Save on 2003 Dodge Ram Pickup 2500 Car Insurance Quotes

Locating low-cost insurance for a Dodge Ram Pickup 2500 could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to buy insurance so you’re going to learn the quickest way to compare rates for a Dodge and obtain the best price possible.

Discounts can save BIG

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but a few need to be requested specifically prior to receiving the credit. If you’re not getting every credit available, you are paying more than you should be.

  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% on Ram pickup coverage.
  • Passive Restraints – Vehicles with factory air bags can get savings of 20% or more.

It’s important to note that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of providers with the best insurance coverage discounts, click here to view.

How to Compare Auto Insurance

Performing a rate comparison is a ton of work if you don’t understand the best way to get rate quotes. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use online quoting to quickly compare rates.

Most of the larger companies take part in a program that allows shoppers to send in one quote, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for. To fill out one form to compare multiple rates now click to open in new window.

The only downside to getting quotes like this is you don’t know exactly which companies to receive prices from. So if you want to select specific insurance companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, ensure you are comparing identical coverage limits and deductibles for each comparison quote. If the quotes have different values for each quote you can’t possibly determine the lowest rate for your Dodge Ram Pickup 2500.

Dodge Ram Pickup 2500 insurance rates consist of many parts

Smart consumers have a good feel for the rating factors that help determine your insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with lower insurance coverage prices.

  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Dodge has ratings of a minimum four stars on you are probably receiving a discount.
  • Don’t cancel a policy without a new one in place – Not having insurance is against the law and insurance coverage companies will penalize you for letting your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance might get you a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Pleasure use saves money – Driving more miles in a year the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Having the wrong rating on your Ram Pickup 2500 can cost quite a bit. Double check that your insurance coverage coverage is showing the proper vehicle usage.
  • Do you qualify for a multi-policy discount? – Many companies give discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible.
  • Theft deterrents lower rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Sex matters – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men are in accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high insurance coverage rates.
  • Older drivers pay less – Older insureds are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to be less responsible when behind the wheel and because of this, their insurance coverage rates are much higher.
  • Small claims can cost you – Auto insurance companies give cheaper rates to people who are claim-free. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Will just any policy work for me?

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining whether your personal situation may require specific advice.

  • Should I have combined single limit or split liability limits?
  • How much liability coverage do I need in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is a blown tire covered by insurance?
  • Do I have coverage if my license is suspended?
  • Can I make deliveries for my home business?
  • What is high-risk coverage and where do I buy it?
  • Is a new car covered when I drive it off the dealer lot?
  • Exactly who is provided coverage by my policy?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Specific coverage details

Having a good grasp of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like dental work, ambulance fees and EMT expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This will cover injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people, and 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. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as legal defense fees, repair bills for other people’s vehicles, medical services, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, hail damage and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This coverage pays for damage to your Ram Pickup 2500 resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Money doesn’t grow on trees

Cost effective 2003 Dodge Ram Pickup 2500 insurance can be sourced online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, you should never reduce needed coverages to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price.

You just read a lot of tips how to save on insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a small local company.

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