2009 Dodge Ram Pickup 2500 Insurance Quotes – 5 Ideas for Best Rates

Looking for better insurance rates for your Dodge Ram Pickup 2500? Overpriced Dodge Ram Pickup 2500 insurance can eat up your bank account and make it impossible to make ends meet.

There is such a variety of insurers to choose from, and even though it’s nice to have multiple companies, it can be more challenging to find the best rates for your vehicles.

You should make it a habit to get comparison quotes before your policy renews due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the best price on Ram pickup coverage last year there may be better deals available now. Ignore everything you know about insurance because you’re going to get a crash course in one of the best ways to reduce your cost while increasing coverage.

Ways to get car insurance rate quotes

Many insurance companies such as State Farm, Allstate and Geico allow you to get price estimates on the web. Doing online price comparisons is pretty painless because it’s just a matter of typing in your coverage information into a form. Once entered, the system will obtain your driving record and credit report and generates a price. This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively complete many quote forms is a waste of time. But it’s also necessary to compare as many rates as possible in order to find better prices.

A quicker way to get multiple rate quotes requires only one form to obtain quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online shopping much easier. As soon as the form is sent, your coverage is rated and you can select your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

In order to find out what other companies charge, click here and enter your information. If you have a policy now, it’s recommended you duplicate deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will receive a rate comparison for exact coverage.

Get lower-cost auto insurance quotes with discounts

Companies that sell car insurance don’t necessarily list every disount available very well, so below is a list a few of the more common as well as the least known discounts that you may qualify for.

• Early Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
• Include Life Insurance and Save – Larger auto insurance companies have a small discount if you purchase a life policy as well.
• New Vehicle Savings – Putting auto insurance coverage on a new car can get you a discount since new vehicles are generally safer.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
• Active Military Service – Being on active duty in the military could be rewarded with lower rates.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, that’s just not realistic.

Companies and a summarized list of policyholder discounts are:

• Progressive policyholders can earn discounts including multi-vehicle, online signing, homeowner, multi-policy, and online quote discount.
• Farmers Insurance discounts include teen driver, switch companies, alternative fuel, early shopping, and youthful driver.
• Farm Bureau includes discounts for safe driver, 55 and retired, renewal discount, multi-policy, good student, and youthful driver.
• State Farm may offer discounts for driver’s education, Steer Clear safe driver discount, accident-free, good student, multiple autos, and safe vehicle.
• Geico has savings for daytime running lights, defensive driver, federal employee, seat belt use, five-year accident-free, and air bags.
• SAFECO offers premium reductions for teen safety rewards, teen safe driver, anti-lock brakes, safe driver, and bundle discounts.
• Liberty Mutual may include discounts for exclusive group savings, new graduate, teen driver discount, newly married, good student, and preferred payment discount.

Double check with all companies you are considering which discounts you qualify for. Some discounts might not apply everywhere. If you would like to see a list of insurers with the best discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might point out if you might need professional guidance.

• What is roadside assistance coverage?
• Am I covered if hit by an uninsured driver?
• How can I find cheaper teen driver insurance?
• When would I need additional glass coverage?
• Are my tools covered if they get stolen from my vehicle?
• How can I get my company to pay me more for my totalled car?
• Am I covered if I hit a deer?
• Is a blown tire covered by insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Can you really save if you switch?

Popular car insurance providers such as State Farm, Allstate and Geico regularly use television, radio, and online ads. They all tend to make the same promise about how much you will save if you switch your car insurance policy to them. How does every car insurance company charge less that you’re paying now? It’s all in the numbers.

Car insurance companies quote their best rates for the right customer that makes them money. An example of a desirable insured may be a female over age 40, has a clean driving record, and chooses high deductibles. A driver who fits that profile will probably get the lowest prices and is almost guaranteed to save if they switch.

Drivers who are not a match for the ideal profile will probably have to pay a more expensive rate which usually ends up with business not being written. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can confidently make those statements. This really drives home the point why you really should compare rate quotes every year. It is impossible to guess which car insurance company will fit your personal profile best.

Coverage specifics

Understanding the coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Dodge Ram Pickup 2500.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability car insurance

This provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds, court costs and medical expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision insurance

Collision coverage pays for damage to your Ram Pickup 2500 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, vandalism, damage from getting keyed, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as doctor visits, hospital visits, ambulance fees, nursing services and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

When getting insurance quotes online, make sure you don’t buy less coverage just to save a little money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best possible price.

Throughout this article, we presented some good ideas how to compare 2009 Dodge Ram Pickup 2500 insurance rates online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with the smaller companies. They can often provide lower car insurance rates in certain areas than their larger competitors like State Farm or Progressive.

For more information, feel free to browse these articles:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Who Has the Cheapest Car Insurance Rates for a Dodge Ram in Denver? (DenverCoverage.com)
• Rollover Crash FAQ (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)