Want the cheapest car insurance rates for your Dodge Ram Pickup 1500? Sick and tired of scraping the payment together to insure your Dodge every month? You’re in the same situation as millions of other consumers.
With consumers having so many different company options, it’s nearly impossible to locate the cheapest insurance company.
It’s a good idea to do rate comparisons occasionally because insurance rates fluctuate regularly. Even if you got the best deal on Ram pickup insurance two years ago you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to learn the things you must know in order to find the best coverage while lowering your premiums.
The purpose of this post is to teach you how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. But consumers need to have an understanding of how insurance companies market insurance on the web and use this information to your advantage.
There are a lot of ways to compare insurance coverage quotes, but some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize the internet to get the quickest rates.
The majority of car insurance companies participate in an industry program that enables customers to submit their information once, and every company then returns a price quote based on that data. This saves time by eliminating repetitive form submissions for each company. To compare 2010 Dodge Ram Pickup 1500 rates now click here to open in new window.
The only downside to getting quotes like this is you don’t know exactly the insurers you want to price. If you wish to select individual companies to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.
Which method you use is up to you, but ensure you’re using exactly the same coverage limits and deductibles for each comparison quote. If the quotes have higher or lower deductibles it’s not possible to determine the best price for your Dodge Ram Pickup 1500. Having just a slight variation in limits may cause a big price difference. Keep in mind that comparing a large number of companies helps locate the best rates.
Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at the time of quoting, but some must be asked about in order for you to get them.
It’s important to note that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.
Insurance companies that possibly offer these discounts include:
Check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.
When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. For example, these questions might point out whether you could use an agent’s help.
If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.
This coverage will pay to fix damage to your Ram Pickup 1500 from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as backing into a parked car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.
Coverage for medical payments and/or PIP kick in for bills for things like hospital visits, doctor visits and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverage protects you from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims like legal defense fees, pain and suffering, court costs, loss of income and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as damage from a tornado or hurricane, damage from getting keyed, falling objects and fire damage. The most 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 consider dropping full coverage.
Your UM/UIM 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 Dodge Ram Pickup 1500.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.