2007 Dodge Ram Pickup 2500 Insurance Cost

Trying to find cheaper car insurance rates for your Dodge Ram Pickup 2500? Searching for cheaper insurance for a Dodge Ram Pickup 2500 could be difficult, but you can learn the following methods to save time. There are both good and bad ways to buy car insurance so we’re going to tell you the best way to quote coverages on a Dodge and obtain the lowest possible price either online or from local insurance agents.

Some factors that can determine what Dodge Ram Pickup 2500 insurance costs

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower car insurance prices.

  • Being married is a good thing – Getting married helps lower the price on your car insurance policy. Having a spouse is viewed as being more mature and responsible and statistics show being married results in fewer claims.
  • More people means more accidents – Residing in a small town has it’s advantages when buying car insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. City drivers tend to have congested traffic and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Discounts for multiple policies – Most insurers give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to shop around to confirm you are receiving the best rates possible.
  • Sex matters – Statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Women and men are in accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Rates may be lower depending on your job – Occupations like lawyers, executives and dentists are shown to have the highest average rates due to high stress and long work hours. Other professions such as pilots, historians and retirees pay the least for Ram pickup coverage.
  • Safer cars are cheaper to insure – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts passed on to you as lower rates. If your Dodge Ram Pickup 2500 scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Never let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to bump up your car insurance costs. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state department of motor vehicles.

Finding Insurance

All the larger insurance companies such as 21st Century, Allstate and State Farm allow you to get coverage price quotes on the web. The process is pretty easy as you simply type in your coverage preferences as detailed in the form. Upon sending the form, the system requests information on your driving record and credit history and generates a price based on these and other factors.

Quoting online simplifies rate comparisons, but the work required to visit different websites and type in the same information is repetitive and time-consuming. But it is imperative to perform this step in order to get the lowest possible prices on insurance.

There is a better way to compare rates

A more efficient way to locate the lowest prices utilizes a single form to get prices from a lot of companies. The form is fast, reduces the work, and makes price shopping online much more efficient. After your information is entered, it gets priced and you can select any one of the quotes that you receive. If you find a better price you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly get comparison pricing now, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you input your coverages identical to your current policy. Using the same limits helps guarantee you will receive comparison quotes using the exact same coverages.

Don’t be fooled by advertising claims

Drivers get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you change to them.

But how can every company say the same thing?

All companies have a certain “appetite” for the driver that is profitable for them. For instance, a profitable customer could be over the age of 40, has no tickets, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and as a result will probably cut their rates substantially.

Consumers who fall outside the requirements will be quoted a more expensive rate and this can result in the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That is how companies can claim big savings. This emphasizes why you need to compare as many rates as you can. It’s not possible to predict which insurance company will have the lowest Dodge Ram Pickup 2500 insurance rates.

Don’t pay full price with these discounts

Companies that sell car insurance don’t list all available discounts in an easy-to-find place, so here is a list some of the best known as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Discount for Swiching Early – Select companies give a discount for signing up before your current policy expires. The savings is around 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Good Student Discount – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
  • Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for Ram pickup coverage than their less cautious counterparts.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Ram pickup coverage with certain companies.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of providers offering auto insurance discounts, click here to view.

Your personal situation dictates your coverage

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • What is the ISO rating for a 2007 Dodge Ram Pickup 2500?
  • What is no-fault insurance?
  • Is extra glass coverage worth it?
  • How can I force my company to pay a claim?
  • I don’t drive much so do I pay less?
  • Is upholstery damage covered by car insurance?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, EMT expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2007 Dodge Ram Pickup 2500.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This coverage covers damage to your Ram Pickup 2500 caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, hitting a parking meter, scraping a guard rail, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, a tree branch falling on your vehicle, fire damage, damage from flooding and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, court costs, medical services and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Get your money’s worth

We just presented quite a bit of information on how to reduce 2007 Dodge Ram Pickup 2500 insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, drivers have reduced physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Insureds change insurance companies for any number of reasons including poor customer service, policy cancellation, lack of trust in their agent or even high rates after DUI convictions. Whatever your reason, finding a new auto insurance company is easier than you think.

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