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Dodge RAM 150 Insurance Rates

Drivers have lots of options when buying insurance for your Dodge vehicle. You can either buy through your neighborhood insurance agent or shop online to compare insurance costs of multiple insurance companies. Finding cheaper car insurance on the web is easy, plus you will probably save money.

Consumers who are new to the process of buying insurance may think shopping for cut-rate Dodge RAM 150 insurance is not very easy. To find the best car insurance prices, there are several ways to get quotes and find the best price. The recommended way to find the cheapest Dodge RAM 150 insurance cost is to perform an online rate comparison. This can be done by getting a quick quote here.

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Insurance rates for your Dodge RAM 150 can be significantly different based upon several criteria. Including but not limited to:

  • The performance level of your RAM 150
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Being married may save money
  • Add-on coverages such as rental reimbursement
  • Your profession
  • Insurance coverage level
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Dodge is the year of manufacture. Models that are a few years old have a lower value so the payout to repair will push premiums down. Although more recent Dodge vehicles may have options included like tire pressure monitors, active head restraints, and pedestrian detection that may help help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your RAM 150 from the list below.

Liability car insurance - Liability insurance will cover damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision coverage - This will pay to fix damage to your Dodge resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper Dodge RAM 150 insurance rates.

Comprehensive car insurance - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.

How Much are Dodge RAM 150 Insurance Rates?