2002 Dodge Ram Pickup 2500 Insurance Cost – 9 Tips for Cheapest Prices

Trying to find cheaper insurance coverage rates for your Dodge Ram Pickup 2500? No car owner anticipates paying for insurance coverage, particularly when the cost is too high. Numerous car insurance companies battle to insure your vehicles, so it’s not easy to compare every provider and uncover the absolute best rate

It’s smart to quote other rates on a regular basis because insurance rates go up and down regularly. Even if you think you had the best deal for Ram pickup insurance last year there is a good chance you can find better prices now. There are a lot of ways to save on insurance coverage online but I’m going to show you the easiest ways to put money back in your pocket.

If you have a current insurance policy or need a new policy, you can use this information to cut your premiums and still get good coverage. Finding affordable coverage is not that difficult. Consumers just need to know how to get comparison quotes over the internet.

Affordable insurance coverage quotes

Finding a lower price on 2002 Dodge Ram Pickup 2500 insurance is an easy way to save money. Just take a few minutes to compare free car insurance quotes to find out which insurance company has affordable car insurance quotes. It’s really simple and can be done by using one of the methods below.

1. If you don’t have a lot of time, the easiest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing repetitive form submissions for every insurance coverage company. Taking the time to complete one form compares rates from multiple companies.
2. A slightly less efficient method to obtain and compare quotes online is to manually visit each company’s website and complete a new quote form. For instance, let’s assume you want to compare State Farm, 21st Century and American Family. To do that, you would have to go to each individual site to input your insurance information, which can get old fast.

   For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make sure you use apples-to-apples coverage information for each comparison quote. If you are comparing different deductibles you can’t possibly determine which rate is truly the best.

Car insurance discounts help lower rates

Some providers don’t always list all possible discounts in an easy-to-find place, so the below list has some of the more common and the harder-to-find ways to save on car insurance. If you do not check that you are getting every discount available, you are paying more than you should be.

• Discount for Home Ownership – Just being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy life insurance.
• Good Driver Discount – Accident-free drivers can save as much as half off their rates for Ram pickup insurance as compared to drivers with claims.
• E-sign Discounts
• Onboard Data Collection – People who choose to allow driving data collection to look at their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
• ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
• Professional Organizations – Being a member of qualifying clubs or civic groups could qualify you for a break when shopping for car insurance.
• Multiple Vehicles – Insuring multiple cars or trucks with one company could earn a price break for each car.
• Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you could save approximately 10% to 15%.

One last thing about discounts, most discounts do not apply the the whole policy. Most only reduce individual premiums such as comp or med pay. Despite the appearance that you could get a free car insurance policy, you won’t be that lucky. But any discount will help reduce the amount you pay for coverage.

Popular car insurance companies and their possible discounts can be read below.

• State Farm may have discounts that include multiple autos, safe vehicle, passive restraint, student away at school, Steer Clear safe driver discount, and accident-free.
• Geico offers discounts including daytime running lights, good student, federal employee, air bags, defensive driver, anti-theft, and five-year accident-free.
• Liberty Mutual includes discounts for safety features, newly retired, new graduate, preferred payment discount, exclusive group savings, new vehicle discount, and good student.
• The Hartford discounts include good student, bundle, defensive driver, air bag, and anti-theft.
• MetLife offers premium reductions for multi-policy, defensive driver, good driver, good student, accident-free, and claim-free.
• Progressive has savings for online signing, continuous coverage, good student, multi-policy, online quote discount, and homeowner.

When getting a coverage quote, ask each company or agent which discounts they offer. Some discounts listed above might not be offered on policies in your area. To see companies who offer discounts, follow this link.

Which is the best insurance coverage?

When buying adequate coverage, there really is not a single plan that fits everyone. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine whether you would benefit from an agent’s advice.

• Is my custom paint covered by insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• Am I covered if I hit a deer?
• Is other people’s property covered if stolen from my vehicle?
• Are my tools covered if they get stolen from my vehicle?
• Is my 2002 Dodge Ram Pickup 2500 covered for smoke damage?
• How can I find cheaper teen driver insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your 2002 Dodge Ram Pickup 2500.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision insurance covers damage to your Ram Pickup 2500 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses for doctor visits, surgery and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things like funeral expenses, attorney fees, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Find Good Coverage for Less

When getting car insurance quotes online, it’s a bad idea to reduce coverage to reduce premium. In many cases, drivers have reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Affordable 2002 Dodge Ram Pickup 2500 insurance is available from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide online rate quotes and usually these smaller providers work with independent agents.

We’ve covered many ways to shop for 2002 Dodge Ram Pickup 2500 insurance online. It’s most important to understand that the more companies you get prices for, the higher your chance of finding affordable car insurance. Consumers may even find the lowest premium rates come from some of the lesser-known companies. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

Additional detailed information is located by following these links:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Your Car has been Stolen: Now What? (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)