2010 Dodge Ram Pickup 2500 Insurance Rates – 7 Savings Tips

Consumers have many options when looking for the lowest priced Dodge Ram Pickup 2500 insurance. You can either spend your time driving around to get rate comparisons or utilize the internet to find the lowest rates. There are more efficient ways to buy auto insurance so you’re going to learn the absolute fastest way to quote coverages for your Dodge and obtain the lowest possible price from both online companies and local agents.

It’s smart to do price comparisons before your next renewal since prices tend to go up over time. Even if you got the best deal on Ram pickup coverage last year you can probably find a better rate now. Forget all the misinformation about auto insurance because you’re about to find out how to use online quotes to properly buy coverages while reducing your premium.

If you have insurance now or are just looking to switch companies, you can use this information to get lower rates and still get good coverage. The purpose of this post is to teach you the best way to quote coverages. Drivers only need an understanding of the most efficient way to compare prices over the internet.

Save money with these seven discounts

Some providers do not list all available discounts in an easy-to-find place, so below is a list a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online. If you do not check that you are getting every discount you qualify for, it’s possible you qualify for a lower rate.

• Driver Safety – Successfully completing a driver safety class could possibly earn you a 5% discount and make you a better driver.
• College Student Discount – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
• Life Insurance Discount – Some insurance companies give lower premium rates if you buy life insurance.
• No Claim Discounts – Insureds who avoid accidents and claims get the best insurance rates in comparison to drivers who are more careless.
• Own a Home – Owning a house can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.
• Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of 25 to 30%.
• Multiple Vehicles – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will definitely lower the cost of coverage.

Companies and some of their more popular discounts include:

• State Farm may offer discounts for student away at school, Steer Clear safe driver discount, defensive driving training, accident-free, and safe vehicle.
• Liberty Mutual includes discounts for good student, preferred payment discount, safety features, exclusive group savings, hybrid vehicle, and new graduate.
• American Family offers premium reductions for early bird, TimeAway discount, accident-free, air bags, and good student.
• Progressive offers discounts including continuous coverage, online signing, good student, multi-policy, online quote discount, and homeowner.
• Farmers Insurance has discounts for pay in full, good student, switch companies, multi-car, mature driver, and teen driver.
• Auto-Owners Insurance may include discounts for safe vehicle, paperless, multi-policy, anti-theft, and multiple vehicles.
• SAFECO has savings for accident prevention training, teen safety rewards, anti-theft, safe driver, homeowner, and bundle discounts.

Check with all the companies how you can save money. Some of the earlier mentioned discounts might not be offered in your state. For a list of insurance companies who offer cheap insurance quotes, click this link.

The largest companies are not always cheapest

Consumers can’t escape the ads for cheaper insurance by Allstate, Geico and Progressive. All the ads make the point of big savings after switching to them.

That’s great but how can every company offer you a better deal?

Insurance providers have underwriting criteria for a prospective insured that makes them money. An example of a driver they prefer may be over the age of 45, carries high limits, and drives less than 10,000 miles a year. A driver who matches that profile will qualify for the lowest premium rates and will most likely save quite a bit of money when switching.

Insureds who may not quite match the requirements will probably be forced to pay a higher premium and the customer buying from a different company. If you pay attention, the ads say “customers who switch” not “everyone that quotes” save money. That is how insurance companies can lure you into getting a quote. That is why it is so important to compare many company’s premium rates. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.

Insurance can be complex

When choosing the right insurance coverage, there really is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that might point out whether you might need professional guidance.

• How can I get my company to pay me more for my totalled car?
• Is my teenager covered with friends in the car?
• Should I get collision insurance on every vehicle?
• Which companies will insure high-risk drivers?
• What is the minimum liability in my state?
• Can my teen drive my company car?
• Can my teen driver be rated on a liability-only vehicle?
• What are the financial responsibility laws in my state?
• When should I buy a commercial auto policy?
• Are my friends covered when driving my car?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage basics

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This pays for damage to your Ram Pickup 2500 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, hitting a mailbox, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance will cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like funeral expenses, repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for nursing services, doctor visits, EMT expenses and surgery. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Keep this in mind

When searching for the cheapest auto insurance quotes, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone sacrificed collision coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

In this article, we presented many ways to reduce 2010 Dodge Ram Pickup 2500 insurance rates online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the best rates are with the least-expected company.

Lower-priced 2010 Dodge Ram Pickup 2500 insurance is attainable online in addition to local insurance agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. A few companies may not have rates over the internet and many times these smaller providers work with local independent agencies.

To read more, link through to these articles:

• Driving in Bad Weather (Insurance Information Insitute)
• How Much is Car Insurance for a Dodge Ram in Henderson? (QuoteHenderson.com)
• Distracted Driving Statistics (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)