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.
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.
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.
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.
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.
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.
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.
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.
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:
Louann Walton
I think I’m paying too much. Went with Travelers for my Ram Pickup 1500 and cut my rates about $120 a year. Was with State Farm. Have a couple speeding tickets too. I’m thinking about dropping full coverage though.
Belen Shaffer
Live in Memphis, Tennessee. Got quotes from 21st Century, Erie, and Hanover for my 2001 Dodge Ram Pickup 1500 and saved $84 a year. Left Nationwide to switch. :) It’s too old for full coverage.
Doug Alvarez
If you have a clean record and live near Dallas, Texas, check out 21st Century. You might save some money. Moved home policy as well. It’s still not cheap enough.
Kathlene Hale
I can’t pay high rates. I’m in the north part of Evansville, Indiana. Quoted with Progressive, Auto-Owners, and some I forget for my 2001 Dodge Ram Pickup 1500 and saved $107 a year. Was with AIG Insurance. A clean driving record helps. I just quoted rates online. I’m thinking about dropping full coverage though.
Shirley Ryan
From Cleveland, OH. Don’t remember every company but I ended up saving about $10 each month. Switched homeowners coverage too. I got a quote from their website.
Christiane Andrews
Is GEICO or Allstate cheaper in Jersey City, New Jersey?
Julianna Gallegos
Does State Farm offer good discounts?
Basilia Nicholson
Will 21st Century do a SR22 in New Jersey?
Keva Velasquez
Lots of good stuff here. I’m in the south part of Des Moines, IA. Quoted quotes with Auto-Owners, Safeco, and a few others for my 2001 Dodge Ram Pickup 1500 and saved just over $120 a year. Left AIG Insurance to switch. :)
Leonor Conner
I got quite a few price quotes for a 2001 Dodge Ram Pickup 1500 in Greensboro, NC. Ended up at darn near $100 every six months with AAA. Was with GMAC. Moved home policy as well. I got a quote from their website. Book value doesn’t justify full coverage anymore.
Chanel Allison
Here’s what I found out. I’m in Las Cruces, New Mexico. Quoted with Allstate, Farmers, and GMAC for my 2001 Dodge Ram Pickup 1500 and I’m now saving $14 a month. Good savings if you bundle. I quoted rates online then called them.
Stan Roth
I live on the west side of Portland, OR. I quoted with AIG Insurance, Sentry, and a few others for my Dodge and am saving around $110 a year. Left Hartford to switch. I’m a pretty good driver though. Full coverage costs too much.
Kirby Cardenas
Is Allstate cheaper than Progressive in Bellevue, NE?
Shakira Holcomb
Where can I find cheaper car insurance in Reno, NV?
Noel Schmidt
Not sure if this is cheap. From south side of Rochester, MN. Quoted with State Farm, AIG Insurance, Eastwood, and The General for my 2001 Dodge Ram Pickup 1500 and I think I saved about $30 each month. Insured with Travelers before. Hopefully won’t need it. Just liability coverage since it’s getting old.
Sonny Peterson
Thought I’d throw in my experience. Got a quote with Mercury for my Dodge and cut my rates about $90 a year.
Felicitas Rodriguez
Does State Farm prorate premiums at cancellation?
Tracy Vincent
If you don’t have tickets and live in the vicinity of Cincinnati, OH, check out State Farm. You might get cheaper rates. They have free quotes online.
Irina Morgan
Good site, thanks. I live just to the north of New Orleans, LA. I don’t recall every quote but I ended up saving about $30 each month. Was with Erie. Got better coverage too. It’s still not cheap enough. I don’t insure for physical damage though.