Lower Your 2005 Dodge Ram Pickup 1500 Insurance Quotes

Buyers have lots of choices when searching for the best price on Dodge Ram Pickup 1500 insurance. They can either waste time driving around to compare prices or save time using the internet to make rate comparisons.

There is a better way to shop for insurance coverage so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Dodge and locate the best price possible from local insurance agents and online providers.

It’s important to compare prices quite often because insurance coverage rates tend to go up over time. Even if you got the best premium rates for Ram pickup insurance two years ago there is a good chance you can find better prices now. There are a lot of ways to save on insurance coverage on the internet, but in this article, you’re going to get some tested techniques to quit paying high insurance coverage rates.

If you have a current car insurance policy or need a new policy, you can learn to find the best rates while maximizing coverage. The purpose of this article is to familiarize you with how to get online quotes and some tricks to saving. Consumers just need to learn the most effective way to compare prices over the internet.

How to compare free insurance coverage price quotes

Cutting your insurance coverage rates is a fairly straight forward process. Consumers just need to take time to compare free insurance quotes to find. This is very easy and can be done in a couple of different ways.

The fastest way to find low rates is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. One quote request will return price quotes from multiple companies. Just one form and you’re done.

A harder way to shop for insurance coverage online consists of going to the website for every company you want to comare and repeat the quote process again and again. For instance, let’s assume you want to view quotes from Geico, Esurance and Progressive. You would have to go to each individual site and type in your information over and over, which can get old fast. To view a list of companies in your area, click here.

The least efficient method to quote and compare insurance rates is to drive around to local insurance agencies. Comparing online rate quotes can eliminate the need for a local agent unless your situation requires the advice and guidance that only a licensed agent can provide. It is possible with some companies price shop online but buy the policy through an agent.

The method you choose is up to you, but make absolute certain that you use nearly identical coverage limits on every quote you get. If you have mixed coverages it will be very difficult to find the best deal for your Dodge Ram Pickup 1500.

How do insurers determine Dodge Ram Pickup 1500 insurance premiums?

Many different elements are used in the calculation when quoting car insurance. Some factors are common sense like a motor vehicle report, but other criteria are less obvious such as your credit history or your vehicle rating.

The items below are just a few of the factors that factor into rates.

• Gender and car insurance rates – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean males are worse at driving than females. Both sexes are in fender benders at about the same rate, but the male of the species tend to have higher claims. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI).
• Car insurance rates and age – Older people are shown to be more cautious, cause fewer claims and accidents .Youthful drivers have a tendency to be inattentive when behind the wheel therefore car insurance rates are much higher.
• Raise deductibles and save – Your deductibles state the amount of money you are required to spend if a claim is determined to be covered. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply are rearending another vehicle, damage caused by hail, and damage caused by road hazards. The larger the amount you have to pay, the less your company will charge you for insurance for Ram pickup insurance.
• Certain employers raise car insurance rates – Occupational choices like real estate brokers, business owners and medical professionals usually pay higher average rates in part from high stress and extremely grueling work hours. Other careers such as scientists, athletes and retirees pay the least for Ram pickup insurance.
• Reduce prices by driving cars with good safety ratings – Cars with five star safety ratings tend to have lower insurance rates. Vehicles built for safety reduce occupant injuries and any reduction in injury severity means your insurance company pays less and more competitive rates for policyholders. If your Dodge Ram Pickup 1500 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• Pleasure use saves money – The more you drive in a year the higher your rate. The majority of insurers rate vehicles determined by how the vehicle is used. Autos that have low annual miles receive lower rates than cars that get driven a lot. Make sure your car insurance coverage correctly shows how each vehicle is driven, because improper ratings can cost you money. An improperly rated Ram Pickup 1500 is just wasting money.
• Marriage is a factor – Getting married may cut your premiums compared to being single. Having a spouse is viewed as being less irresponsible and insurance companies reward insureds because married drivers get in fewer accidents.
• Credit history impacts premium rates – Having a bad credit rating will be a significant factor in determining your rates. Drivers who have very high credit ratings tend to file fewer claims than drivers who have lower credit scores. If your credit rating is lower than you’d like, you could save money insuring your 2005 Dodge Ram Pickup 1500 by spending a little time repairing your credit.

Auto Insurance Discounts

Car insurance companies don’t always advertise the complete list of policy discounts in an easy-to-find place, so the list below contains some of the best known and also the lesser-known discounts that you can inquire about if you buy insurance online. If you don’t get every credit you deserve, you are not getting the best rate possible.

• Accident Forgiveness – This one is not really a discount per se, but certain companies permit an accident before your rates go up if your claims history is clear prior to being involved in the accident.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Homeowners Discount – Just being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
• Low Mileage – Maintaining low annual mileage can earn substantially lower rates.
• New Vehicle Savings – Buying insurance coverage on a new vehicle can cost up to 25% less because newer models are generally safer.
• Sign Early and Save – A few insurance companies offer discounts for switching policies prior to the expiration date on your current policy. This can save 10% or more.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

A list of auto insurance companies and a summarized list of policyholder discounts are:

• Farm Bureau offers premium reductions for multi-policy, safe driver, multi-vehicle, good student, 55 and retired, driver training, and renewal discount.
• State Farm includes discounts for multiple policy, defensive driving training, passive restraint, Drive Safe & Save, driver’s education, student away at school, and accident-free.
• Progressive has savings for continuous coverage, good student, online signing, online quote discount, multi-vehicle, and homeowner.
• Allstate offers discounts for eSmart discount, farm vehicle, anti-lock brakes, safe driver, and passive restraint.
• Nationwide may include discounts for easy pay, defensive driving, business or organization, Farm Bureau membership, multi-policy, and family plan.
• MetLife discounts include claim-free, defensive driver, good driver, multi-policy, and good student.

When comparing rates, check with every insurance company how you can save money. Some of the earlier mentioned discounts might not be offered in your area. For a list of insurers that have a full spectrum of discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions could help you determine if you would benefit from an agent’s advice.

• Is my ex-spouse still covered by my policy?
• Should I buy only the required minimum liability coverage?
• What is no-fault insurance?
• How do I buy GAP insurance?
• Why do I only qualify for high-risk insurance?
• How can I get my company to pay me more for my totalled car?
• Can I rent a car in Mexico?
• Do I need an umbrella policy?
• Is there coverage for injuries to my pets?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

The coverage is in the details

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 1500.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as doctor visits, pain medications, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, fire damage, theft and damage from a tornado or hurricane. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as emergency aid, structural damage and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

This coverage will pay to fix damage to your Ram Pickup 1500 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, sustaining damage from a pot hole, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

And the best car insurance company is…

Lower-priced insurance can be sourced online in addition to many insurance agents, so you need to shop insurance with both to have the best selection. A few companies may not have online price quotes and these smaller providers only sell through independent agencies.

You just read a lot of ways to get a better price on 2005 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the biggest savings come from an unexpected company.

Consumers who switch companies do it for any number of reasons including high prices, policy cancellation, an unsatisfactory settlement offer or even delays in responding to claim requests. Whatever your reason, finding a great new company can be easy and end up saving you some money.

Additional insurance information is located at these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Who Has Cheap Auto Insurance for a Dodge Ram in Omaha? (OmahaInsure.com)
• How Much is Car Insurance for a Dodge Ram in Greensboro? (QuoteGreensboro.com)
• Child Safety FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Parking Tips to Reduce Door Dings (State Farm)