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Dodge RAM 150 Insurance Rates

Comparing auto insurance through online rate quotes is simple to do, plus you will probably save money. The critical component is to compare as many rate quotes as possible so you can compare every option.

Using the web to shop for auto insurance direct can be difficult if you have never used online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Finding a lower price on Dodge RAM 150 insurance can be surprisingly simple. You just have to take a little time comparing rates online with multiple companies. This can be done by visiting this page.

Rates are determined by the following

Insurance rates for a Dodge RAM 150 will vary greatly subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Your credit history
  • Your location impacts rates
  • How many miles you drive
  • Male rates may be higher
  • Higher deductibles save money
  • Crash test rating for your RAM 150
  • No claims lowers premiums
  • Having current coverage saves
  • Home ownership saves money

One last important factor that can impact the rate you pay on your Dodge is the year of manufacture. A newer vehicle have a higher value so the payout to repair will push premiums up. On the flip side, newer vehicles may have options like lane departure warning system, a telematics system, and adaptive headlights so those may provide discounts that lower premiums.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability

Dodge RAM 150 liability coverage can cover damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverage

This coverage covers damage to your Dodge caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Dodge RAM 150 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper Dodge RAM 150 insurance rates.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Dodge RAM 150 Insurance Rates?