View 2000 Dodge Ram Pickup 1500 Car Insurance Quotes

Finding cheap rates on auto insurance can be very difficult for drivers not familiar with quoting coverage prices online. Consumers have so many companies to choose from that it can quickly become a real difficult job to find the best rates.

Finding the best rates is quite easy. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. But car owners must learn the methods companies use to market insurance on the web and apply this information to your search.

How you can control Dodge Ram Pickup 1500 insurance premiums

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that go into determining insurance rates. If you know what controls the rates you pay, this allows you to make good choices that may reward you with cheaper rates.

The items below are some of the things used by companies to determine your prices.

• Cheaper insurance rates with safer cars – Vehicles with high crash test scores get lower rates. The safest vehicles reduce the chance of injuries and lower injury rates means lower claim amounts and lower rates for you.
• Your employer may affect premiums – Do you have a high-stress occupation? Careers like fire fightersair traffic controllers and emergency personnel generally pay the highest rates because of intense work requirements and long work days. On the other hand, careers such as farmers, athletes and the unemployed have lower than average premiums on Ram pickup coverage.
• Driving citations are costly – Having just one speeding ticket may cause rates to rise to the point where it’s not affordable. Careful drivers pay lower auto insurance prices than bad drivers. People who have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent their license from being revoked.
• Multi-policy discounts can save money – Some companies will give better rates to customers who have multiple policies with them in the form of a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you already get this discount, consumers should still compare other company rates to help ensure you have the lowest rates. You may still save even more even if you insure with multiple companies

Insurance policy discounts

Some insurance providers don’t always advertise every discount they offer in an easy-to-find place, so the next list breaks down some of the more common in addition to some of the lesser obvious credits that may apply to you.

• Accident Forgiveness – Not a discount per se, but a few companies such as Allstate and Geico allow you one accident before they charge you more for coverage if you have no claims prior to being involved in the accident.
• Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• Federal Government Employee – Federal government employees may reduce rates when you quote insurance on Ram pickup coverage with select insurance companies.
• Switch and Save Discount – A few companies give discounts for switching policies before your current policy expires. You can save around 10% with this discount.
• Discounts for Multiple Vehicles – Having all your vehicles with one company may reduce the rate for each vehicle.
• Defensive Driver Discount – Taking time to complete a course in safe driver may get you a small discount and make you a better driver.
• Good Student Discount – Excelling in school may save as much as 25% on a insurance quote. Many companies even apply the discount to college students up to age 25.
• Low Mileage – Driving less can qualify you for substantially lower prices.

Please keep in mind that most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, companies don’t profit that way.

Auto insurance companies that have most of these discounts are:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

Before buying, ask each company how you can save money. Some of the earlier mentioned discounts might not be available to policyholders in your state. To view insurance companies with discount rates, click here.

Save 15 percent in 15 minutes? Is it for real?

Insurance companies such as State Farm, Geico and Progressive consistently run ads in print and on television. All the companies try to convey promises about saving some big amount if you move your insurance coverage to their company. How do they all have lower policy pricing? Here is how they do it.

Many companies are able to cherry pick for the type of insured that will be a good risk. An example of a profitable insured might be described as over age 30, has a clear driving record, and the vehicle is rated for pleasure use. Any driver who fits those characteristics receives the best rates and most likely will save quite a bit of money when switching.

Insureds who cannot meet these criteria will probably have to pay a higher premium which results in the customer not buying. The ads say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can make the claims of big savings. This really drives home the point why you should compare many company’s car insurance rates. It’s impossible to know which insurance companies will have the lowest rate quotes.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions might point out if your situation will benefit from professional help.

• Are my friends covered when driving my 2000 Dodge Ram Pickup 1500?
• Am I covered if hit by an uninsured driver?
• When should my teen driver be added to my policy?
• What companies insure drivers after a DUI or DWI?
• What happens if I owe more than my 2000 Dodge Ram Pickup 1500 is worth?
• Am I covered if I break a side mirror?
• What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Educate yourself about car insurance coverages

Knowing the specifics of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability coverages

This will cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as repair costs for stationary objects, loss of income, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision insurance

Collision insurance pays for damage to your Ram Pickup 1500 resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, crashing into a ditch, rolling your car and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, falling objects, hitting a deer and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Dodge Ram Pickup 1500.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, dental work and hospital visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

Cheap 2000 Dodge Ram Pickup 1500 insurance is available online and from local insurance agents, so you need to shop insurance with both in order to have the best chance of saving money. There are still a few companies who may not have rate quotes online and usually these small, regional companies work with independent agents.

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage to discover at claim time that it was a big error on their part. The aim is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.

In this article, we covered many ways to save on 2000 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the biggest savings come from the least-expected company.

For more information, feel free to visit the articles below:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Who Has the Cheapest Auto Insurance Rates for a Dodge Ram in Corpus Christi? (CorpusChristiCoverage.com)
• Event Data Recorders FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)