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Dodge RAM 250 Insurance Rates

Buying car insurance from online companies is easy and at the same time you may find lower rates. The key is to get as many rate quotes as possible in order to accurately compare the lowest prices.

People who are new to comparison shopping may think finding cheap Dodge RAM 250 insurance can be quite difficult. The are a couple different ways to compare rate quotes from car insurance companies in your area. The easiest way to find the cheapest Dodge RAM 250 insurance cost is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

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What factors impact Dodge RAM 250 insurance quotes?

Insurance premiums for a Dodge RAM 250 can fluctuate considerably based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • The deductible you choose
  • Your vehicle's safety rating
  • Your job
  • The amount of protection requested
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new Dodge models so repair costs tend to be lower which will push premiums down. But new Dodge models have more advanced features including anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage - Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision - Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder. Dodge RAM 250 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.

How Much are Dodge RAM 250 Insurance Rates?