1997 Dodge Ram Pickup 2500 Insurance Quotes – 10 Tricks for Best Rates

Locating cheaper insurance for a new or used Dodge Ram Pickup 2500 can turn out to be a painful process, but you can use a few tricks to make it easier.

There is a better way to shop for auto insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Dodge and locate the lowest price from local insurance agents and online providers.

Consumers should take time to check auto insurance prices before your next renewal because prices are variable and change quite frequently. Just because you had the lowest rates for Ram pickup coverage a year ago you will most likely find a better rate quote today. There is too much inaccurate information about auto insurance online but we’re going to give you some solid techniques on how to buy auto insurance cheaper.

Buying affordable coverage is not that difficult. If you have a current auto insurance policy or are just looking to switch companies, you can follow these tips to find better prices and still get good coverage. Consumers only need an understanding of the tricks to compare company rates over the internet.

How much does auto insurance cost?

Finding cheap auto insurance rates can be surprisingly simple. Consumers just need to spend a few minutes comparing rate quotes to find. It is quite easy and can be accomplished in several different ways.

• Experts agree that the best way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This style of form prevents you from having to do separate forms for every auto insurance company. In just a few minutes this one form will return price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
• A harder way to get comparison quotes requires a trip to the website for every company you want to comare to request a price quote. For instance, let’s assume you want to get rates from USAA, State Farm and American Family. You would need to spend time going to each site individually and repeatedly enter your information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.
• The most difficult method to shop rates is actually driving to and from local insurance agencies. The internet eliminates this option unless you have a complicated situation and need the personal advice of a local agency. Although, it is possible compare online quotes but have a local agent actually write the policy.

Which method you use is up to you, but ensure you are comparing equivalent coverage data for each comparison quote. If you are comparing different data it will be very difficult to truly determine the lowest rate.

Get lower rates by taking advantage of these ten discounts

Insurance coverage is expensive, but you may qualify for discounts that can help lower your rates. Certain discounts will be applied when you complete an application, but a few must be manually applied prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

• Discounts for Federal Employees – Active or former government employment can save as much as 8% for Ram pickup coverage with select insurance companies.
• No Charge for an Accident – This one isn’t a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will let one accident slide without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
• Discount for Home Ownership – Being a homeowner can help you save on insurance coverage because it is proof that your finances are in order.
• Military Deployment Discount – Having a family member in the military could qualify you for better insurance coverage rates.
• Early Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
• Claim-Free Discount – Insureds who avoid accidents and claims can save substantially when compared to accident-prone drivers.
• Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
• ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount because new vehicles keep occupants safer.
• Onboard Data Collection – Drivers who elect to allow driving data submission to monitor their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they have good driving habits.

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

A few popular companies and a selection of discounts can be read below.

• Progressive includes discounts for multi-policy, online quote discount, multi-vehicle, online signing, good student, and continuous coverage.
• The Hartford discounts include bundle, defensive driver, anti-theft, good student, driver training, and air bag.
• Mercury Insurance may have discounts that include accident-free, good student, good driver, type of vehicle, ease of repair, professional/association, and annual mileage.
• Geico has discounts for air bags, anti-lock brakes, anti-theft, seat belt use, defensive driver, and membership and employees.
• AAA has savings for multi-policy, AAA membership discount, good student, multi-car, and good driver.
• State Farm offers discounts including passive restraint, student away at school, multiple autos, accident-free, good student, Steer Clear safe driver discount, and good driver.

If you are trying to find cheaper car insurance quotes, ask all the companies how you can save money. Some discounts might not apply in your state. To see a list of insurers offering insurance coverage discounts, click here.

How much insurance do I need?

When buying coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

• Am I getting all the discounts available?
• Does my policy cover my teen driver if they drive my company car?
• Do I need PIP (personal injury protection) coverage in my state?
• When should I remove comp and collision on my 1997 Dodge Ram Pickup 2500?
• Am I covered when pulling a rental trailer?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my state a no-fault state?
• Do I need an umbrella policy?
• Who is covered when they drive my 1997 Dodge Ram Pickup 2500?
• Should I buy additional glass protection?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance policy specifics

Having a good grasp of your car insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for X-ray expenses, pain medications, hospital visits and rehabilitation expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, a tree branch falling on your vehicle, falling objects, hitting a bird and damage from getting keyed. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 1997 Dodge Ram Pickup 2500.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

This will cover injuries or damage you cause to a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might 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. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your Ram Pickup 2500 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Money doesn’t grow on trees

Discount 1997 Dodge Ram Pickup 2500 insurance can be purchased from both online companies as well as from independent agents, so get free car insurance quotes from both of them to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these smaller companies provide coverage only through independent agents.

We just covered many ideas to reduce 1997 Dodge Ram Pickup 2500 insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

Insureds change insurance companies for any number of reasons including not issuing a premium refund, poor customer service, delays in responding to claim requests or high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

Additional information can be read at these links:

• Credit Impacts Car Insurance Rates (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Coverage Information (Progressive Insurance)
• Senior Drivers (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)