Save on 1995 Dodge Ram Pickup 2500 Car Insurance Rates

Looking for cheaper auto insurance rates for your Dodge Ram Pickup 2500? No one cherishes buying auto insurance, particularly when the cost is too high.

Online insurance companies like State Farm, Geico and Farmers Insurance all promote huge savings with ads and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Buying car insurance is easy if you know what you’re doing. Although car owners must know how insurance companies sell insurance online and apply this information to your search.

Comprehensive Insurance Coverage Comparison

The are a couple different ways to compare rate quotes from local insurance coverage companies. By far the easiest way to find the cheapest 1995 Dodge Ram Pickup 2500 insurance rates consists of shopping online. This can be done using a couple different methods.

One of the simplest ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form keeps you from doing repetitive form submissions for each company. Taking the time to complete one form will return quotes from many national carriers.
A different way to compare prices consists of going to the website for every company you want to comare to complete a price quote. For examples sake, we’ll assume you want rates from Allstate, Safeco and State Farm. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method.
For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make absolute certain that you use the exact same deductibles and coverage limits for every company. If each company quotes different liability limits then you won’t be able to determine the lowest rate for your Dodge Ram Pickup 2500. Having just a slight variation in limits may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies helps locate a lower rate.

Discounts are available to cut your rates

Companies that sell car insurance don’t always list every available discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known insurance coverage savings.

Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
One Accident Forgiven – Certain companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
Student in College – Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
Paperless Signup – Certain companies may give you up to $50 for buying your policy digitally online.
Low Mileage Discounts – Low mileage vehicles can qualify you for a substantially lower rate.
Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.

Keep in mind that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

A partial list of companies that possibly offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Savings might not apply in your area.

Everyone needs different coverages

When choosing the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

What should my uninsured motorist coverage limits be in my state?
Why am I required to get a high-risk car insurance policy?
Can I rate high risk drivers on liability-only vehicles?
How does medical payments coverage work?
Do I need PIP (personal injury protection) coverage in my state?
Am I getting all the discounts available?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Insurance coverage specifics

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Coverage for collisions

Collision coverage pays for damage to your Ram Pickup 2500 resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like ambulance fees, doctor visits, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverages

This coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair costs for stationary objects, medical expenses and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 2500.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, hitting a bird, a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.