2001 Dodge Ram Pickup 1500 Insurance Rates

Want the cheapest car insurance rates for your Dodge Ram Pickup 1500? Do you get exhausted from paying out the nose to insure your Dodge every month? You have the same problem as many other consumers. Popular companies such as Allstate and Progressive all claim big savings, bombarding you with catchy ads and it is difficult to see past the geckos and flying pigs and find the best price available.

Consumers need to check car insurance prices periodically since insurance prices are constantly changing. If you had the lowest quotes on Ram pickup coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because it’s time to teach you the right way to properly buy coverages and cut your premium.

How to lower your insurance coverage cost

Effectively comparing insurance coverage prices can take time and effort if you don’t understand the most efficient way. You could waste time driving to insurance agencies in your area, or you can stay home and use online quotes for quick rates.

The majority of car insurance companies participate in an industry program that allows shoppers to complete one form, and at least one company then gives them pricing based on that data. This eliminates the need for form submissions to each individual insurance coverage company.

To participate in this free quote system, click to open in new window.

The only drawback to doing it this way is you cannot specify which providers you want to price. If you would rather choose individual companies to compare, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, be certain you are entering apples-to-apples coverage limits on every quote you get. If you have differing limits it’s impossible to determine the best price for your Dodge Ram Pickup 1500.

These discounts can lower your auto insurance rates

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. A few discounts will automatically apply when you purchase, but less common discounts must be specially asked for before they will apply. If you don’t get every credit available, you’re paying more than you need to.

• Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts could see savings up to 30%.
• Multiple Cars – Drivers who insure several vehicles on one policy can get a discount for every vehicle.
• Senior Citizen Rates – Mature drivers can get a slight reduction on a auto insurance quote on Ram pickup coverage.
• Telematics Data Discounts – Insureds that choose to allow their auto insurance company to track where and when they drive by using a telematics device such as Progressive’s Snapshot may see discounts if they have good driving habits.
• Membership in Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your next auto insurance statement.
• Military Discounts – Having a deployed family member could mean lower auto insurance rates.

Keep in mind that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way.

Popular auto insurance companies and the discounts they provide are detailed below.

• Travelers policyholders can earn discounts including save driver, student away at school, multi-policy, hybrid/electric vehicle, and early quote.
• 21st Century discounts include automatic seat belts, air bags, 55 and older, anti-lock brakes, homeowners, and theft prevention.
• State Farm has savings for driver’s education, good student, passive restraint, student away at school, multiple autos, multiple policy, and accident-free.
• Geico may include discounts for membership and employees, anti-theft, seat belt use, multi-policy, and federal employee.
• SAFECO may offer discounts for homeowner, drive less, anti-lock brakes, safe driver, accident prevention training, teen safety rewards, and bundle discounts.
• AAA includes discounts for multi-car, education and occupation, anti-theft, multi-policy, good student, and AAA membership discount.

If you need lower rates, check with all companies you are considering which discounts they offer. Discounts might not apply in your area. If you would like to see a list of insurers that offer multiple discounts, click here to view.

Different people need different auto insurance coverages

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if you could use an agent’s help.

• Am I covered when pulling a rental trailer?
• Does my policy cover me when driving someone else’s vehicle?
• How much liability coverage do I need in my state?
• What can I do if my company denied a claim?
• Does my 2001 Dodge Ram Pickup 1500 need full coverage?
• Should I buy additional glass protection?
• What exactly is covered by my policy?
• Why is insurance for a teen driver so high?
• Do I need rental car coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Specific coverage details

Understanding the coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram Pickup 1500.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

Collision coverage pays for damage to your Ram Pickup 1500 from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, EMT expenses, prosthetic devices, funeral costs and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

This coverage covers 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 damage from getting keyed, damage from a tornado or hurricane and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

This can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. It does not 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 policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, emergency aid, funeral expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Pennies from heaven

You just learned a lot of information how to get a better price on 2001 Dodge Ram Pickup 1500 insurance. The most important thing to understand is the more you quote auto insurance, the better likelihood of getting low cost auto insurance. You may even find the lowest premium rates come from the smaller companies. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

When shopping online for auto insurance, don’t be tempted to skimp on coverage in order to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

More tips and info about auto insurance can be read at these sites:

• Safety Belts FAQ (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Event Data Recorders FAQ (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)