Cheaper 1996 Dodge Ram Pickup 1500 Car Insurance Cost

Searching for the cheapest insurance coverage rates for your Dodge Ram Pickup 1500? Locating the cheapest insurance for a Dodge Ram Pickup 1500 could be a lot of work, but you can learn these tips to save time. There are more efficient ways to compare insurance coverage rates so you’re going to learn the best way to price shop coverage for a Dodge and get the best price possible from both online companies and local agents.

These discounts can slash insurance rates

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we break down both well-publicized as well as the least known insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Ram pickup insurance depending on your company.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up over the internet.
  • Homeowners Discount – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • No Claims – Good drivers with no accidents pay much less when compared to bad drivers.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.

Consumers should know that some credits don’t apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of providers who offer insurance discounts, follow this link.

When might I need the advice of an agent?

When buying coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether or not you will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Am I insured when driving a different vehicle?
  • Are rock chip repairs covered?
  • Is my camper covered by my car insurance policy?
  • Where can I get insurance after a DUI in my state?
  • Should I buy only the required minimum liability coverage?
  • Should I put collision coverage on all my vehicles?
  • Do I need rental car coverage?
  • What is the minimum liability in my state?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages 101

Knowing the specifics of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability

This coverage can cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a broken windshield and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage will pay to fix damage to your Ram Pickup 1500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, ambulance fees, rehabilitation expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1996 Dodge Ram Pickup 1500.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Keep this in mind

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There are too many instances where drivers have reduced liability coverage limits only to find out that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at an affordable rate.

We’ve covered some good ideas how to lower your 1996 Dodge Ram Pickup 1500 insurance rates. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Drivers change insurance companies for many reasons like not issuing a premium refund, high rates after DUI convictions, delays in paying claims or unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is less work than it seems.

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