Compare 1999 Dodge Ram Pickup 2500 Insurance Quotes

Trying to find the cheapest car insurance rates for your Dodge Ram Pickup 2500? Searching for the cheapest insurance for a Dodge Ram Pickup 2500 can be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for car insurance so we’re going to tell you the best way to price shop coverage for a Dodge and get the best price possible either online or from local insurance agents.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Consumers just need to know the proper methods to get comparison rates on the web.

Dodge Ram Pickup 2500 insurance rates are influenced by…

It’s important that you understand some of the elements that help determine auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Dodge has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Occupations such as judges, executives and dentists tend to have the highest average rates because of high stress and long work hours. Other occupations such as actors, historians and performers receive lower rates for Ram pickup coverage.
  • Low deductibles can be expensive – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Dodge. Some instances where coverage would apply are colliding with a building, damage from fire, and windstorm damage. Your deductibles are how much you are required to spend before your auto insurance pays a claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance for Ram pickup coverage.
  • Tickets mean higher rates – Good drivers tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation can increase rates twenty percent or more. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Do you qualify for a multi-policy discount? – Many auto insurance companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Marriage brings a discount – Being married can actually save you money on your auto insurance policy. It means you’re more mature and responsible and it’s proven that being married results in fewer claims.

Free Quotes for Insurance

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You could spend your day talking to insurance companies in your area, or you can stay home and use online quoting to quickly compare rates.

Many companies enroll in a system that allows shoppers to enter their policy data once, and at least one company then returns a price quote. This saves time by eliminating repetitive form submissions to each company.

To use this form to compare 1999 Dodge Ram Pickup 2500 insurance rates click to open in new window.

The one downside to comparing rates this way is you can’t choose the companies to get pricing from. So if you prefer to pick specific insurance companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverage limits on every quote. If each company quotes unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Dodge Ram Pickup 2500.

Companies offer discounts so take them!

Companies offering auto insurance don’t always publicize all their discounts in a way that’s easy to find, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Own a Home – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
  • Student in College – Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Paperwork-free – A few companies give back up to $50 for buying your policy online.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Ram pickup coverage depending on your company.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

For a list of providers who offer insurance coverage discounts, click this link.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether you might need an agent’s assistance.

  • Do I need replacement cost coverage on my 1999 Dodge Ram Pickup 2500?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • Is my camper covered by my car insurance policy?
  • Is my Dodge Ram Pickup 2500 covered if I use it for business?
  • When should I drop full coverage on my 1999 Dodge Ram Pickup 2500?
  • What is PIP insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverages

Having a good grasp of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance 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.

Comprehensive coverage protects against claims such as hitting a bird, a tree branch falling on your vehicle, fire damage, falling objects and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, pain medications, surgery, chiropractic care and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance – This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see 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 insurance covers claims such as medical expenses, medical services, bail bonds, loss of income and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

In conclusion

We just covered some good ideas how to compare 1999 Dodge Ram Pickup 2500 insurance prices online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even discover the best prices are with some of the smallest insurance companies.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at an affordable rate.

Cheap insurance can be found from both online companies and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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