2003 Dodge Ram Pickup 2500 Car Insurance Rates – 10 Policy Discounts

Trying to find cheaper car insurance rates? Buyers have a choice when searching for low-cost Dodge Ram Pickup 2500 insurance. They can either spend hours calling around to get rate comparisons or use the internet to make rate comparisons.

There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the proper way to quote coverages for a new or used Dodge and find the lowest price.

You need to price shop coverage as often as possible due to the fact that insurance prices change frequently. Despite the fact that you may have had the best rates on Ram pickup coverage six months ago you can probably find a better rate quote now. There is lot of inaccurate information about car insurance on the internet, but by reading this article, you’re going to learn some good information on how to reduce your car insurance bill.

If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. This information will help educate you on how car insurance quotes work and some money-saving tips. Drivers just need to understand the proper way to compare rates on the web.

Compare free car insurance rate quotes

Getting a low cost price on 2003 Dodge Ram Pickup 2500 insurance is a great way to save money. Drivers just need to take time comparing rate quotes online from several insurance companies. Price comparisons can be done in a couple of different ways.

The most efficient method to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This style of form saves time by eliminating multiple quote forms for every company. One simple form gets you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.

A more difficult way to analyze rates is going to each company’s website to request a price quote. For example, we’ll assume you want to get rates from Liberty Mutual, Safeco and Farmers. To find out each rate you need to navigate to each company’s site and repeatedly enter your information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

Whichever method you choose, make sure you use the exact same coverage limits with each company. If you compare differing limits you can’t possibly determine which rate is truly the best.

Do insurance coverage companies bend the truth?

Consumers can’t get away from all the ads for cheaper insurance coverage from the likes of 21st Century, Allstate and State Farm. They all seem to make an identical promise about how much you will save just by switching your policy.

How does each company offer drivers better rates? Here is how they do it.

Most companies are able to cherry pick for a prospective insured that will most likely be profitable. One example of a desirable insured might be described as between the ages of 30 and 45, is a homeowner, and has a short commute. A customer that hits that “sweet spot” will probably get the lowest premium rates and is almost guaranteed to save if they switch.

Insureds who cannot meet the “perfect” profile will be charged a higher rate with the end result being the prospect going elsewhere. The wording the ads use say “people that switch” not “everyone who quotes” save that much money. That’s the way companies can truthfully make those claims.

Different companies use different criteria so it is so important to quote coverage with many companies. You cannot predict which insurance coverage company will have the lowest rate quotes.

Get lower rates by taking advantage of these ten discounts

Car insurance companies don’t always publicize all their discounts very clearly, so the list below contains some of the best known and also the more inconspicuous credits that you can use to lower your rates. If you’re not getting every credit available, you are throwing money away.

• Pay Upfront and Save – By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.
• Claim Free – Drivers who don’t have accidents can save substantially as opposed to frequent claim filers.
• 55 and Retired – Older drivers can possibly qualify for a slight reduction on a car insurance quote on Ram pickup coverage.
• Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may save as much as 10 to 15 percent.
• Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save 10% or more on medical payment and PIP coverage.
• First Accident Forgiveness – Not necessarily a discount, but certain companies permit an accident before raising your premiums if you are claim-free prior to the accident.
• Multi-Vehicle Discounts – Having all your vehicles on one policy can get a discount for every vehicle.
• Active Military Service – Being deployed in the military may lower your prices slightly.
• Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Clubs and Organizations – Being in a civic or occupational organization is a good way to get lower rates when getting a car insurance quote.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

Some companies that have these money-saving discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

If you want cheaper car insurance quotes, ask each company or agent the best way to save money. Some discounts listed above may not apply to policies everywhere. To find car insurance companies offering car insurance discounts, click here to view.

How much insurance coverage do I need?

When it comes to buying coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

• Does coverage extend to my business vehicle?
• Am I covered by my spouse’s policy after a separation?
• At what point should I drop full coverage?
• Are rental cars covered under my policy?
• Am I better off with higher deductibles on my 2003 Dodge Ram Pickup 2500?
• How can I find cheaper teen driver insurance?
• Can I afford to buy a different vehicle if my 2003 Dodge Ram Pickup 2500 is totaled?
• Do I really need UM/UIM coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance policy coverages for a 2003 Dodge Ram Pickup 2500

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2003 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. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision – Collision insurance covers damage to your Ram Pickup 2500 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with a tree, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverage – This provides protection from damage that occurs to a person or their property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like loss of income, attorney fees, pain and suffering, bail bonds and court costs. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like EMT expenses, nursing services, pain medications, rehabilitation expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed, hail damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Do the work, save more money

You just learned many tips how you can shop for 2003 Dodge Ram Pickup 2500 insurance online. The key concept to understand is the more you quote car insurance, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with an unexpected company.

Some companies do not provide the ability to get a quote online small, regional companies sell through independent agents. Budget-conscious 2003 Dodge Ram Pickup 2500 insurance can be found on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage for the lowest cost, but do not skimp to save money.

Additional car insurance information can be read at the links below

• Auto Insurance 101 (About.com)
• Who Has the Cheapest Auto Insurance Rates for a Dodge Ram in Louisville? (LouisvilleInsure.com)
• Side Impact Crash Tests (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)