Save on 2008 Dodge Ram Pickup 1500 Insurance Rates

Nobody enjoys paying for insurance, particularly when the cost is way too high.

With consumers having so many insurance companies to choose from, it can be diffult for consumers to find the lowest price insurance company.

Don’t overlook these discounts

Companies offering auto insurance do not list every discount very well, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using.

  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Driver Safety – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • No Claims – Drivers who don’t have accidents can save substantially compared to drivers who are more careless.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Ram pickup coverage than their less cautious counterparts.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.

Drivers should understand that many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

Insurance companies that may offer these discounts are:

Before buying, ask every prospective company which discounts you may be entitled to. Savings might not apply in your area.

How to Compare Car Insurance Quotes

When shopping for car insurance there are multiple ways of comparing rate quotes from car insurance companies in your area. The simplest method to find the lowest 2008 Dodge Ram Pickup 1500 rates is to use the internet to compare rates. This can be accomplished in a couple of different ways.

  1. The fastest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating repetitive form entry for each company you want a rate for. In just a few minutes this one form gets you price quotes direct from many companies.
  2. A slightly less efficient method to obtain and compare quotes online consists of visiting each individual company website and complete a new quote form. For instance, we’ll assume you want to compare Allstate, Progressive and American Family. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming way of comparing rate quotes is driving around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed agents. Drivers can comparison shop your insurance online and still use a local agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just make sure you use exactly the same coverage limits with each company. If you are comparing different deductibles it’s impossible to determine the lowest rate for your Dodge Ram Pickup 1500. Just a small difference in limits may result in large price differences. And when quoting car insurance, remember that having more price comparisons helps locate a better price.

Dodge Ram Pickup 1500 rates are in the details

An important part of buying insurance is that you know some of the elements that help determine your insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with better insurance rates.

The following are some of the items insurance companies consider when setting rates.

  • Lower miles equals lower premium – The more miles you rack up on your Dodge in a year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. Ask your agent if your insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Ram Pickup 1500 may be costing you.
  • Mature drivers pay less – Teen drivers are statistically proven to be less responsible behind the wheel so they pay higher insurance rates. Having to add a teen driver onto your insurance can be quite pricey. Older drivers tend to be more responsible, file fewer claims and get fewer tickets.
  • Where you live – Residing in less populated areas has it’s advantages when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. City drivers regularly have congested traffic and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you. If your Dodge Ram Pickup 1500 scored better than four stars on you are probably receiving a discount.

Is my situation unique?

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs might need professional guidance.

  • Why am I required to buy liability insurance?
  • Which is better, split liability limits or combined limits?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I bundle my homeowners policy with my auto?
  • Does insurance cover damages from a DUI accident?
  • Is business property covered if stolen from my car?
  • Do I need roadside assistance coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered if I crash into my own garage door?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage breakdown

Learning about specific coverages of a insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, X-ray expenses, surgery, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage pays for 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 coverage protects against things such as a broken windshield, vandalism, falling objects and fire damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people. 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 commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, medical expenses and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Collision insurance

This pays for damage to your Ram Pickup 1500 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Better coverage you can count on

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. In many instances, someone dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Discount 2008 Dodge Ram Pickup 1500 insurance can be bought online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

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