View 2002 Dodge Ram Pickup 1500 Insurance Rates

Want lower insurance rates for your Dodge Ram Pickup 1500? Feel like you’re a prisoner to high-priced insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurer to get the lowest rate

Smart consumers take time to price shop coverage every six months since insurance rates trend upward over time. Just because you had the lowest rates on Ram pickup coverage a few years ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about insurance because you’re about to learn how to use the internet to find lower rates on insurance.

Compare Car Insurance Today

There are a variety of methods you can shop for 2002 Dodge Ram Pickup 1500 car insurance and some are easier and takes less work. You can waste hours driving to local insurance agents in your area, or you can stay home and use the web to achieve your goal.

Most major companies take part in a program where insurance shoppers submit one quote, and each company can provide price quotes. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to getting quotes like this is you cannot specify which carriers you will receive quotes from. If you would rather choose individual companies to compare rates, we have a listing of car insurance companies in your area. View list of insurance companies.

Whichever method you choose, make sure you use identical coverages with each company. If your comparisons have different liability limits it will be next to impossible to find the best deal for your Dodge Ram Pickup 1500. Slightly different limits could mean much higher rates. And when quoting car insurance, remember that having more price comparisons will improve the odds of getting the best offered rates.

Best discounts on Dodge Ram Pickup 1500 coverage

Companies that sell car insurance don’t always publicize every discount very well, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Sign Online – Certain companies give back up to $50 just for signing your application digitally online.
  • Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Senior Citizens – Mature drivers may qualify for a small decrease in premiums on Ram pickup coverage.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Ram pickup coverage with select insurance companies.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Ram pickup coverage than less cautious drivers.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

Insurance companies that may offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When buying the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • How high should deductibles be on a 2002 Dodge Ram Pickup 1500?
  • How many claims can I have before being cancelled?
  • Do I have coverage if my license is suspended?
  • When should I drop full coverage on my 2002 Dodge Ram Pickup 1500?
  • Am I covered when using my vehicle for business?
  • What is UM/UIM insurance?
  • What can I do if my company won’t pay a claim?
  • When should my teen driver be added to my policy?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Specific coverages for a 2002 Dodge Ram Pickup 1500

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, X-ray expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto liability

Liability insurance can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, 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. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like court costs, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your Ram Pickup 1500 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a deer, falling objects and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 1500.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Have the Midas touch

We just showed you many tips how you can save on 2002 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

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