Cheaper 2009 Dodge Ram Pickup 1500 Insurance Rates

Trying to find better auto insurance rates for your Dodge Ram Pickup 1500? Scraping up a payment for overpriced Dodge Ram Pickup 1500 insurance can drain your personal savings and put the squeeze on your family’s finances. Doing a price comparison is a great way to cut your insurance bill.

Big companies like Geico, 21st Century and Progressive all claim big savings with fancy advertisements and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

Comparison of Car Insurance

There are a variety of methods to shop for 2009 Dodge Ram Pickup 1500 car insurance, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Most car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and each participating company provides a quote based on that information. This saves time by eliminating quotation requests for each company you want a rate for.

To compare 2009 Dodge Ram Pickup 1500 rates using this form now click here (opens in new window).

The one downside to comparing rates this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to choose individual companies to compare rates, we have assembled a list of car insurance companies in your area. Click here to view list.

Whichever way you use, ensure you’re using the exact same information on every quote you get. If your comparisons have differing limits it’s impossible to find the best deal for your Dodge Ram Pickup 1500. Having just a slight variation in coverage limits could mean much higher rates. It’s important to know that comparing a large number of companies will increase your chances of finding the best offered rates.

Don’t assume everyone needs the same coverage

When it comes to buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can help discover whether your personal situation could use an agent’s help.

Why do I need rental car insurance?
When should I not file a claim?
Do I need special endorsements for business use of my vehicle?
How does medical payments coverage work?
What exactly is covered by my policy?
Am I better off with higher deductibles on my 2009 Dodge Ram Pickup 1500?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

What insurance coverages do you need?

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2009 Dodge Ram Pickup 1500.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, hospital visits, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverage

This coverage covers damage to your Ram Pickup 1500 from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, rolling your car, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

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

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from flooding and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, court costs, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.