Compare 2002 Dodge Ram Pickup 1500 Insurance Cost

Looking for lower insurance coverage rates for your Dodge Ram Pickup 1500? Finding low-cost insurance for a Dodge Ram Pickup 1500 can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy. There are both good and bad ways to find insurance coverage online and we’ll show you the proper way to compare rates for your Dodge and obtain the lowest possible price either online or from local insurance agents.

You should take the time to compare premium rates every six months because insurance coverage prices change quite often. Despite the fact that you may have had the lowest quotes for Ram pickup coverage a year ago there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because we’re going to demonstrate how to quote online to get good coverage at a lower rate.

If you have insurance now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. Finding affordable coverage is not that difficult. Vehicle owners only need to know the most efficient way to get comparison quotes on the web.

Find discounts to get cheap car insurance quotes

Buying car insurance is not cheap, but you may be missing some discounts that can dramatically reduce your bill. Most are applied when you purchase, but a few must be inquired about prior to receiving the credit.

• Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% for Ram pickup coverage depending on your car insurance provider.
• One Accident Forgiven – Not really a discount, but companies like State Farm and Geico will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
• Anti-lock Brakes – Vehicles that have anti-lock braking systems can avoid accidents and will save you 10% or more.
• Clubs and Organizations – Being in a professional or civic organization may earn a discount on your bill.
• Driving Data Discount – Drivers that enable companies to analyze vehicle usage by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they are good drivers.
• Paperless Signup – A few car insurance companies may give you up to $50 for buying your policy on the internet.

Consumers should know that most discount credits are not given the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

If you would like to view providers offering car insurance discounts, click here.

Informed consumers save every year

Lots of factors are part of the calculation when pricing auto insurance. Some are pretty understandable like your driving record, but other factors are not quite as obvious such as your credit history or how financially stable you are.

• Avoid tickets and save – Getting just one driving citation can boost insurance rates to the point where it’s not affordable. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who have license-revoking tickets like DUI, reckless driving or excessive speeding may be required to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
• Auto insurance rates and age – Beginning drivers are statistically shown to be less responsible with other occupants in the car therefore auto insurance rates are much higher. More mature drivers tend to be more responsible, cause fewer claims and accidents and get fewer tickets.
• Rental and towing coverage may not be needed – Insurance companies have many extra coverages that may not really be needed on your Ram Pickup 1500 policy. Coverages like replacement cost coverage, towing, and Farm Bureau memberships may be costing you every month. These may sound like a good investment when deciding what coverages you need, but if you have no use for them eliminate them to save money.
• Rural vs Urban Areas – Residing in a rural area is a positive aspect when buying auto insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have to deal with more auto accidents and much longer commute distances. Higher commute times can result in more accidents.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether or not you will benefit from professional help.

• When should I drop full coverage on my 2002 Dodge Ram Pickup 1500?
• Will my insurance pay for OEM parts?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I have coverage when pulling a U-Haul trailer?
• Why am I required to buy high-risk coverage?
• How do I file an SR-22 for a DUI in my state?
• Is my ex-spouse still covered by my policy?
• At what point should I drop full coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance advertising gotchas

Drivers can’t get away from ads for the lowest price insurance from the likes of Progressive, Allstate and Geico. All the ads make the point that people will save if you get a free insurance coverage quote and switch your insurance coverage to their company.

It sounds good, but how can they all lower your rates? It’s all in how they say it.

Companies quote their best rates for the driver they prefer to insure. A good example of this type of risk profile could be a married male, has had continuous coverage, and drives a safe vehicle. Any person who fits that profile will most likely get cheap premium rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who fall short of these standards will see higher premiums which translates to the customer not buying. The ads say “people who switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can confidently state the savings. This really drives home the point why drivers should get as many free insurance coverage quotes as possible. It is impossible to predict which insurance company will provide you with the cheapest car insurance rates.

Auto insurance coverages and their meanings

Understanding the coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for X-ray expenses, EMT expenses, surgery and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, hitting a bird, damage from getting keyed, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as attorney fees, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

In Summary

As you quote insurance coverage, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced liability coverage limits to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford.

We covered some good ideas how you can compare 2002 Dodge Ram Pickup 1500 insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best prices are with an unexpected company.

People switch companies for any number of reasons including poor customer service, lack of trust in their agent, extreme rates for teen drivers and high prices. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Much more information about car insurance is available at the links below

• Preventing Carjacking and Theft (Insurance Information Insitute)
• What Insurance is Cheapest for a Dodge Ram in Toledo? (InsureToledo.com)
• Prom Night Tips for Teen Drivers (State Farm)
• Older Drivers FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)