1998 Dodge Ram Pickup 1500 Car Insurance Quotes

Are you tired of scraping the payment together to insure your Dodge every month? You’re in the same situation as many other drivers. Consumers have many insurers to pick from, and even though it’s nice to have multiple companies, so many choices can make it hard to find the best rates for your vehicles.

Consumers need to do rate comparisons before your policy renews since rates trend upward over time. Even if you think you had the best price for Ram pickup coverage a few years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance online, so with this article, you’re going to get a lot of great tips on how to stop overpaying for insurance.

This information will let you in on how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Drivers only need to know the proper methods to compare rates online.

Finding Car Insurance Deals

There are a lot of ways to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You could waste a few hours talking about coverages with agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many companies participate in an industry program where insurance shoppers complete one form, and each participating company can provide price quotes based on that information. This system prevents you from having to do repetitive form submissions to each company.

To submit your quote information now, click here to start a free quote.

The only downside to doing it this way is you don’t know exactly which insurance companies you want pricing from. If you wish to select individual companies to compare, we have a page of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage limits for each comparison quote. If you use differing limits then you won’t be able to make a fair comparison for your Dodge Ram Pickup 1500.

Save on 1998 Dodge Ram Pickup 1500 insurance

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Most are applied when you complete an application, but some must be asked about before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Defensive Driving Course – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Senior Discount – Older drivers may be able to get better auto insurance rates for Ram pickup coverage.
  • Memberships – Affiliation with a qualifying organization could qualify you for a break on auto insurance for Ram pickup coverage.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Ram pickup coverage with a few auto insurance companies.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Homeowners Savings – Owning a house can save you money due to the fact that maintaining a home shows financial diligence.

It’s important to note that many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies who might offer these money-saving discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Discounts may not be available in your area.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

  • How can I find cheaper teen driver insurance?
  • Can I get a multi-policy discount?
  • Is a blown tire covered by insurance?
  • Am I covered if I hit a deer?
  • Are split liability limits better than a combined single limit?
  • Is motorclub coverage worth it?
  • What is no-fault insurance?

If you don’t know the answers to these questions, you may need to chat with 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. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Liability coverages

This coverage can cover damage that occurs to other people or property. It protects you from legal claims by others, and doesn’t 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. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like court costs, legal defense fees, medical services, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, falling objects and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This coverage will pay to fix damage to your Ram Pickup 1500 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, rolling your car, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage kick in for expenses for things like rehabilitation expenses, EMT expenses, prosthetic devices, nursing services and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

And the best car insurance company is…

We’ve covered a lot of tips how to compare 1998 Dodge Ram Pickup 1500 insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the lowest rates come from a smaller regional carrier. They may only write in your state and offer lower rates than the large multi-state companies such as Geico and State Farm.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find for the lowest price while still protecting your assets.

For more information, take a look at the resources below: