Cheaper 1999 Dodge Ram Pickup 2500 Car Insurance Rates

Trying to find lower auto insurance rates for your Dodge Ram Pickup 2500? Are you a victim of high-priced auto insurance? Trust us when we tell you there are many people just like you.

Insurance companies such as State Farm and Geico constantly blast consumers with ad campaigns and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.

It’s smart to check auto insurance prices every six months since rates are constantly changing. Despite the fact that you may have had the best deal on Ram pickup coverage two years ago you may be paying too much now. So just forget anything you know (or think you know) about auto insurance because you’re going to learn how to quote online to save on auto insurance.

If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is quite easy. Nevertheless, car owners can benefit by having an understanding of how big insurance companies price online insurance and use this information to your advantage.

Do you qualify for discounts?

Car insurance is not cheap, but companies offer discounts that many people don’t even know exist. Certain discounts will be applied when you quote, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Claim Free – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
  • Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
  • Driver Safety – Completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Sign Online – Certain companies will give a small break for buying a policy and signing up online.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.

A little note about advertised discounts, most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

Insurance companies who might offer these benefits may include but are not limited to:

Check with all companies you are considering how you can save money. All car insurance discounts may not be available in your state.

Comparison of Car Insurance

To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The quickest method to find the lowest 1999 Dodge Ram Pickup 2500 rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. The recommended way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for multiple quote forms for each company you want a rate for. One quote request will return quotes direct from many companies.
  2. A slightly less efficient method to obtain and compare quotes online consists of visiting each individual company website and complete a new quote form. For sake of this example, let’s say you want to compare rates from Allstate, Esurance and Liberty Mutual. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but compare identical deductibles and coverage limits with each company. If each company quotes different limits and deductibles on each one it will be next to impossible to decipher which rate is best. Quoting even small variations in coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing a large number of companies will increase your chances of finding the best rates.

Your Dodge Ram Pickup 2500 insurance rate is a complex equation

Consumers need to have an understanding of the different types of things that help determine your insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with big savings.

  • Your age impacts your rates – Teenage drivers have a tendency to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Careers like judges, architects and financial analysts are shown to have higher average rates attributed to job stress and lots of time spent at work. Conversely, professions such as scientists, engineers and homemakers pay the least on Ram pickup coverage.
  • More miles equals more premium – The more you drive in a year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy properly reflects the correct driver usage. Incorrect usage on your Ram Pickup 2500 may be costing you.
  • Always keep insurance in force – Not having insurance is a misdemeanor and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance might get you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Clean credit earns discounts – Having a bad credit rating is a important factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. Therefore, if your credit score can use some improvement, you could pay less to insure your 1999 Dodge Ram Pickup 2500 by improving your rating.
  • More people means more accidents – Choosing to live in a rural area can save you money when talking about insurance. City drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining if you might need professional guidance.

  • Does insurance cover damages from a DUI accident?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need more liability coverage?
  • What if I total my 1999 Dodge Ram Pickup 2500 and owe more than it’s worth?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What discounts do I qualify for?
  • How can I force my company to pay a claim?
  • Am I covered when driving someone else’s vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Misconceptions in auto insurance advertisements

Auto insurance companies such as Geico, State Farm and Progressive regularly use ads on TV and radio. They all seem to make an identical promise that you’ll save big if you move your coverage to them. How does each company claim to save you money? It’s all in the numbers.

All companies can use profiling for the right customer that earns them a profit. For example, a profitable customer might be over the age of 40, is a homeowner, and has great credit. A driver who matches those parameters will get very good rates and most likely will save when they switch companies.

Potential customers who don’t meet the requirements will have to pay higher prices and ends up with business going elsewhere. Company advertisements say “people who switch” not “people who quote” save that much. This is how insurance companies can advertise the savings.

Because of the profiling, you need to get a wide range of price quotes. It’s impossible to know which insurance companies will fit your personal profile best.

Parts of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1999 Dodge Ram Pickup 2500.

Due to the fact that many drivers 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. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, fire damage, vandalism, damage from flooding and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

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 insurance covers things such as backing into a parked car, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverage

This provides protection from damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

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. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like funeral expenses, attorney fees, bail bonds, medical expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

And the best car insurance company is…

The cheapest 1999 Dodge Ram Pickup 2500 insurance can be sourced from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When you buy insurance online, you should never reduce needed coverages to save money. There have been many cases where an accident victim reduced collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

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