Lower Your 2004 Dodge Ram Pickup 2500 Insurance Rates

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. You have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost insurance coverage.

Consumers should take time to do rate comparisons on a regular basis because rates tend to go up over time. If you had the best price on Ram pickup coverage a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to quote online to lower your rates without sacrificing coverage.

Quick Auto Insurance Quotes

Performing a rate comparison can take time and effort if you don’t understand the most efficient way. You could spend your day driving to insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program where insurance shoppers enter their coverage request one time, and every company then gives them pricing based on that information. This prevents consumers from doing quotation requests to every company. To find out how much you can save on auto insurance click here to start a free quote.

One minor caviat to using this type of system is you cannot specify the companies you want to price. If you would rather choose individual companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

However you get your quotes, make absolute certain that you use identical deductibles and coverage limits for each comparison quote. If you enter different liability limits you can’t possibly decipher which rate is best.

Do you qualify for a discount?

Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find insurance coverage savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Homeowners Pay Less – Simply owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates on Ram pickup coverage.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Resident Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Memberships – Belonging to a civic or occupational organization could trigger savings on insurance coverage on Ram pickup coverage.

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies that may offer these discounts are:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts might not be offered in your area.

What coverages do I need?

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Is motorclub coverage worth it?
  • Is a blown tire covered by insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What if I total my 2004 Dodge Ram Pickup 2500 and owe more than it’s worth?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my 2004 Dodge Ram Pickup 2500 covered for smoke damage?
  • What are the financial responsibility laws in my state?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Your Dodge Ram Pickup 2500 insurance rate is a complex equation

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to better insurance rates.

  • Extra add-on coverages are wasting money – There are a lot of extra coverages that you can buy when buying insurance. Things like roadside assistance, towing coverage and motor club memberships are examples of these. They may seem good initially, but if you don’t need them remove them from your policy.
  • Car features impact rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you in the event that you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Careers like lawyers, architects and accountants tend to have higher rates than average in part from stressful work requirements and lengthy work days. On the flip side, professions such as pilots, athletes and performers receive lower rates on Ram pickup coverage.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a fast way to trigger a rate increase. Not only will rates go up, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with your state motor vehicle department.
  • Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. Safer cars result in less severe injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Dodge has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • High numbers of claims are not good – Insurance companies generally give cheaper rates to insureds who file claims infrequently. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your insurance policy is intended to be relied upon for larger claims.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as DWI and reckless driving. Young males tend to get in the most accidents and thus pay the highest rates.

Insurance coverage considerations

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Liability car insurance

Liability coverage protects you from damage or injury you incur to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical services, court costs, emergency aid, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses like EMT expenses, ambulance fees and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for collisions

Collision insurance will pay to fix damage to your Ram Pickup 2500 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, a tree branch falling on your vehicle, a broken windshield and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

More quotes. Lower rates.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

We just covered some good ideas how you can shop for 2004 Dodge Ram Pickup 2500 insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the biggest savings come from some of the lesser-known companies. These companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive and GEICO.

Even more information is available by following these links: