2009 Dodge Ram Pickup 1500 Car Insurance Cost

Searching for better insurance coverage rates for your Dodge Ram Pickup 1500? Locating better insurance prices for your Dodge Ram Pickup 1500 can turn out to be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to compare insurance coverage rates so you’re going to learn the best way to get price quotes for a Dodge and find the best price possible either online or from local insurance agents.

If you have a policy now or need a new policy, you can follow these tips to find better prices and still get good coverage. Shopping for affordable auto insurance coverage is easy if you know what you’re doing. Drivers only need to know the most effective way to find the lowest price online.

Finding Insurance Coverage Deals

Reducing your 2009 Dodge Ram Pickup 1500 insurance rates can be relatively painless. All you need to do is take a couple of minutes comparing rates online from several insurance companies. This can be done in several different ways.

  • The recommended way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating a different quote for each company. Just one form will return quotes from several companies.It’s the quickest way to get rates.
  • A more difficult way to get quotes online consists of going to the website for every company you want to comare and complete a new quote form. For examples sake, we’ll pretend you want comparison quotes from Liberty Mutual, 21st Century and Progressive. To get rate quotes you would need to take the time to go to each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  • The least efficient way to get comparison rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the professional guidance that only a license agent can provide. You can, however, get prices online but buy from a local insurance agent and you’ll learn how to do that later.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage limits and deductibles with each company. If you are comparing different limits and deductibles on each one you can’t possibly truly determine the lowest rate.

The car insurance bait and switch

Consumers can’t get away from ads that promise big savings from the likes of State Farm and Allstate. They all make an identical promise that you can save if you change your coverage to them.

How do they all make almost identical claims?

All the different companies are able to cherry pick for the type of driver that is profitable for them. For example, a preferred risk could possibly be a mature driver, a clean driving record, and has a high credit rating. Any new insured that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Potential customers who don’t measure up to this ideal profile must pay more money and this can result in the customer not buying. The ads state “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can make those claims.

This illustrates why drivers should compare many company’s rates. It’s just too difficult to predict which car insurance company will have the lowest Dodge Ram Pickup 1500 insurance rates.

Why your Dodge Ram Pickup 1500 insurance rates may be high

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Increase deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Dodge. Examples of covered claims could be a windshield shattered by a rock, damage from fire, and windstorm damage. Physical damage deductibles are how much you are willing to pay before your auto insurance pays a claim. The higher the amount you’re willing to pay, the less your auto insurance will be on Ram pickup coverage.
  • Clean credit earns discounts – A driver’s credit score is a important factor in your rate calculation. If your credit rating is lower than you’d like, you could pay less to insure your 2009 Dodge Ram Pickup 1500 by improving your rating. Consumers who have high credit scores tend to be less risk to insure than those with poor credit.
  • Liability coverage is cheap – Liability coverage is the protection when a court rules you are at fault for damages from an accident. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Cautious drivers pay less – A bad driving record impacts your car insurance rates tremendously. Careful drivers receive lower rates compared to drivers with tickets. Even a single citation can boost insurance rates forty percent or more. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.

You probably qualify for some discounts

Car insurance can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but a few must be specially asked for before you get the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Defensive Driving Course – Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • No Charge for an Accident – A few companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Ram pickup coverage with certain companies.
  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts until age 25.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
  • Senior Discount – Mature drivers may receive a small decrease in premiums on Ram pickup coverage.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance from them.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will reduce the cost of coverage.

A partial list of companies who might offer these discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not be offered in your state.

There’s no such thing as the perfect policy

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help highlight if your situation will benefit from professional help.

  • Am I covered when delivering products for my home-based business?
  • Is my teen driver covered when they drive my company car?
  • How much underlying liability do I need for an umbrella policy?
  • Is my ex-spouse still covered by my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I rate my 2009 Dodge Ram Pickup 1500 as pleasure use or commute?
  • What is PIP insurance?
  • Should I have combined single limit or split liability limits?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage basics

Understanding the coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2009 Dodge Ram Pickup 1500.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, a broken windshield and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This pays for damage to your Ram Pickup 1500 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability – This coverage provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like emergency aid, pain and suffering, legal defense fees and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as funeral costs, dental work and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Quote more, save more

You just read many tips how you can shop for 2009 Dodge Ram Pickup 1500 insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a smaller regional carrier.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Lower-priced insurance is attainable from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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