View 1997 Dodge Ram Pickup 2500 Insurance Quotes

Searching for better insurance coverage rates for your Dodge Ram Pickup 2500? Locating better insurance prices for a Dodge Ram Pickup 2500 could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the best way to get price quotes for a Dodge and obtain the cheapest rates.

Finding the best auto insurance coverage is easy if you know what you’re doing. If you are insured now or need a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to understand the best way to compare price quotes online.

Cut your insurance rates with discounts

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but a few must be specially asked for prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Claim Free – Claim-free drivers pay less when compared with bad drivers.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Ram pickup coverage with select insurance companies.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
  • Multiple Policy Discount – When you have multiple policies with the same company you will save approximately 10% to 15%.
  • Senior Citizens – Older drivers may qualify for a small decrease in premiums for Ram pickup coverage.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last up to age 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will help reduce your premiums.

A partial list of companies who might offer some of the above discounts are:

Before buying, ask all companies you are considering how you can save money. Some discounts might not apply everywhere.

You are unique and your auto insurance should be too

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different.

These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Is extra glass coverage worth it?
  • Will my rates increase for filing one claim?
  • How do I buy GAP insurance?
  • Can my teen drive my company car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my cargo covered for damage or theft?
  • Is my teenager covered with friends in the car?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Dodge Ram Pickup 2500.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Coverage for liability

This coverage protects you from damage that occurs to other people or property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like structural damage, medical expenses, repair bills for other people’s vehicles, court costs and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, falling objects, damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This will pay to fix damage to your Ram Pickup 2500 from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, colliding with another moving vehicle, scraping a guard rail, rolling your car and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for things like rehabilitation expenses, pain medications, X-ray expenses, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Quote more, save more

Cheaper 1997 Dodge Ram Pickup 2500 insurance is possible from both online companies and with local insurance agents, so compare prices from both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

When shopping online for insurance, it’s a bad idea to buy less coverage just to save a little money. In many instances, someone sacrificed collision coverage and found out when filing a claim that it was a big mistake. Your aim should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Drivers change insurance companies for a number of reasons such as denial of a claim, an unsatisfactory settlement offer, questionable increases in premium or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new insurance company is not as hard as you think.

Additional detailed information can be found in these articles: