1995 Dodge Ram Pickup 1500 Car Insurance Quotes

Want better insurance rates for your Dodge Ram Pickup 1500? Expensive insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to tighten up your finances. Insurance companies such as Allstate, Progressive and Geico all claim big savings with advertising and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should make it a habit to price shop coverage periodically because prices are constantly changing. Even if you think you had the best rates on Ram pickup coverage a couple years back other companies may now be cheaper. There is a lot of wrong information about insurance online, so with this article, you’re going to get some guaranteed methods to stop overpaying for insurance.

If you are insured now or are shopping for new coverage, you can use these tips to find better prices and still get good coverage. Finding the best rates is not rocket science. Drivers only need to know the best way to compare prices online.

The quickest method to compare car insurance rates is to take advantage of the fact car insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is give them some information such as types of safety features, whether or not you need a SR-22, distance driven, and whether you are single or married. Your information is instantly sent to many of the top insurers and you will receive price estimates very quickly.

What coverages do I need?

When buying the best insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

• Can my teen driver be rated on a liability-only vehicle?
• Is rental equipment covered for theft or damage?
• Am I covered if I hit a deer?
• Why am I be forced to buy a membership to get insurance from some companies?
• How much liability coverage do I need in my state?
• Is business property covered if stolen from my car?
• When would I need rental car insurance?
• What is roadside assistance coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, 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. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for ambulance fees, funeral costs, dental work, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive car insurance

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, rock chips in glass, a tree branch falling on your vehicle, hail damage and fire damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

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

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, repair bills for other people’s vehicles, structural damage, medical services and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, colliding with another moving vehicle, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.