How Much Does 2001 Dodge Ram Pickup 2500 Insurance Cost?

Trying to find low-cost insurance for a new or used Dodge Ram Pickup 2500 can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to save time.

There are both good and bad ways to buy auto insurance and you need to know the absolute fastest way to compare rates for your Dodge and locate the best price possible either online or from local insurance agents.

You should make it a habit to price shop coverage once or twice a year because insurance rates change regularly. Just because you had the best rates for Ram pickup coverage on your last policy other companies may now be cheaper. Don’t believe everything you read about auto insurance online, so I’m going to show you some guaranteed methods to stop overpaying for insurance.

The best way to compare policy rates is to know the fact almost all companies participate in a system to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details such as how much school you completed, if you lease or own, how many miles driven, and coverage limits. That rating information is then submitted to all major companies and they return rate quotes immediately.

Why your Dodge Ram Pickup 2500 insurance rates may be high

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Never go without insurance – Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • One company can mean more discounts – The majority of companies will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible. Consumers may find a better deal by buying car insurance from a different company.
  • Discounts for married couples – Being married actually saves money on your car insurance policy. Marriage translates into being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you. If your Dodge Ram Pickup 2500 is rated at least four stars on it is probably cheaper to insure.
  • How your age affects price – Young drivers tend to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.

Lower rates by qualifying for discounts

Car insurance is not cheap, but there are discounts available to help bring down the price. Some trigger automatically when you purchase, but some may not be applied and must be inquired about prior to getting the savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Student in College – Children living away from home attending college and do not have a car may qualify for this discount.
  • Save over 55 – Older drivers may qualify for reduced rates for Ram pickup coverage.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Ram pickup coverage than drivers with accidents.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Ram pickup coverage with a few auto insurance companies.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill if you qualify.

Keep in mind that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will reduce your overall premium however.

For a list of insurance companies with the best auto insurance discounts, click here to view.

Car insurance is unique, just like you

When buying coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Is pleasure use cheaper than using my 2001 Dodge Ram Pickup 2500 to commute?
  • Am I covered when driving someone else’s vehicle?
  • Does my 2001 Dodge Ram Pickup 2500 qualify for pleasure use?
  • Do I need special endorsements for business use of my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • When do I need to add a new car to my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance policy specifics

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, a broken windshield, falling objects and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

This can cover injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, pain and suffering and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 2500.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Collision insurance

Collision insurance will pay to fix damage to your Ram Pickup 2500 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 insurance covers claims like crashing into a building, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like funeral costs, rehabilitation expenses, hospital visits and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

More quotes. Lower rates.

People switch companies for a number of reasons such as an unsatisfactory settlement offer, policy non-renewal, not issuing a premium refund and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.

The cheapest 2001 Dodge Ram Pickup 2500 insurance can be purchased both online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

You just learned a lot of techniques to reduce insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies.

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