Save on 1999 Dodge Ram Pickup 1500 Car Insurance Rates

Trying to find better auto insurance rates for your Dodge Ram Pickup 1500? Getting the lowest cost auto insurance might seem somewhat intimidating for vehicle owners not familiar with buying their auto insurance over the internet. With such a large number of agents and companies, how can you possibly compare every company to locate lower auto insurance premiums?

It’s smart to shop coverage around before your policy renews because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Ram pickup insurance a few years ago you may be paying too much now. There is lot of inaccurate information about auto insurance online, but you can learn the easiest ways to put money back in your pocket.

Are you receiving every discount?

Not too many consumers would say insurance coverage is affordable, but there could be significant discounts that you may not even be aware of. Some discounts apply automatically when you get a quote, but some must be manually applied before they will apply.

• Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
• Memberships – Having an affiliation with qualifying clubs or civic groups could trigger savings when getting a insurance quote.
• Save with More Vehicles Insured – Buying insurance for several vehicles with one company can reduce rates for all insured vehicles.
• Discounts for New Vehicles – Putting insurance on a new car can get you a discount because newer vehicles are generally safer.
• Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. It could save around 10% when you buy insurance online.
• No Claims – Drivers who stay claim-free have much lower rates compared to insureds who have frequent claims or accidents.
• Low Mileage – Driving less could be rewarded with discounted prices on garaged vehicles.
• Telematics Discount – Drivers who agree to allow companies to scrutinize where and when they drive remotely such as Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Auto insurance companies that have some of the discounts shown above may include but are not limited to:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

It’s a good idea to ask each company or agent how you can save money. All car insurance discounts may not be available in your area. To choose companies with discount insurance coverage rates, click here to view.

How much is insurance?

Performing a rate comparison can be a daunting task if you don’t understand the easiest way. You can waste a lot of time talking about coverages with insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

Most of the best insurance companies enroll in a system where prospective buyers enter their coverage request one time, and each company then gives them pricing based on that data. This eliminates the need for form submissions to every company.

To compare rates now click here (opens in new window).

One minor caviat to pricing coverage this way is buyers cannot specifically choose the providers you will receive quotes from. If you prefer to choose specific insurance companies for rate comparison, we have a listing of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, do your best to enter the exact same coverage data on every price quote you get. If you are comparing different liability limits it’s not possible to make a fair comparison for your Dodge Ram Pickup 1500. Having just a slight variation in limits can make a big difference in price. Keep in mind that quoting more helps you find a better price.

When in doubt talk to an agent

When it comes to choosing coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

• Is my custom paint covered by insurance?
• Why do I only qualify for high-risk insurance?
• If I drive on a suspended license am I covered?
• How much liability coverage do I need in my state?
• What is UM/UIM insurance?
• What companies insure drivers after a DUI or DWI?
• Should I have combined single limit or split liability limits?
• How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverage basics

Having a good grasp of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane, falling objects and fire damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

Liability coverage will cover damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, court costs and legal defense fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, dental work, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage will pay to fix damage to your Ram Pickup 1500 caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a building, rolling your car, colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 1500.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

A penny earned…

People change insurance companies for a variety of reasons including policy cancellation, unfair underwriting practices, extreme rates for teen drivers and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice physical damage coverage only to find out they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

You just learned many ways to lower your 1999 Dodge Ram Pickup 1500 insurance auto insurance rates. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest auto insurance rates are with an unexpected company.

Helpful resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)