Are you burned out from scraping nickels together to pay your insurance bill each month? You are no different than millions of other vehicle owners. Vehicle owners have many car insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to compare rates.
Getting low cost 2004 Dodge Ram Pickup 2500 auto insurance pricing can be relatively painless. Drivers just need to spend a few minutes on the computer comparing rate quotes from online providers. Rate comparisons can be done in just a few minutes using one of these methods.
It’s up to you how you get prices quotes, just make sure you are using the same quote data with every price quote. If each company quotes differing limits then you won’t be able to determine the best price for your Dodge Ram Pickup 2500.
Insurance coverage is expensive, but you might already qualify for some discounts that can drop the cost substantially. Most are applied at the time of quoting, but a few must be asked for before they will apply. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.
Please keep in mind that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.
Companies and a partial list of their discounts are shown below.
When quoting, ask each company to give you their best rates. Some discounts listed above might not be available to policyholders in every state. If you would like to view insurance companies with significant discounts, follow this link.
When it comes to choosing coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine whether or not you might need an agent’s assistance.
If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.
Understanding the coverages of a insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.
Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.
This can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for things like repair costs for stationary objects, court costs and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as damage from getting keyed, a tree branch falling on your vehicle and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for doctor visits, pain medications, hospital visits, chiropractic care and ambulance fees. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
This pays for damage to your Ram Pickup 2500 resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as sideswiping another vehicle, rolling your car, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.
Discount 2004 Dodge Ram Pickup 2500 insurance can be purchased both online and from local insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who do not offer internet price quotes and these smaller providers sell through local independent agencies.
In this article, we covered many ideas to compare 2004 Dodge Ram Pickup 2500 insurance premium rates online. The key concept to understand is the more you quote insurance, the better your comparison will be. Consumers may even find the lowest premium rates are with some of the lesser-known companies. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as Geico and State Farm.
When searching for inexpensive insurance quotes, never buy poor coverage just to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best cost, but do not skimp to save money.
For more information, take a look at these articles:
Rima Strickland
I got quite a few price quotes for a 2004 Dodge Ram Pickup 2500 in Manchester, NH. Ended up at about $80 every six months with Auto-Owners. I dropped full coverage awhile back.
Shela Durham
Will 21st Century raise rates for a small claim?
Kylee Dejesus
Does Allstate insure at replacement cost?
Margert Lopez
Do I have to carry car insurance in Tennessee?
Irena Jensen
Nice post. Located in Des Moines, IA. Received prices from Progressive, GMAC, and Encompass for my Dodge and am saving around $60 a year. Left Mercury to switch. I only have liability coverage on it.
Camellia Weber
Will State Farm be cheaper if I raise deductibles?
Alta Oneal
How are claims handled by State Farm around Los Angeles, CA?
Bianca Mckee
Will 21st Century give a discount for driver training?
Yadira Allen
Anyone compare Progressive and State Farm rates in Tucson, AZ?
Jerlene Floyd
It’s all a rip off. Proud to be from Fairbanks, AK. I got free quotes from Auto-Owners, Sentry, and a few others for my Ram Pickup 2500 and cut my rates about $70 a year. They offer free online rate quotes. I dropped full coverage awhile back.