1996 Dodge Ram Pickup 2500 Insurance Cost – 9 Ideas for Cheapest Prices

Trying to find lower car insurance rates for your Dodge Ram Pickup 2500? Are you a victim of overpriced car insurance? Trust us when we tell you you’re not alone.

Insurance companies such as Allstate, Progressive and Geico promote their brand names with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Compare the Market for Insurance

There are several ways to compare Dodge Ram Pickup 2500 insurance quotes, and some are more efficient than others. You could spend your day talking to insurance companies in your area, or you can utilize the web to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company can give them a price. This eliminates the need for repetitive form submissions for every insurance company.

To find out how much you can save on insurance click to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose which providers to get pricing from. So if you prefer to choose specific insurance companies to compare prices, we have a listing of the cheapest insurance companies in your area. Click to view list.

Whichever way you use, make darn sure you compare exactly the same coverages and limits with every price quote. If you enter higher or lower deductibles then you won’t be able to determine which rate is truly the best. Just a small difference in insurance coverages may result in a large different in cost. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding a lower rate.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine whether you might need an agent’s assistance.

  • Is a fancy paint job covered?
  • Are my friends covered when driving my car?
  • Does having multiple vehicles earn me a discount?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my state a no-fault state?
  • Does liability extend to a camper or trailer?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Information about specific coverages

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Liability auto insurance

This will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different 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 means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, bail bonds, pain and suffering, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 2500.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for things like hospital visits, nursing services, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, rock chips in glass, vandalism, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.