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Dodge RAM 250 Insurance Rates

There are many options when insurance shopping for your Dodge vehicle. You can either buy through your neighborhood insurance agent or price shop online to compare rates from many different companies. Comparing auto insurance from online companies is simple to do and there is a good chance you will probably save money.

Using the web to shop for auto insurance direct can be a challenge if you have never used online rate quotes. Don't let that stop you because there is an easy way to compare rates. Cutting your Dodge RAM 250 insurance cost is actually quite simple. Drivers just need to take a couple of minutes comparing rates online with multiple companies. This can be done by comparing rates here.

Insurance rates for your Dodge RAM 250 will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • Having current coverage saves
  • Whether you own your home

One last important factor that can impact the rate you pay on your Dodge is the year of manufacture. Newer models have a higher value so the payout to repair will push premiums up. On the flip side, newer vehicles may have options like anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system so those may lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your RAM 250 below.

Liability coverage - Dodge RAM 250 liability coverage can cover damage that occurs to other's property or people. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision - This coverage covers damage to your Dodge resulting 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 coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper Dodge RAM 250 insurance rates.

Comprehensive coverage - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, 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 coverage and PIP - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Dodge RAM 250 Insurance Rates?