How Much Does 1998 Dodge Ram Pickup 2500 Insurance Cost?

Trying to find cheaper insurance rates for your Dodge Ram Pickup 2500? Drivers who are new to the process of comparison shopping online could find buying inexpensive car insurance is very challenging.

Discounts for cheaper insurance quotes

Car insurance is not cheap, but there may be some discounts that you may not even know about. Certain discounts will be triggered automatically when you complete an application, but some discounts are required to be manually applied before you get the savings. If you do not check that you are getting every discount available, you are throwing money away.

• Military Discounts – Having an actively deployed family member could trigger a small discount.
• New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper because newer vehicles are generally safer.
• Air Bags and Passive Restraints – Vehicles equipped with air bags can receive discounts of 20% or more.
• Defensive Driver Discounts – Taking a driver safety course can save you 5% or more if your company offers it.
• Paperwork-free – Certain insurance companies will give a small break just for signing your application online.
• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
• Good Students Pay Less – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Multiple Vehicles – Insuring primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
• Seat Belts Save – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
• Federal Government Employee – Federal government employees can earn a discount up to 10% on Ram pickup coverage depending on your insurance provider.

Consumers should know that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

Larger insurance companies and some of the premium reductions they offer are outlined below.

• Farm Bureau includes discounts for driver training, safe driver, youthful driver, renewal discount, multi-vehicle, and 55 and retired.
• MetLife may offer discounts for good driver, good student, accident-free, claim-free, defensive driver, and multi-policy.
• Progressive may have discounts that include continuous coverage, multi-vehicle, good student, homeowner, online signing, online quote discount, and multi-policy.
• AAA offers discounts including anti-theft, good student, multi-car, good driver, AAA membership discount, multi-policy, and pay-in-full.
• American Family has discounts for good student, multi-vehicle, early bird, defensive driver, mySafetyValet, and accident-free.
• Geico policyholders can earn discounts including multi-policy, driver training, emergency military deployment, anti-lock brakes, five-year accident-free, membership and employees, and good student.
• State Farm may include discounts for accident-free, defensive driving training, student away at school, good driver, passive restraint, Steer Clear safe driver discount, and anti-theft.

Double check with each company the best way to save money. Some discounts listed above may not be available in your area. To see insurance companies with significant discounts, click here to view.

Buy insurance online

Many insurance companies such as State Farm and Allstate give pricing on their websites. Getting online quotes is fairly straightforward as you simply enter the amount of coverage you want into a form. After you complete the form, the quote system collects credit information and your driving record and returns pricing information based on many factors.

Online price quotes makes comparing rates easy, but the time required to go to each company’s website and repetitively type in the same data gets old quite quickly. But it’s also necessary to have as many quotes as possible if you want to get the lowest possible prices on insurance.

The easiest way to find cheaper rates uses one simple form that obtains quotes from many companies. The form is fast, eliminates form submissions, and makes comparison shopping much more efficient. Once the form is submitted, it is quoted and you can select any one of the quotes that you receive.

If you find a better price you can click and sign and purchase coverage. It just takes a couple of minutes and could lower your rates considerably.

To compare rates now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you replicate the coverages identical to your current policy. Using the same limits helps guarantee you will have a price comparison for the exact same coverage.

Lower your insurance rates

Lots of things are considered when pricing auto insurance. Some are obvious such as your driving record, but some are less apparent such as your credit history or how safe your car is.

Listed below are some of the things insurance coverage companies consider when setting your rates.

• Credit history impacts premium prices – Having a good credit rating factor in your rate calculation. Therefore, if your credit rating can be improved, you could pay less to insure your 1998 Dodge Ram Pickup 2500 by spending a little time repairing your credit. Insureds with excellent credit tend to be better drivers and file fewer claims than those with lower credit ratings.
• Rates can drop if you have more than one policy – Some insurance companies apply better rates to policyholders that have more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to compare other company rates to make sure you are getting the best deal.
• What’s your car’s NHTSA crash test rating? – Safer cars can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and fewer serious injuries means your insurance company pays less and more competitive rates for policyholders. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
• Poor driving habits means higher prices – Your driving record can have a huge impact on auto insurance premiums. Good drivers pay less for auto insurance as compared to careless drivers. Having a single speeding ticket or other violation can increase rates forty percent or more. Drivers who get careless citations such as DUI or willful reckless driving may find they need to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.

You may need specialized insurance coverage

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your insurance needs might need professional guidance.

• When should I drop full coverage on my 1998 Dodge Ram Pickup 2500?
• Should I get collision insurance on every vehicle?
• Am I missing any policy discounts?
• Should I file a claim if it’s only slightly more than my deductible?
• Can I afford to pay high deductible claims out of pocket?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I have any recourse if my insurance company denies a claim?
• Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Specifics of your insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage pays for damage to your Ram Pickup 2500 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, damage from getting keyed and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses for things like surgery, pain medications and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles, structural damage and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, 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 are set the same as your liablity limits.

One last thing about your coverage

Cost effective 1998 Dodge Ram Pickup 2500 insurance can be found on the web as well as from independent agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer rate quotes online and many times these regional insurance providers sell through independent agents.

When shopping online for auto insurance, it’s not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

You just learned some good ideas how to save on 1998 Dodge Ram Pickup 2500 insurance. The most important thing to understand is the more times you quote, the higher your chance of finding cheaper car insurance. You may even find the best prices are with a lesser-known regional company.

Additional auto insurance information can be read at these links:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Who Has Affordable Car Insurance Quotes for a Dodge Ram in Oakland? (OaklandInsure.com)
• Distracted Driving Extends Beyond Texting (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)