2004 Dodge Ram Pickup 1500 Insurance Quotes – 10 Tricks for Cheaper Rates

Want the cheapest auto insurance rates for your Dodge Ram Pickup 1500? Are you tired of paying out the nose to make your auto insurance payment? You are in the same boat as the majority of other consumers.

Since you have so many companies and agents to choose from, it can be impossible to find the most affordable insurance company.

Affordable auto insurance price quotes

The majority of larger companies give coverage price quotes on the web. The process is very simple as you simply enter the coverages you want into the form. When the form is submitted, the system automatically retrieves your driving record and credit report and returns a price based on many factors. This makes it easy to compare insurance prices but the process of having to visit several different sites and complete many quote forms is monotonous and tiresome. But it’s also necessary to get many rate quotes if you are searching for better prices.

There is a better way!

A quicker way to compare rates uses one form to return rates from more than one company. The form is fast, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it is quoted with multiple companies and you can pick any one of the quote results.

If you find a better price you simply finish the application and buy the new coverage. The whole process only takes a few minutes and you will find out if you’re overpaying now.

In order to find out how much you can save on auto insurance, click here and fill out the form. If you have a policy now, it’s recommended you complete the form with the limits and deductibles identical to your current policy. Doing this guarantees you will have rate comparison quotes based on similar coverages.

Affordable auto insurance rates with discounts

Some companies don’t necessarily list the entire discount list very well, so here is a list some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance online.

• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it can save substantially.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save a little off the medical payments premium.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts up to 30%.
• Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Multi-line Discount – Not all auto insurance companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.
• Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of at least 10% off all policies.
• Professional Organizations – Being in a qualifying organization could qualify you for a break when shopping for auto insurance.
• Homeowners Savings – Owning a home can save you money because it means you have a higher level of financial diligence.
• Mature Driver Discount – Drivers that qualify as senior citizens could receive a small decrease in premiums for Ram pickup insurance.

Consumers should know that some credits don’t apply the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, nobody gets a free ride.

Some companies that may offer policyholders many of the previously listed discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

If you want cheaper insurance quotes, ask each insurance company how you can save money. Some credits may not be offered in your area. If you would like to view companies that offer the discounts shown above, follow this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from professional advice.

• Should I waive the damage coverage when renting a car?
• What discounts do I qualify for?
• How much liability do I need to cover my assets?
• What is roadside assistance coverage?
• Am I covered when driving in Canada or Mexico?
• Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance policy coverages for a Dodge Ram Pickup 1500

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 1500.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision insurance covers damage to your Ram Pickup 1500 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, damaging your car on a curb, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like ambulance fees, doctor visits, nursing services, pain medications and hospital visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical 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.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, vandalism, theft, falling objects and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

One last thing

When getting insurance quotes online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced liability coverage limits to discover at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at the best possible price but still have enough coverage for asset protection.

We just covered quite a bit of information on how to shop for 2004 Dodge Ram Pickup 1500 insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates are with a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Helpful learning opportunities

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)