Save on 2003 Dodge Ram Pickup 1500 Insurance Rates

Finding the best price on car insurance can seem like an uphill battle if you’ve never compared quoting online. But don’t be discouraged because using the internet to shop for car insurance is actually quite easy.

It’s important to compare prices occasionally because rates are usually higher with each renewal. Even if you got the lowest rates for Ram pickup coverage six months ago the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online, so I’m going to show you some great ideas on how to find cheap car insurance.

Finding the lowest cost coverage is simple if you know the tricks. Basically, everyone who shops for auto insurance will be able to cut their insurance bill. Nevertheless, car owners do need to understand the way insurance companies sell online.

Comprehensive Car Insurance Comparison

Effectively comparing car insurance prices can be challenging if you don’t understand the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use online quotes to accomplish the same thing much quicker.

Most car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company can give them a price based on that information. This saves time by eliminating quote forms for every car insurance company.

To find out what other companies charge for 2003 Dodge Ram Pickup 1500 insurance click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose which insurance companies to receive prices from. If you wish to select specific insurance companies for rate comparison, we have a page of car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure to compare the exact same coverages on every quote. If each company quotes different limits and deductibles on each one it’s impossible to determine the lowest rate for your Dodge Ram Pickup 1500. Just a small difference in coverage limits can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies provides better odds of finding a better price.

Don’t pay full price with these discounts

Car insurance is not cheap, but there are discounts available to reduce the price significantly. Some discounts apply automatically when you quote, but a few need to be asked about before you get the savings.

  • Low Mileage – Keeping the miles down on your Dodge can earn discounted rates on garaged vehicles.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiring. The savings is around 10%.
  • Resident Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy could earn a price break for each car.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Ram pickup coverage than drivers with accident claims.

It’s important to note that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, it doesn’t quite work that way. But all discounts will help reduce the amount you have to pay.

For a list of providers with discount insurance rates, click here to view.

Why your Dodge Ram Pickup 1500 insurance rates may be high

An important part of buying insurance is that you know some of the elements that come into play when calculating your car insurance rates. Understanding what determines base rates empowers consumers to make smart changes that can help you get lower car insurance prices.

  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a fast way to bump up your car insurance costs. Not only will rates go up, but not being able to provide proof of insurance might get you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Your stress level may be raising your rates – Occupations like doctors, business owners and stock brokers tend to have the highest rates due to high stress and long work days. On the other hand, occupations such as pilots, students and the unemployed receive lower rates for Ram pickup coverage.
  • A clean driving record saves money – Your driving citation history impacts your car insurance rates tremendously. Careful drivers get better rates than bad drivers. Even one moving violation can boost insurance rates by twenty percent. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Marriage brings a discount – Having a spouse can get you a discount on your policy. It translates into being more mature than a single person and statistics show married couples file fewer claims.

Your personal situation dictates your coverage

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

  • Is a fancy paint job covered?
  • What discounts do I qualify for?
  • When should my teen driver be added to my policy?
  • What if I owe more than I can insure my car for?
  • Am I covered if I break a side mirror?
  • Can I still get insurance after a DUI?
  • Am I covered when delivering products for my home-based business?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my dog or cat covered if injured in an accident?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance 101

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hail damage and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – This coverage will cover damage that occurs to people or other property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has 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 $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, repair costs for stationary objects, bail bonds, pain and suffering and medical expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision coverages – Collision insurance will pay to fix damage to your Ram Pickup 1500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram Pickup 1500.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for dental work, funeral costs, X-ray expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

You can do this!

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability coverage limits and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Insureds change insurance companies for many reasons like high rates after DUI convictions, high prices, delays in responding to claim requests or even policy non-renewal. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

Affordable 2003 Dodge Ram Pickup 1500 insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

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