance Quotes for a Dodge Ram in Boston? (BostonAutoGuard.com)
• Parking Tips to Reduce Door Dings (State Farm)
• Safety Belts FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)
• Teen Driving and Texting (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)