Cheaper 1994 Dodge Ram Pickup 2500 Insurance Rates

Looking for better insurance rates for your Dodge Ram Pickup 2500? Scraping up a payment for overpriced Dodge Ram Pickup 2500 insurance can drain your personal savings and put a big crunch on your finances. Comparing price quotes is a great way to make sure you’re not throwing money away. Insurance companies such as Allstate, Liberty Mutual and State Farm increase brand awareness with TV and radio ads and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Factors that can influence Dodge Ram Pickup 2500 insurance rates

Smart consumers have a good feel for the rating factors that help determine auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that may reward you with better auto insurance rates.

The following are some of the factors auto insurance companies consider when setting rates.

  • One company can mean more discounts – Some insurers provide better rates to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money.
  • Discounts for married couples – Having a spouse can get you a discount on auto insurance. It is viewed as being more responsible and statistics show being married results in fewer claims.
  • Where do you drive? – The more miles you rack up on your Dodge in a year’s time the more you will pay for auto insurance. Almost all companies rate vehicles based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate than those used for commuting. If your policy improperly rates your Ram Pickup 2500 may be wasting your money. Verify your auto insurance policy properly reflects how each vehicle is driven, because it can save money.
  • Are you male or female? – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. They both have accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.

Comparison of Insurance

Finding a better price on insurance is actually quite simple. The only requirement is to take a couple of minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating separate quotes for every insurance company. Filling out one form will return price quotes instantly.

A different way to get comparison quotes requires a trip to the website for every company you want to comare and fill out their own quote form. For examples sake, let’s say you want to compare rates from Nationwide, Allstate and Geico. You would have to visit each site to input your insurance information, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

The least recommended method of comparing rate quotes is to spend your day driving to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional guidance of a local agent. Drivers can get prices online but still have the advice of a local agent.

Whichever way you use, compare apples-to-apples coverage limits and deductibles for every company. If you compare differing limits it’s not possible to determine the lowest rate for your Dodge Ram Pickup 2500.

Save with discounts on 1994 Dodge Ram Pickup 2500 insurance

Companies that sell car insurance do not list every discount in an easy-to-find place, so we researched both the well known as well as the least known auto insurance savings. If they aren’t giving you every credit available, you are throwing money away.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Clubs and Organizations – Being a member of certain professional organizations may earn a discount when buying auto insurance on Ram pickup insurance.
  • Resident Student – Kids in college who are attending college and don’t have a car can receive lower rates.
  • Sign Online – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • No Charge for an Accident – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts until age 25.
  • Auto/Home Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.

Keep in mind that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, auto insurance companies aren’t that generous.

To see a list of providers who offer auto insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out if your insurance needs will benefit from professional help.

  • Am I getting all the discounts available?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving in Canada or Mexico?
  • Why am I required to buy high-risk coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance coverages explained

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1994 Dodge Ram Pickup 2500.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, falling objects and damage from flooding. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills like hospital visits, nursing services, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto liability

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as pain and suffering, emergency aid, attorney fees, bail bonds and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

A tidy conclusion

Budget-conscious 1994 Dodge Ram Pickup 2500 insurance is definitely available online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

We’ve covered many tips how you can shop for insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the lowest rates come from an unexpected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

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