1997 Dodge Ram Pickup 1500 Insurance Quotes – 5 Tips for Cheaper Rates

Buying the cheapest insurance on the web can seem to be difficult for consumers not familiar with comparison shopping online. Because there are so many insurers available, how can consumers effectively compare the different rates to find the lowest price available?

If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Finding the cheapest coverage is quite easy. Nevertheless, car owners must comprehend how companies determine prices and use this information to your advantage.

Which Insurance is Cheapest?

All the larger insurance companies quote prices for coverage online. This process is pretty painless as you just type in your required coverages as detailed in the form. After you submit the form the system orders credit information and your driving record and gives you a price quote based on these factors.

This makes comparing rates easy, but having to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to perform this step if you want to find a lower rate.

Compare rates the easy way

The easiest way to find better insurance pricing makes use of a single form that analyzes rates from a lot of companies. It saves time, requires less work, and makes online quotes much easier. Once the form is submitted, it is rated with multiple companies and you can pick any one of the pricing results. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process only takes a few minutes and can result in significant savings.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. To compare your current rates, we recommend you input your coverages identical to your current policy. This ensures you will have rate comparison quotes based on similar coverages.

Discounts mean cheaper Dodge Ram Pickup 1500 insurance rates

Auto insurance companies do not advertise every discount very well, so we break down some of the best known and the more hidden ways to save on car insurance.

  • Homeowners Discount – Simply owning a home may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Drive Less and Save – Fewer annual miles on your Dodge could qualify for lower rates on the low mileage vehicles.

It’s important to note that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

Insurance companies that may offer these discounts include:

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • What is covered by UM/UIM coverage?
  • Do I need replacement cost coverage on my 1997 Dodge Ram Pickup 1500?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my state a no-fault state?
  • When would I need additional glass coverage?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Don’t listen to company ads

Car insurance providers like State Farm, Allstate and Geico continually stream television and radio advertisements. They all make the same claim of big savings after switching to their company. How do they all claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. For example, a profitable customer might be profiled as a mature driver, has no tickets, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when switching.

Drivers who do not match the requirements must pay higher premiums which leads to the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much. That’s the way companies can make the claims of big savings. This illustrates why drivers must compare many company’s rates. It’s not possible to predict which insurance companies will provide you with the cheapest Dodge Ram Pickup 1500 insurance rates.

Car insurance 101

Knowing the specifics of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Pickup 1500.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, hitting a bird, falling objects, hail damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your Ram Pickup 1500 resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as bail bonds, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for funeral costs, dental work and ambulance fees. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Cheaper insurance is a realistic goal

Discount 1997 Dodge Ram Pickup 1500 insurance can be purchased both online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies don’t offer online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Throughout this article, we presented a lot of information how to get a better price on insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the best prices are with a small local company.

More detailed insurance information is available by following these links: