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Dodge Ram Pickup 2500 Insurance Rates

You have lots of choices when insurance shopping for your Dodge vehicle. You can get prices from a local agent or shop online to compare pricing from multiple companies. Buying car insurance online is easy and at the same time you might just save a little.

People who are new to comparison shopping may think purchasing affordable Ram Pickup 2500 insurance is very challenging. When shopping for car insurance there are multiple ways to get quotes and find the best price. The easiest way to find the lowest Ram Pickup 2500 insurance cost is to get quotes online. It is quite easy and can be accomplished by visiting this page.

What factors impact your insurance rates?

Auto insurance rates paid to insure a Dodge Ram Pickup 2500 can vary widely based upon several criteria. Taken into consideration are:

  • The performance level of your Ram Pickup 2500
  • Any accidents you may have
  • Multiple policies can save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • What you do for a living
  • Insurance coverage level
  • Whether you rent or own your home

A final factor that helps determine Ram Pickup 2500 insurance rates is the model year. Older models have a reduced actual cash value in comparison to older models so the costs to repair will push premiums down. Although more recent Dodge vehicles may have a trim level with safety features included like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can provide discounts that lower premiums.

To get a better understanding how much rates will be for your vehicle, select the year of your Ram Pickup 2500 from available model years below.

Liability coverage - Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision - Collision insurance will pay to fix damage to your Dodge from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper Ram Pickup 2500 insurance rates.

Comprehensive coverage - This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Dodge Ram Pickup 2500 comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - This gives you protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states but can be used in place of medical payments coverage.

How Much are Dodge Ram Pickup 2500 Insurance Rates?