1994 Dodge Ram Pickup 2500 Car Insurance Quotes

Looking for lower insurance coverage rates for your Dodge Ram Pickup 2500? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage.

Big companies like Geico, Progressive and Allstate continually hit you with catchy ads and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

It’s smart to price shop coverage every six months because prices fluctuate regularly. Even if you got the best rates on Ram pickup coverage a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to use the internet to eliminate unnecessary coverages and save money.

The quickest way to compare rates is to know the trick car insurance companies pay for the opportunity to give you rate quotes. To get started, all you need to do is spend a couple of minutes providing details like types of safety features, your occupation, if you lease or own, and how your vehicles are used. That information is sent automatically to many of the top insurers and they provide comparison quotes within a short period of time.

To find lower rates now, click here and see if a lower rate is available.

Save money by taking advantage of these discounts

Auto insurance companies don’t always list every discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

• Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Multiple Policy Discount – If you have multiple policies with one company you may earn approximately 10% to 15%.
• Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
• Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Ram pickup coverage than drivers with accidents.
• Auto/Life Discount – Larger companies have lower rates if you buy a life insurance policy as well.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
• Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
• Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
• Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you could get a free auto insurance policy, you won’t be that lucky.

To see a list of insurance companies with discount auto insurance rates, click this link.

When should I use an insurance agent?

When buying the best car insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether or not you may require specific advice.

• Why do I need rental car insurance?
• How do I buy GAP insurance?
• Are there companies who specialize in insuring high-risk drivers?
• Is my state a no-fault state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my business laptop covered if it gets stolen from my vehicle?
• When do I need to add a new car to my policy?
• What should my uninsured motorist coverage limits be in my state?
• Why am I required to buy liability insurance?
• Am I covered if I break a side mirror?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as dental work, surgery, chiropractic care, ambulance fees and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, vandalism and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – Collision insurance pays for damage to your Ram Pickup 2500 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb, backing into a parked car, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1994 Dodge Ram Pickup 2500.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages – This protects you from damages or injuries you inflict on people or other property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, loss of income, pain and suffering, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.