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Dodge Ram Pickup 1500 Insurance Cost

Comparing car insurance through online rate quotes can be fast and easy, plus you may find lower rates. The most important part is getting rates from as many companies as possible so you can get the lowest rate quotes.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways of comparing rates from different insurance companies. By far the easiest way to find competitive Ram Pickup 1500 insurance rates involves getting comparison quotes online. This can be done by completing this short form.

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Rates are determined by the following

Insurance premiums for your Dodge Ram Pickup 1500 can be significantly different depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Male rates may be higher
  • Low deductibles cost more
  • Crash test rating for your Ram Pickup 1500
  • Your job
  • The level of coverage
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new Dodge models so the payout to repair may result in lower rates. Conversely, newer vehicles have more advanced features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance that may help give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability

This coverage can cover damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision insurance

This coverage covers damage to your Dodge resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Ram Pickup 1500 Insurance Rates?