Save on 2002 Dodge Ram Pickup 2500 Car Insurance Quotes

Paying for high-priced Dodge Ram Pickup 2500 insurance can take a big chunk out of your savings account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

You have so many insurance companies to choose from, and although it’s nice to have multiple companies, lots of choices makes it harder to adequately compare rates.

Pieces of the Dodge Ram Pickup 2500 insurance rate puzzle

It’s important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to better auto insurance rates.

Rates may be lower depending on your job – Careers like doctors, architects and accountants have higher rates than average due to high stress and lengthy work days. On the flip side, jobs such as pilots, athletes and the unemployed get better rates for Ram pickup coverage.
Drive a safer car and pay less – Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If the Dodge Ram Pickup 2500 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Protect your assets with liability insurance – Liability insurance will protect you when a court rules you are at fault for damages from an accident. It provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
Being married is a good thing – Getting married can actually save you money on auto insurance. Having a spouse is viewed as being more mature and statistics show married drivers get in fewer accidents.
Small claims can cost you – Companies generally give better rates to policyholders who are claim-free. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
Better credit means lower rates – Your credit score is a big factor in your rate calculation. People with good credit tend to be more responsible than drivers with poor credit. Therefore, if your credit rating is low, you could potentially save money when insuring your 2002 Dodge Ram Pickup 2500 by improving your credit score.
Cautious drivers pay less – Good drivers have lower premiums than their less careful counterparts. Just one speeding ticket can increase rates by as much as thirty percent. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.

The quickest method we recommend to compare rate quotes is to know the fact most larger insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide a little information such as if a SR-22 is required, the ages of drivers, whether you drive to work or school, and your job. That rating information is then submitted to many highly-rated insurers and you should receive rate quotes immediately.

To find the cheapest 2002 Dodge Ram Pickup 2500 insurance rates, click here and find out if you can get cheaper insurance.

Can you really save that much by switching?

State Farm and Allstate continually stream ads on television and other media. All the companies have a common claim of big savings after switching your policy. How do they all claim to save you money?

All companies have a certain “appetite” for the type of driver that is profitable for them. A good example of a driver they prefer might be profiled as over the age of 50, owns a home, and chooses high deductibles. Any new insured who fits that profile receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t meet these standards will be quoted higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can truthfully make the claims of big savings.

This emphasizes why you need to get a wide range of price quotes. It’s impossible to know the company that will provide you with the cheapest Dodge Ram Pickup 2500 insurance rates.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Some discounts apply automatically at quote time, but less common discounts must be asked about before you get the savings.

Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
Accident Free – Drivers who don’t have accidents pay less compared to drivers who are more careless.
Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
Accident Waiver – A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Ram pickup coverage than drivers with accidents.

It’s important to note that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, it just doesn’t work that way. But all discounts will bring down the amount you have to pay.

A partial list of companies that may have these discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts might not be offered in your area.

What coverages do I need?

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

Are my friends covered when driving my car?
Does liability extend to a camper or trailer?
Do I need replacement cost coverage?
Is extra glass coverage worth it?
Do I need added coverage for expensive stereo equipment?
Can my teen driver be rated on a liability-only vehicle?
Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Learn about car insurance coverages for a 2002 Dodge Ram Pickup 2500

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage – This can cover injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as funeral expenses, loss of income, bail bonds, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance – Med pay and PIP coverage provide coverage for expenses for things like funeral costs, doctor visits and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, hitting a deer, theft and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are too many instances where an accident victim reduced collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We just presented a lot of information how to lower your 2002 Dodge Ram Pickup 2500 insurance rates. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.

Low-cost insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.