How Much Does 1999 Dodge Ram Pickup 1500 Car Insurance Cost?

Trying to find lower auto insurance rates for your Dodge Ram Pickup 1500? Feel like you’re a prisoner to high-priced auto insurance? Believe me when I say many consumers feel financially strained by their auto insurance policy.

Many insurers compete for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute best rates possible.

It’s important to do rate comparisons occasionally because rates are constantly changing. Even if you got the best rates on Ram pickup insurance a couple years back other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to find out the best methods to get good coverage at a lower rate.

Car Insurance Prices

There are multiple methods you can shop for 1999 Dodge Ram Pickup 1500 car insurance but there is one way that is more efficient than others. You can waste a lot of time driving to insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Many insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and at least one company returns a rated price for coverage. This saves time by eliminating quote requests to every company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to pricing coverage this way is you don’t know exactly the insurers to receive prices from. If you would rather choose from a list of companies to receive pricing from, we put together a list of low cost car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage information with every price quote. If you are comparing differing limits it will be very difficult to make a fair comparison for your Dodge Ram Pickup 1500. Quoting even small variations in insurance coverages may cause a big price difference. And when price shopping your coverage, comparing a large number of companies helps locate the best rates.

Discounts are basically free money

Companies offering auto insurance don’t always list all available discounts very well, so the following is a list of some of the more common and also the lesser-known ways to save on auto insurance.

  • Resident Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Accident Free – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Own a Home – Owning a house can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.

Consumers should know that most credits do not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of companies with the best auto insurance discounts, click this link.

Which insurance is the “right” coverage?

When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • Should I bundle my homeowners policy with my auto?
  • Is a blown tire covered by insurance?
  • Do I need more liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is PIP insurance?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Dodge Ram Pickup 1500 insurance premiums are calculated by many factors

It’s important that you understand the factors that play a part in calculating your insurance rates. Knowing what impacts premium levels enables informed choices that can help you get better insurance rates.

Shown below are a few of the “ingredients” insurance companies consider when setting your rates.

  • How credit affects insurance rates – A driver’s credit rating is a big factor in determining what you pay for insurance. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit can use some improvement, you could potentially save money when insuring your 1999 Dodge Ram Pickup 1500 by improving your credit score.
  • Multiple policies with one company can save – Many insurers will give a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to comparison shop to ensure the best deal.
  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Women and men are in accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • How your age affects price – Teenage drivers have a tendency to get distracted easily when driving so insurance rates are higher. Parents adding a teen driver onto your insurance can break the bank. More mature drivers are more responsible, tend to file fewer claims and are safer drivers.
  • Where you live is a factor – Residing in less populated areas can be a good thing when talking about insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire will be a guaranteed way to increase your insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Little extras can really add up – There are a lot of extra coverages you can purchase on your Ram Pickup 1500 policy. Coverages for vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate them to save money.
  • Marriage pays dividends – Having a wife or husband helps lower the price on your insurance policy. It means you’re more mature and it’s proven that being married results in fewer claims.

Save $480 a year. For real?

Insurance companies such as 21st Century, Allstate and State Farm continually stream ads in print and on television. They all seem to have a common claim that you can save after switching to their company. How does each company make almost identical claims?

Different companies have a certain “appetite” for the right customer that makes them money. For instance, a desirable insured could possibly be over the age of 50, owns a home, and has a short commute. A propective insured who fits that profile will get the preferred rates and most likely will pay quite a bit less when switching companies.

Consumers who don’t measure up to these standards will be charged a more expensive rate and this can result in business going elsewhere. The ads state “people who switch” not “everyone that quotes” save that much. That is how companies can truthfully make the claims of big savings. That is why drivers must get as many comparisons as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Car insurance coverages and their meanings

Knowing the specifics of car insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Coverage for collisions

Collision insurance pays for damage to your Ram Pickup 1500 from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, backing into a parked car, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, EMT expenses and funeral costs. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Pickup 1500.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, structural damage, funeral expenses and loss of income. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, damage from a tornado or hurricane, vandalism and hitting a deer. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

A tidy conclusion

Cheap 1999 Dodge Ram Pickup 1500 insurance is possible online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We just showed you some good ideas how to lower your insurance rates. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments than their larger competitors like State Farm, Geico and Nationwide.

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