How Much Does 2000 Dodge Ram Pickup 1500 Car Insurance Cost?

Finding cheap insurance coverage on the internet may be intimidating for consumers new to comparing rates online. With a ridiculous number of insurers to choose from, how can consumers even start to compare every one to find the lowest price available?

You need to shop coverage around before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best deal on Ram pickup insurance a year ago there may be better deals available now. There is a lot of bad information regarding insurance coverage on the web, but we’re going to give you a bunch of ideas how to put money back in your pocket.

These factors can influence what you pay for Dodge Ram Pickup 1500 insurance

It’s important that you understand the factors that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • High crash test scores lower rates – Vehicles with good safety scores get lower rates. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and thus lower rates. If your Dodge Ram Pickup 1500 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • How’s your driving record? – Even a single ticket can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Drivers who get severe violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Small claims can cost you – If you frequently file small claims, you can pretty much guarantee higher rates. Auto insurance companies award cheaper rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Younger drivers pay higher rates – Young drivers are known to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, file fewer claims and are safer drivers.
  • Increase deductibles and save – Physical damage deductibles represent how much money you are willing to pay before your auto insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more money you’re willing to pay, the less your company will charge you for insurance on Ram pickup insurance.
  • Do you need the policy add-ons? – There are many extra coverages you can purchase on your Ram Pickup 1500 policy. Things like vanishing deductibles, better glass coverage and membership fees may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Drive less and save money – Driving more miles in a year the more you will pay for auto insurance. The majority of insurers apply a rate based on how the vehicle is used. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your Ram Pickup 1500 may be costing you. Make sure your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.

Don’t pay full price with these discounts

Car insurance companies don’t always list all available discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find ways to save on insurance.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings when shopping for insurance on Ram pickup insurance.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more if you qualify.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.

Keep in mind that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies offering insurance discounts, click here to view.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need PIP coverage since I have good health insurance?
  • Should I rate my 2000 Dodge Ram Pickup 1500 as pleasure use or commute?
  • Does my 2000 Dodge Ram Pickup 1500 need full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Specifics of your insurance policy

Having a good grasp of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage protection

This coverage pays for damage to your Ram Pickup 1500 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, theft, damage from getting keyed, hitting a deer and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, bail bonds, funeral expenses, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses for X-ray expenses, hospital visits, doctor visits and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

What is YOUR best insurance company?

When shopping online for auto insurance, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, someone dropped comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

Insureds change insurance companies for a variety of reasons including delays in paying claims, not issuing a premium refund, an unsatisfactory settlement offer or questionable increases in premium. Whatever your reason, switching companies can be pretty painless.

Discount 2000 Dodge Ram Pickup 1500 insurance is possible on the web and with local insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer online quoting and these small insurance companies work with independent agents.

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