Lower Your 1998 Dodge Ram Pickup 1500 Insurance Quotes

Drivers have many options when trying to find the lowest priced Dodge Ram Pickup 1500 insurance. You can either spend your time driving around trying to get quotes or utilize the internet to get rate quotes.

There is a better way to compare car insurance rates and you need to know the absolute fastest way to get price quotes for a Dodge and obtain the lowest possible price from local insurance agents and online providers.

How to Compare Auto Insurance Costs

Cutting your auto insurance rates can be relatively painless. You just need to spend a few minutes to compare quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

The fastest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate quote forms for each company. A single, simple form will get you rate comparisons from many national carriers. This is perfect if you don’t have a lot of time.

A harder way to get comparison quotes is going to the website for each individual company and complete a new quote form. For examples sake, we’ll pretend you want to compare rates from Liberty Mutual, GEICO and Allstate. You would have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

However you get your quotes, double check that you are using the exact same coverage limits for each price quote. If the quotes have unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Dodge Ram Pickup 1500.

How can 21st Century, Allstate and State Farm save drivers who switch?

Drivers can’t get away from ads that promise big savings by 21st Century, Allstate and State Farm. They all seem to make the same claim about savings if you move to their company.

How do they all say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. For example, a driver they prefer might be profiled as between 25 and 40, is a homeowner, and drives less than 7,500 miles a year. Any driver who matches those parameters is entitled to the best price and therefore will cut their rates substantially.

Consumers who do not match the requirements will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save that much. That is how companies can advertise the way they do.

This emphasizes why it is so important to get as many comparisons as possible. You cannot predict which insurance companies will give you the biggest savings on Dodge Ram Pickup 1500 insurance.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but some must be specially asked for before being credited. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • E-sign – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Accident Free – Good drivers with no accidents can save substantially as compared to accident-prone drivers.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off your medical payments premium.
  • Homeowners Savings – Owning a home can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Safety Course Discount – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Memberships – Belonging to certain professional organizations could qualify you for a break on your policy for Ram pickup coverage.

It’s important to understand that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help reduce your premiums.

To see a list of insurers offering car insurance discounts, click this link.

Insurance agents can help

When choosing proper insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • Does my policy pay for OEM or aftermarket parts?
  • When does my teenage driver need to be added to my policy?
  • Do I need more liability coverage?
  • I don’t drive much so do I pay less?
  • What is roadside assistance coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • I have a DUI can I still get coverage?
  • Why do I need rental car insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Specific coverages for a Dodge Ram Pickup 1500

Having a good grasp of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, scraping a guard rail, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for chiropractic care, rehabilitation expenses, X-ray expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 1500.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles, medical expenses and funeral expenses. How much coverage you buy is your choice, but consider buying higher limits if possible.

You can do this!

Lower-priced 1998 Dodge Ram Pickup 1500 insurance is possible both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and most of the time these smaller companies sell through independent agents.

Consumers switch companies for a variety of reasons including questionable increases in premium, delays in responding to claim requests, denial of a claim and extreme rates for teen drivers. It doesn’t matter what your reason, finding a new auto insurance company is not as difficult as it may seem.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

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