2000 Dodge Ram Pickup 2500 Insurance Quotes – 8 Savings Tips

Searching for better car insurance rates for your Dodge Ram Pickup 2500? Locating better insurance prices for your Dodge Ram Pickup 2500 can normally be a painful process, but you can learn a few tricks to save time. There are more efficient ways to buy car insurance so you’re going to learn the proper way to get price quotes for a new or used Dodge and find the best price possible from both online companies and local agents.

Smart consumers take time to price shop coverage every six months due to the fact that insurance rates are constantly changing. Just because you found the lowest price on Ram pickup insurance a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you’re about to find out how to use the internet to find great coverage at a great price.

If you are insured now or are shopping for new coverage, you can use this information to shop for the lowest rates and still get good coverage. Pricing the best protection can be fairly easy. Drivers just need to understand how to find the lowest price online.

Compare the Market for Auto Insurance

Cutting your auto insurance rates is not a difficult process. You just need to spend a few minutes comparing price quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

  • One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This form keeps you from doing repetitive form entry for every auto insurance company. Filling out one form will get you rate comparisons from several companies. This is perfect if you don’t have a lot of time.
  • A less efficient way to get comparison quotes requires you to visit each company’s website and fill out their own quote form. For instance, we’ll assume you want to compare Liberty Mutual, Geico and American Family. You would have to visit each 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.

  • The hardest way of getting rate comparisons is to spend your day driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the personal advice only provided by licensed agents. You can, however, price shop your coverage online and get advice from an agent in your area and we’ll cover that in a bit.

Whichever method you choose, ensure you’re using exactly the same coverage limits for every company. If you compare mixed coverages you can’t possibly make a fair comparison for your Dodge Ram Pickup 2500.

Don’t be fooled by advertising claims

Drivers can’t ignore all the ads that promise big savings by companies like Progressive, Geico, Allstate and State Farm. All the ads make an identical promise about savings if you change to them.

How do they all say the same thing?

Different companies are able to cherry pick for the driver they prefer to insure. An example of a preferred risk might be between 30 and 50, owns a home, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who are not a match for this ideal profile will be quoted more money and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently make those claims. This emphasizes why you should get as many quotes as possible. It is impossible to predict which car insurance company will have the lowest Dodge Ram Pickup 2500 insurance rates.

Take advantage of discounts

Companies don’t always publicize all their discounts very well, so here is a list both the well known and the more hidden ways to save on insurance. If you don’t get every credit available, you are throwing money away.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Passive Restraints – Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Student in College – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Driver Safety – Completing a defensive driving course can save you 5% or more depending on where you live.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Car insurance companies that may offer some of the above discounts include:

Before buying, ask each company how you can save money. Savings might not be offered in your area.

How to know if you need help

When buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Where can I find DUI or SR-22 insurance?
  • How high should my medical payments coverage be?
  • Is my teen driver covered when they drive my company car?
  • What is an SR-22 filing?
  • Can I drive in Mexico and have coverage?
  • Can I afford to buy a different vehicle if my 2000 Dodge Ram Pickup 2500 is totaled?
  • Do I need motorclub coverage?
  • Will filing a claim cost me more?

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 agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage breakdown

Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision protection

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

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

This coverage will cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical services, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like doctor visits, prosthetic devices, ambulance fees and chiropractic care. The coverages can be utilized in addition to 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. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they 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 2500.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, hail damage and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Final thoughts

Budget-conscious 2000 Dodge Ram Pickup 2500 insurance can be found on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We covered many ways to shop for insurance online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with some of the lesser-known companies.

People leave their current company for many reasons like lack of trust in their agent, denial of a claim, policy non-renewal or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding the right car insurance provider is not as difficult as it may seem.

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