Looking for lower car insurance rates for your Dodge Ram Pickup 2500? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you many consumers feel financially strained by their car insurance policy. Big companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.
Getting a cheaper price on 1995 Dodge Ram Pickup 2500 insurance is a fairly straight forward process. The only requirement is to take a couple of minutes to get quotes from different insurance companies. This is very easy and can be done in a couple of different ways.
The recommended way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form keeps you from doing repetitive form submissions for each company. A single, simple form gets rate comparisons from several companies.
A harder way to obtain and compare quotes online requires visiting the website for each individual company to complete their respective quote request forms. For sake of this example, let’s assume you want to compare rates from Liberty Mutual, Esurance and State Farm. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
The most time-consuming method to compare rates is to spend your day driving to and from local insurance agencies. The internet has reduced the need for local agents unless you want the personal advice of a local agent. You can, however, compare online quotes and still use a local agent. We’ll cover that shortly.
It’s up to you which method you use, but compare exactly the same coverage limits and deductibles for each price quote. If you compare mixed coverages it will be impossible to determine which rate is truly the best.
Companies do not list every discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit available, you are paying more than you should be.
As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.
Car insurance companies that may have these discounts are:
Check with all companies you are considering which discounts they offer. Savings might not apply everywhere.
When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you might need professional guidance.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Knowing the specifics of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverages available from car insurance companies.
Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, surgery, chiropractic care and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Ram Pickup 2500.
Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as damage from getting keyed, rock chips in glass, hail damage, damage from flooding and hitting a deer. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
This protects you from damage that occurs to a person or their property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $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 bail bonds, repair bills for other people’s vehicles, pain and suffering, court costs and emergency aid. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.