Cheaper 2008 Dodge Ram Pickup 1500 Insurance Rates

Finding low cost Driversinsurance may be frustrating for people new to online comparison shopping. With so many companies, it can turn into a ton of work to find better prices.

Shopping for cheaper coverage is easy if you know what you’re doing. Essentially every vehicle owner who shops for car insurance stands a good chance to be able to reduce their rates. But vehicle owners must know the way companies market insurance on the web.

How to get auto insurance rate quotes

Comparing auto insurance rates can be a lot of work if you don’t understand the easiest way. You could waste a few hours talking to local insurance agents in your area, or you can utilize the internet to achieve your goal.

Most car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and every company provides a quote determined by their information. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To participate in this free quote system, click here (opens in new window).

The single downside to using this type of system is you cannot specify the insurers to get quotes from. So if you want to choose from a list of companies to compare prices, we have a listing of low cost auto insurance companies in your area. Click here to view list.

The approach you take is up to you, just be sure you’re using the exact same coverage limits for every quote you compare. If you have mixed coverages you will not be able to make a fair rate comparison. Even a minor difference in limits can mean a large discrepancy in price. Just remember that quoting more increases the change that you will find a lower rate.

Special considerations

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique.

For example, these questions can help discover if your situation might need professional guidance.

• Is my Dodge Ram Pickup 1500 covered if I use it for business?
• Should I carry comprehensive and collision coverage?
• Does my policy pay for OEM or aftermarket parts?
• Is my cargo covered for damage or theft?
• Will my rates increase for filing one claim?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is my custom paint covered by insurance?
• When would I need additional glass coverage?
• Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages explained

Having a good grasp of auto insurance can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for things such as vandalism, a broken windshield and damage from flooding. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Dodge Ram Pickup 1500.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like dental work, rehabilitation expenses, prosthetic devices and surgery. They can be 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 and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, emergency aid, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.