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Dodge Ram 50 Pickup Insurance Rates

Finding cheaper car insurance by quoting online is simple to do, plus you can save money. The critical component is to get rates from as many companies as possible so you can compare the cheapest rate quotes.

Finding the best direct price on car insurance can be difficult if you have never used online quoting. Don't let that stop you because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The recommended way to find the lowest Ram 50 Pickup insurance cost is to perform an online rate comparison. This can be done by visiting this page.

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Car insurance premiums for your Dodge Ram 50 Pickup can fluctuate considerably subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Men typically pay more than women
  • Higher deductibles save money
  • Crash test rating for your Ram 50 Pickup
  • Your occupation
  • The amount of protection requested
  • Home ownership saves money

An additional factor which can affect Ram 50 Pickup insurance rates is the year of the vehicle. Models that are a few years old have a lower value than newer models so the payout to repair can decrease annual premiums. But more recent Dodge vehicles may have safety features including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which may provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages - Ram 50 Pickup liability coverage will cover damage or injury you incur to other's property or people that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your Dodge resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Dodge Ram 50 Pickup Insurance Rates?