2003 Dodge Ram Pickup 1500 Insurance Quotes

Finding low-cost insurance for a Dodge Ram Pickup 1500 can be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to shop for insurance coverage and we’ll show you the quickest way to compare rates for a Dodge and get the lowest price.

How to Get Insurance Comparison Quotes

Shopping for lower insurance rates can be a lot of work if you aren’t aware of the easiest way. You could waste a few hours discussing policy coverages with agents in your area, or you can utilize online quotes to achieve your goal.

Many popular insurance companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company returns a rated price based on that information. This eliminates the need for quote requests to every company. To get comparison pricing now click here (opens in new window).

One minor caviat to pricing coverage this way is buyers cannot specifically choose which providers you want pricing from. So if you prefer to pick specific insurance companies for rate comparison, we have a listing of low cost insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare exactly the same information for each comparison quote. If you use different liability limits you will not be able to make an equal comparison.

Don’t miss these discounts

Auto insurance companies do not list all their discounts very clearly, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up over the internet.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • No Claims – Drivers with accident-free driving histories can save substantially compared to bad drivers.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.

It’s important to note that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, companies don’t profit that way.

For a list of providers with the best auto insurance discounts, follow this link.

When might I need help?

When it comes to buying the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions might point out if you could use an agent’s help.

  • What is an SR-22 filing?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need higher collision deductibles?
  • Am I covered by my spouse’s policy after a separation?
  • How much liability coverage do I need in my state?
  • Can my babysitter drive my car?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance policy coverages for a Dodge Ram Pickup 1500

Knowing the specifics of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2003 Dodge Ram Pickup 1500.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Liability insurance – This can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, court costs, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage kick in for bills for things like surgery, dental work, funeral costs, prosthetic devices and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Feed the piggy bank

Lower-priced 2003 Dodge Ram Pickup 1500 insurance is available 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 coverage companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, never buy less coverage just to save a little money. In many cases, an insured dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to find the BEST coverage for the lowest price.

Insureds change insurance companies for any number of reasons including lack of trust in their agent, delays in paying claims, policy non-renewal or delays in responding to claim requests. Whatever your reason, finding a great new company can be easy and end up saving you some money.

More resources