Lower Your 1998 Dodge Ram Pickup 2500 Insurance Cost

Want better insurance rates for your Dodge Ram Pickup 2500? Trying to find better insurance prices for a new or used Dodge Ram Pickup 2500 could be an all-consuming task, but you can follow our insurance buying tips to find lower rates.

There is a right way and a wrong way to shop for insurance and you need to know the best way to get price quotes for your Dodge and locate the best price possible.

It is always a good idea to take a look at other company’s rates before your policy renews because prices tend to go up over time. Just because you had the best price for Ram pickup insurance last year other companies may now be cheaper. Ignore everything you know about insurance because you’re about to find out the only way to eliminate unnecessary coverages and save money.

If you have a policy now or are just looking to switch companies, you can use these techniques to shop for the lowest rates and still get good coverage. Finding the lowest cost insurance is quite easy. Drivers only need to know the most efficient way to shop over the internet.

Dodge Ram Pickup 2500 premiums are determined by many factors

It’s important that you understand the rating factors that help determine the rates you pay for insurance. Understanding what determines base rates allows you to make educated decisions that can help you get big savings.

  • Drive less and save money – The more miles you rack up on your Dodge every year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Cars left parked in the garage get more affordable rates than vehicles that are driven to work every day. Having the wrong rating on your Ram Pickup 2500 can result in significantly higher rates. Make sure your insurance policy shows how each vehicle is driven.
  • Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Ram Pickup 2500 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Bad driving skills means higher rates – Careful drivers have lower premiums than their less careful counterparts. Even one citation can boost insurance rates by as much as thirty percent. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into accidents in similar percentages, but men cause more damage. Men also receive more costly citations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and are penalized with high insurance rates.
  • Where you live is a factor – Living in a small town has it’s advantages when it comes to insurance. Drivers in populated areas have congested traffic and longer commutes to work. Fewer drivers means fewer accidents and a lower car theft rate.

Comprehensive Insurance Comparison Quotes

Effectively comparing insurance prices can take time and effort if you don’t understand the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to maximize your effort.

Many companies belong to an insurance system where insurance shoppers only type in their quote data once, and each company then gives them pricing based on that data. This eliminates the need for quote requests to every company.

To use this form to compare 1998 Dodge Ram Pickup 2500 insurance rates click here to start a free quote.

The only drawback to using this type of form is you cannot specify the providers you want pricing from. So if you want to choose from a list of companies to compare rates, we have assembled a list of companies who write insurance in your area. Click to view list.

Whichever method you choose, compare the exact same deductibles and coverage limits with every price quote. If you are comparing higher or lower deductibles then you won’t be able to determine the lowest rate for your Dodge Ram Pickup 2500.

Save with discounts on Dodge Ram Pickup 2500 insurance

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Most are applied at the time you complete a quote, but some may not be applied and must be inquired about in order for you to get them. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Ram pickup insurance with a few car insurance companies.
  • Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Bundle and Save – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you’re out of luck. But any discount will cut your premiums.

To see a list of insurers with the best car insurance discounts, follow this link.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions might point out if your situation will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What is roadside assistance coverage?
  • Is my trailer covered?
  • Will my rates increase for filing one claim?
  • What are the best liability limits?
  • What if I don’t agree with a claim settlement offer?
  • Are my tools covered if they get stolen from my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • When would I need additional glass coverage?
  • Am I better off with higher deductibles on my 1998 Dodge Ram Pickup 2500?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Insurance policy specifics

Learning about specific coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, loss of income, funeral expenses, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, falling objects, damage from getting keyed, hitting a bird and rock chips in glass. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for nursing services, funeral costs and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Online plus local equals savings

People who switch companies do it for a variety of reasons including policy cancellation, extreme rates for teen drivers, lack of trust in their agent or policy non-renewal. Whatever your reason, choosing a new company is easier than you think.

Cost effective 1998 Dodge Ram Pickup 2500 insurance is attainable both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

We covered many ideas to shop for insurance online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest premiums are with a small mutual company.

More detailed insurance information is located by following these links: