Cheaper 2010 Dodge Ram Pickup 2500 Car Insurance Cost

Shoppers have lots of choices when shopping for affordable Dodge Ram Pickup 2500 insurance. You can either waste hours contacting agents to compare prices or save time using the internet to get rate quotes.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the quickest way to compare rates for a Dodge and locate the cheapest rates.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. A few discounts will automatically apply at quote time, but some may not be applied and must be requested specifically prior to getting the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Own a Home – Being a homeowner can help you save on car insurance because of the fact that having a home requires personal responsibility.
  • Memberships – Belonging to certain professional organizations is a good way to get lower rates on your policy on Ram pickup coverage.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Ram pickup coverage with a few car insurance companies.
  • Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. Any amount of discount will help reduce the cost of coverage.

A partial list of companies that may offer these discounts are:

Double check with each insurance company which discounts you may be entitled to. Discounts may not be available in every state.

How to Compare Insurance Rates

All major insurance companies provide insurance quotes online. Getting online quotes is quite easy as you simply type in your personal and coverage information as requested by the quote form. After you complete the form, the system collects your driving and credit reports and provides a quote based on these factors.

This streamlines rate comparisons, but having to visit several different sites and type in the same information is not the best way to spend an afternoon. But it’s very important to perform this step in order to find the lowest insurance rates.

The quickest way to compare insurance pricing is to use a quote form that gets price quotes from many companies. It’s a real time-saver, requires less work, and makes rate comparisons much simpler. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process can be completed in less than 10 minutes and can result in significant savings.

To compare rates now, click here and begin entering your coverage information. To compare your current rates, we recommend you duplicate the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will have a rate comparison based on identical coverages.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Am I covered if I hit a deer?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my trailer covered?
  • Is my teen driver covered when they drive my company car?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2010 Dodge Ram Pickup 2500.

Due to the fact that 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 very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

This 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 insurance covers claims like vandalism, hail damage, hitting a bird, damage from getting keyed and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This coverage pays for damage to your Ram Pickup 2500 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.


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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid and medical services. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses like dental work, prosthetic devices, chiropractic care and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

One last thing about your coverage

Throughout this article, we presented many tips how you can save on 2010 Dodge Ram Pickup 2500 insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best prices are with the least-expected company.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Insureds leave their current company for any number of reasons including policy cancellation, delays in responding to claim requests, being labeled a high risk driver and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new auto insurance company can be easy and end up saving you some money.

More tips and info about auto insurance is located by following these links: