View 1998 Dodge Ram Pickup 2500 Car Insurance Quotes

Trying to find better insurance coverage rates for your Dodge Ram Pickup 2500? Purchasing the most affordable insurance coverage on the internet can be intimidating for consumers new to comparison shopping online. With so many choices of online companies, how can anyone have a chance to compare the different rates to find the cheapest available price?

It’s smart to check insurance coverage prices periodically because insurance rates are rarely the same from one policy term to another. Even if you think you had the best price for Ram pickup insurance on your last policy other companies may now be cheaper. There is too much inaccurate information about insurance coverage on the web, but I’m going to show you some of the best ways to buy insurance coverage cheaper.

Best discounts on 1998 Dodge Ram Pickup 2500 coverage

Car insurance companies do not advertise every discount in a way that’s easy to find, so we break down both the well known and also the lesser-known ways to save on insurance.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Ram pickup insurance depending on your company.
  • College Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • Paperwork-free – Some insurance companies may give you up to $50 just for signing your application on their website.
  • Accident Waiver – Some insurance companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Most only apply to individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of insurers with the best insurance discounts, follow this link.

Tailor your coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help you determine if your situation will benefit from professional help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I wreck a rental car?
  • How can I find cheaper teen driver insurance?
  • Should I have a commercial auto policy?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance 101

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

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

Collision coverage protects against things like rolling your car, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for funeral costs, pain medications, dental work and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability coverages

This provides protection from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover 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 might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, attorney fees, court costs, loss of income and emergency aid. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane, theft and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Save your hard earned cash

Low-cost 1998 Dodge Ram Pickup 2500 insurance is possible online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Drivers switch companies for any number of reasons including lack of trust in their agent, high rates after DUI convictions, extreme rates for teen drivers and questionable increases in premium. Regardless of your reason, choosing a new insurance company can be easier than you think.

In this article, we covered some good ideas how you can lower your insurance rates. It’s most important to understand that the more you quote, the better your comparison will be. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

Much more information about insurance can be found below: