Save on 1996 Dodge Ram Pickup 1500 Insurance Quotes

Searching for better insurance rates for your Dodge Ram Pickup 1500? Locating better insurance prices for a Dodge Ram Pickup 1500 could be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to compare insurance rates so you’re going to learn the proper way to get price quotes on a Dodge and get the lowest price either online or from local insurance agents.

How to Compare Car Insurance Quotes

Finding cheaper 1996 Dodge Ram Pickup 1500 car insurance prices is not rocket science. All you need to do is take a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. One of the simplest ways to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method eliminates the need for boring form submissions to each individual car insurance company. Completing one form will get you price quotes from multiple companies. This is by far the quickest method.
  2. A slightly less efficient method to get comparison quotes requires a trip to the website of each company to complete a price quote. For instance, let’s say you want to compare rates from State Farm, Geico and Allstate. To find out each rate you need to spend time on each company’s site 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 hardest way of comparing rate quotes is to spend your day driving to local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you want the professional guidance of a licensed agent. However, consumers can price shop your coverage online and get advice from an agent in your area and we’ll touch on that later.

Whichever method you choose, ensure you are comparing exactly the same deductibles and coverage limits with every price quote. If you are comparing different deductibles it will be next to impossible to make an equal comparison.

How to reduce Dodge Ram Pickup 1500 insurance rates

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specially asked for before you get the savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Ram pickup coverage than their less cautious counterparts.
  • Accident Forgiveness – A handful of insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Paperless Signup – A handful of insurance companies may give you up to $50 simply for signing online.
  • Drive Less and Save – Fewer annual miles on your Dodge could be rewarded with a substantially lower rate.
  • No Accidents – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
  • Auto/Home Discount – If you have multiple policies with one company you may save 10% to 20% off each policy.
  • Student Driver Training – Have your child take driver’s ed class if it’s offered in school.

It’s important to note that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free insurance policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your overall premium however.

A partial list of companies that possibly offer these discounts may include but are not limited to:

Check with each company which discounts they offer. All car insurance discounts may not be available in every state.

Tailor your coverage to you

When choosing coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • Is a fancy paint job covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I break a side mirror?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a 1996 Dodge Ram Pickup 1500

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like hospital visits, ambulance fees and nursing services. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance pays for damage to your Ram Pickup 1500 resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Ram Pickup 1500.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid and medical services. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, falling objects, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.