2007 Dodge Ram Pickup 1500 Insurance Quotes

Shoppers have lots of choices when shopping for low-cost Dodge Ram Pickup 1500 insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to shop for insurance coverage and we’ll show you the quickest way to get price quotes for your Dodge and locate the lowest price either online or from local insurance agents.

It’s smart to quote other rates on a regular basis because insurance coverage prices fluctuate regularly. Just because you found the lowest price on Ram pickup coverage a couple years back the chances are good that you can find a lower rate quote today. There are lots of tips to save on insurance coverage out there, but in this article, you’re going to get some solid techniques on how to lower your insurance coverage rates.

How to compare auto insurance rate quotes

There are several ways to compare auto insurance prices but some are easier and takes less work. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get the quickest rates.

Many of the larger companies participate in an industry program where insurance shoppers submit one quote, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing form submissions for each company you want a rate for.

To use this form to compare rates click here to start a free quote.

One minor caviat to comparing rates this way is buyers cannot specifically choose which providers to get quotes from. So if you want to select from a list of companies to compare, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing nearly identical coverage limits with each company. If you are comparing higher or lower deductibles you can’t possibly determine the lowest rate for your Dodge Ram Pickup 1500.

Affordable auto insurance rates with discounts

Auto insurance companies do not list every disount available very clearly, so here is a list some of the more common and also the lesser-known auto insurance savings.

• Membership in Organizations – Participating in a qualifying organization could trigger savings when shopping for auto insurance.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school.
• Auto/Home Discount – If you can combine your homeowners and auto policy with the same company you could get a discount of at least 10% off all policies.
• Own a Home – Being a homeowner can get you a discount because of the fact that having a home shows financial diligence.
• Multiple Vehicles – Buying insurance for several vehicles on one policy can get a discount on all vehicles.
• Paperless Signup – A handful of auto insurance companies may give you up to $50 for buying your policy on your computer.
• Discount for Life Insurance – Companies who offer life insurance give better prices if you take out life insurance.
• Driver Training Discounts – Completing a course in safe driver could earn you a small percentage discount and make you a better driver.
• Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.

Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. Any qualifying discounts will definitely lower your policy premiums.

Insurance companies who may offer most of these discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

Before purchasing a policy, check with every company the best way to save money. Some credits may not apply to policyholders everywhere. To find providers that offer the discounts shown above, click this link.

Informed drivers can reduce their insurance rates

Part of the insurance coverage buying process is learning a few of the rating criteria that aid in calculating the rates you pay for insurance coverage. When you know what positively or negatively determines premiums, this enables informed choices that could result in big savings.

Listed below are a few of the “ingredients” utilized by car insurance companies to help set prices.

• Too many policy claims will drive insurance coverage rates up – If you are the type of insured that files lots of claims don’t be surprised to see either policy cancellation or increased premiums. Insurance companies give discounts to insureds who are claim-free. Your car insurance is meant to be used in the event of the large, substantial claims.
• More stress means more cost – Jobs such as military personnel, executives and dentists tend to have higher premiums than the average policyholder because of intense work situations and extremely grueling work hours. On the flip side, careers such as scientists, students and the unemployed generally pay rates lower than average on Ram pickup coverage.
• Poor credit can mean higher rates – Having a bad credit score is likely to be a major factor in determining premium rates. If your credit score leaves room for improvement, you could pay less to insure your 2007 Dodge Ram Pickup 1500 by spending a little time repairing your credit. Consumers who have high credit scores tend to be more responsible and file fewer claims than those with poor credit.
• Car and home together may be cheaper – Many companies give better rates to buyers that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to comparison shop to help guarantee you have the best rates.There is a chance you can save even more by buying insurance from more than one company.
• Never have coverage lapses – Driving your car without having proper coverage is a big no-no and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, the inability to provide proof of insurance may earn you a steep fine or even jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Traffic violations are costly – Careful drivers receive lower rates as compared to careless drivers. Just one ticket may increase your cost by as much as twenty percent. Drivers who have gotten severe citations such as DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state DMV in order to legally drive a vehicle.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if you might need an agent’s assistance.

• Is business equipment covered while in my vehicle?
• Should I bundle my homeowners policy with my auto?
• When can my company non-renew my policy?
• When should I not file a claim?
• Do I need higher collision deductibles?
• If I drive on a suspended license am I covered?
• Can I afford to buy a different vehicle if my 2007 Dodge Ram Pickup 1500 is totaled?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Big brands don’t always mean big savings

Drivers can’t escape the ads that promise big savings from companies such as Allstate, Geico and Progressive. All the companies seem to make the promise that you can save if you switch to their company.

It sounds good, but how can they all make the same claim? It’s all in how they say it.

All the different companies have an ideal profile for a prospective insured that is profitable for them. One example of a profitable customer could possibly be a mature driver, has no driving citations, and has great credit. A customer who matches that profile is entitled to the best price as well as save a lot of money.

Potential customers who do not fit these stringent criteria will probably be forced to pay higher premium rates and this can result in the prospect going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” save that much when switching. That’s why insurance companies can make those claims. This illustrates why it’s extremely important to do a rate comparison at every renewal. It’s not possible to predict with any certainty which company will provide you with the cheapest premium rates.

Auto insurance policy specifics

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage pays for damage to your Ram Pickup 1500 caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hail damage and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for dental work, prosthetic devices, pain medications, EMT expenses and surgery. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

A little work can save a LOT of money

More affordable insurance can be sourced online and from local agencies, so you should compare both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and many times these regional carriers only sell through independent agencies.

When you buy insurance coverage online, you should never reduce coverage to reduce premium. In many instances, consumers will sacrifice physical damage coverage only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best possible price, not the least amount of coverage.

Drivers leave their current company for a variety of reasons including denial of a claim, not issuing a premium refund, policy non-renewal or even policy cancellation. No matter why you want to switch, switching insurance companies is pretty easy and you might even save some money in the process.

More tips and info about insurance is located by following these links:

• Insurance Losses by Make and Model (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)