Cheaper 2003 Dodge Ram Pickup 1500 Insurance Quotes

Trying to find the cheapest car insurance rates for your Dodge Ram Pickup 1500? Are you tired of not being able to afford to keep your car insured? You are in the same boat as many other vehicle owners.

Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company and get the best coverage at the lowest cost out there.

It is always a good idea to compare premium rates quite often because prices go up and down regularly. Even if you think you had the best deal on Ram pickup coverage two years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out the only way to find better coverage at a better price.

Drivers can save with these money-saving discounts

Insurance can be pricey, but you may qualify for discounts that could help you make your next renewal payment. Certain discounts will be applied when you quote, but a few must be asked about prior to receiving the credit. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

• Paperwork-free – A handful of larger companies will provide an incentive for buying your policy on the internet.
• Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Ram pickup coverage than drivers with accidents.
• Active Military Service – Being deployed in the military could mean lower premium rates.
• Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote as compared to frequent claim filers.
• Mature Driver Discount – Seniors can get better insurance rates on Ram pickup coverage.
• New Vehicle Savings – Putting coverage on a new car can save you some money since new vehicles are generally safer.
• Defensive Driving Course – Taking a defensive driving class may get you a small discount and easily recoup the cost of the course.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Membership in Organizations – Having an affiliation with certain professional organizations may earn a discount on insurance.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A list of insurance companies and a selection of discounts are included below.

• State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, good student, driver’s education, and safe vehicle.
• American Family may offer discounts for air bags, early bird, good driver, multi-vehicle, bundled insurance, and Steer into Savings.
• Geico may have discounts that include defensive driver, good student, air bags, multi-policy, and anti-lock brakes.
• 21st Century discounts include good student, anti-lock brakes, 55 and older, automatic seat belts, and student driver.
• Progressive may include discounts for online quote discount, online signing, continuous coverage, multi-policy, good student, homeowner, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts you qualify for. Savings may not be offered in your area. To view insurance companies that can offer you the previously mentioned discounts, click here to view.

How to compare free auto insurance quotes

Comparing auto insurance rates is a ton of work if you aren’t aware of the most efficient way. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could use online quotes to get prices fast.

Many insurance companies participate in a marketplace that enables customers to complete one form, and each participating company then returns a price quote for coverage. This saves time by eliminating quote requests for each company you want a rate for.

To use this form to compare rates click here to open in new window.

One minor caviat to doing it this way is you can’t choose which carriers you want to price. If you wish to select from a list of companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, ensure you’re using the same coverage data for each comparison quote. If you use different values for each quote it will be nearly impossible to determine the lowest rate for your Dodge Ram Pickup 1500. Just slight variations in coverage limits could skew the results. And when quoting auto insurance, remember that comparing all the rates in your area will increase your chances of finding the best price.

The Dodge Ram Pickup 1500 insurance price equation

Many different elements are used when pricing auto insurance. Some factors are common sense such as your driving history, although others are more transparent such as whether you are married or your financial responsibility.

• Stay claim-free and lower prices – If you file claims often, you can expect either policy cancellation or increased premiums. Companies give better rates to drivers who are claim-free. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Never let your policy expire – Allowing your coverage to lapse is a guaranteed way to increase your insurance rates. In addition to paying higher premiums, not being able to provide proof of insurance may result in a license revocation or jail time. You will then be forced to file a SR-22 with your state motor vehicle department.
• Pay more of a claim out-of-pocket – Physical damage coverage, also called comprehensive and collision insurance, covers damage that occurs to your Dodge. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and burglary. Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. The larger the amount you choose to pay out-of-pocket, the lower your rates will be on Ram pickup coverage.
• Marriage discount – Having a significant other helps lower the price on your insurance bill. Having a significant other translates into being more stable financially it has been statistically shown that married drivers tend to file fewer claims.
• Use one insurance company and save – Lots of companies will award a discount to people who carry more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount you may still want to check prices from other companies to confirm you are receiving the best rates possible.
• Your location is a factor – Residing in less populated areas is a positive aspect when buying insurance. Lower population corresponds to lower accident rates and a lower car theft rate. Drivers in populated areas have to deal with more aggressive driving styles and higher rates of accident claims. Longer commute distances statistically corresponds to a higher accident and claim rate.
• Do you know you’re credit history? – Your credit score can be an important factor in determining premium rates. So if your credit history is low, you could potentially save money when insuring your 2003 Dodge Ram Pickup 1500 by repairing your credit. Drivers with excellent credit scores tend to file fewer claims than drivers who have poor credit scores.
• Premiums drop with age – Youthful drivers have been known to be more careless when driving and because of this, their insurance rates are much higher. More mature drivers are more responsible, tend to file fewer claims , and usually have better credit.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can help discover if you might need an agent’s assistance.

• Is my state a no-fault state?
• Do I need PIP coverage since I have good health insurance?
• Do I have any recourse if my insurance company denies a claim?
• If my 2003 Dodge Ram Pickup 1500 is totaled, can I afford another vehicle?
• Does my car insurance cover rental cars?
• Do I have newly-aquired coverage?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Specifics of your insurance policy

Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for prosthetic devices, rehabilitation expenses, X-ray expenses, nursing services and dental work. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision insurance

Collision insurance covers damage to your Ram Pickup 1500 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like structural damage, attorney fees, bail bonds and emergency aid. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 1500.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, fire damage, vandalism, damage from getting keyed and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Pennies from heaven

We’ve covered a lot of techniques to get a better price on 2003 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more providers you compare, the better likelihood of getting inexpensive auto insurance. You may even find the lowest auto insurance rates come from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

When getting auto insurance quotes online, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost.

For more information, take a look at the following helpful articles:

• Side Impact Crash Tests (iihs.org)
• What Auto Insurance is Cheapest for a Dodge Ram in Lexington? (InsureLexington.com)
• State Car Insurance Guides (Geico)
• Choosing a Car for Your Teen (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Teen Driver Licensing Information (iihs.org)