Vehicles > Dodge > Ram Pickup 1500

Dodge Ram Pickup 1500 Insurance Rates

Drivers have lots of options when comparing insurance rates on your Dodge vehicle. You can buy direct from an insurance agent or price shop online to compare rates from multiple companies. Comparing auto insurance online is simple to do, plus you may find lower rates.

Using the web to shop for auto insurance direct can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. Finding a better price on auto insurance is not rocket science. Consumers just need to spend a few minutes to compare quotes online with multiple companies. This can be done by comparing rates here.

Rates are determined by these factors

Insurance premiums for your Dodge Ram Pickup 1500 can vary widely subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older Dodge models so the payout to repair can inflate annual premiums. Although newer models have more advanced features included like dual-stage airbags, tire pressure monitors, and blind-spot warning system which can lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Ram Pickup 1500 from the list below.

Liability coverage - Ram Pickup 1500 liability coverage protects you from damage or injury you incur to other's property or people. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverages - This coverage pays for damage to your Dodge resulting from colliding with a stationary object or other vehicle. You will need to pay your 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 lower value vehicles. You can also increase the deductible in order to get cheaper Ram Pickup 1500 insurance rates.

Comprehensive coverage - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Dodge Ram Pickup 1500 Insurance Rates?