How Much Does 1999 Dodge Ram Pickup 2500 Insurance Cost?

Trying to find the cheapest auto insurance rates? Buyers have a choice when searching for the best price on Dodge Ram Pickup 2500 insurance. They can either spend hours struggling with agents to compare prices or use the internet to find the lowest rates. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the best way to price shop coverage for your Dodge and find the lowest price.

It’s a good idea to price shop coverage once or twice a year due to the fact that insurance prices fluctuate regularly. Even if you got the best deal for Ram pickup insurance a few years ago a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because you’re about to learn the best way to get good coverage at a lower rate.

Get lower-cost rates by taking advantage of discounts

Some providers don’t always advertise all their discounts very clearly, so below is a list both the well known as well as some of the hidden ways to save on car insurance.

• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
• Anti-lock Brakes – Vehicles with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
• Full Payment Discount – If paying your policy premium upfront rather than paying in monthly installments you may have a lower total premium amount.
• Distant Student Discount – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.
• New Vehicle Savings – Putting car insurance coverage on a new car can save you some money since newer models have better safety ratings.
• Government Employees – Federal government employees could cut as much as 10% off for Ram pickup insurance depending on your car insurance provider.
• Safety Course Discount – Taking a course in safe driver may get you a small discount and make you a better driver.
• Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

Popular car insurance companies and a selection of discounts include:

• AAA may offer discounts for multi-policy, pay-in-full, anti-theft, AAA membership discount, education and occupation, and good driver.
• Progressive may include discounts for multi-vehicle, good student, continuous coverage, online quote discount, multi-policy, online signing, and homeowner.
• State Farm offers premium reductions for multiple policy, good student, defensive driving training, Steer Clear safe driver discount, safe vehicle, driver’s education, and multiple autos.
• Esurance offers discounts including anti-theft, good driver, renters, multi-policy, Switch & Save, and emergency road assistance.
• Nationwide includes discounts for multi-policy, good student, Farm Bureau membership, accident-free, defensive driving, business or organization, and family plan.

Check with all companies you are considering to apply every possible discount. Some discounts might not be available to policyholders in your area. To find providers with significant discounts, click here to view.

Insurance quotes comparison

Most companies such as 21st Century, Allstate and State Farm allow you to get prices from their websites. Getting online rates is quite easy as you just type in your coverage information into the form. When complete, their quoting system orders information on your driving record and credit history and returns a price based on the information you submitted.

Online quotes makes it a lot easier to compare rates but the time required to go to a lot of sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to get many rate quotes in order to get better prices.

A quicker way to find cheaper rates is to use a quote form that gets prices from a lot of companies. It saves time, reduces the work, and makes quoting online much simpler. After your information is entered, it gets priced and you are able to buy your choice of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process just takes a couple of minutes and can result in significant savings.

To save time and use this form to compare rates, click here and fill out the form. If you have your current policy handy, we recommend you complete the form with deductibles and limits identical to your current policy. Using the same limits helps guarantee you’re receiving a price comparison for the exact same coverage.

How much insurance do I need?

When buying the best insurance coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions may help you determine whether you would benefit from professional advice.

• Can I get a multi-policy discount?
• Is my state a no-fault state?
• Does my policy cover my teen driver if they drive my company car?
• Should I buy more coverage than the required minimum liability coverage?
• Is business property covered if stolen from my car?
• If my 1999 Dodge Ram Pickup 2500 is totaled, can I afford another vehicle?
• Do I really need UM/UIM coverage?
• What should my uninsured motorist coverage limits be in my state?
• Are my friends covered when driving my 1999 Dodge Ram Pickup 2500?
• When should my teen driver be added to my policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses like hospital visits, dental work, ambulance fees and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision insurance

Collision coverage will pay to fix damage to your Ram Pickup 2500 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Coverage for liability

This protects you from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical expenses, bail bonds, legal defense fees, structural damage and court costs. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, hitting a bird, fire damage, hail damage and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 2500.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Buy online or local, you save

More affordable car insurance can be found online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide online quoting and these smaller companies only sell coverage through independent insurance agents.

When searching for cheap insurance coverage quotes, never reduce coverage to reduce premium. In too many instances, an insured dropped physical damage coverage only to regret that it was a big error on their part. Your objective should be to purchase plenty of coverage at the best possible price.

In this article, we presented some good ideas how to compare 1999 Dodge Ram Pickup 2500 insurance prices online. It’s most important to understand that the more you quote insurance coverage, the better likelihood of getting the cheapest insurance coverage. Consumers may even find the lowest prices come from some of the lesser-known companies.

To learn more, feel free to browse these articles:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• How Much are Car Insurance Quotes for a Dodge Ram in Stockton? (QuoteStockton.com)
• What Auto Insurance is Cheapest for a Dodge Ram in Colorado Springs? (CSInsure.com)
• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)