2003 Dodge Ram Pickup 2500 Car Insurance Rates – 9 Tips to Save

Want lower insurance coverage rates for your Dodge Ram Pickup 2500? Are you a victim of overpriced insurance coverage? Trust us, there are many people just like you. There is such a variety of insurers to pick from, and even though it’s nice to have multiple companies, having more auto insurance companies makes it harder to locate the cheapest rates.

It’s a good habit to get comparison quotes every six months due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates for Ram pickup coverage on your last policy you can probably find a lower rate today. So just block out anything you think you know about insurance coverage because you’re going to get a crash course in one of the best ways to find better rates and still maintain coverage.

The purpose of this article is to familiarize you with the best way to quote coverages. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Vehicle owners just need to know the most efficient way to shop over the internet.

Where Can I Get Cheap Insurance Coverage?

Getting a cheaper price on 2003 Dodge Ram Pickup 2500 insurance isn’t really that difficult. Consumers just need to take a couple of minutes comparing rates provided by online insurance companies. This can be accomplished in several different ways.

  1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for every insurance coverage company. A single form will return quotes instantly.
  2. A slightly less efficient method to shop for insurance coverage online requires a trip to each company website to request a price quote. For instance, let’s assume you want to compare Auto-Owners, Esurance and Liberty Mutual. You would have to go to every website to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way of getting rate comparisons is to drive around to different agent offices. The ability to buy insurance online makes this process obsolete unless you require the professional advice only provided by licensed agents. Drivers can price shop your coverage online but still have the advice of a local agent.

However you get your quotes, ensure you are comparing identical deductibles and coverage limits with every price quote. If you are comparing different liability limits you can’t possibly determine the lowest rate for your Dodge Ram Pickup 2500.

Don’t miss these nine discounts

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Most are applied when you get a quote, but a few must be asked for before you will receive the discount. If they aren’t giving you every credit possible, you are throwing money away.

  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Passive Restraints – Vehicles equipped with air bags can qualify for discounts up to 30%.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Sign Online – Certain companies may give you up to $50 for buying your policy over the internet.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Ram pickup coverage with certain companies.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free insurance policy, insurance companies aren’t that generous. Any amount of discount will reduce the amount you have to pay.

Insurance companies that may have these benefits may include but are not limited to:

Check with every prospective company what discounts are available to you. Savings might not apply in every state.

When might I need help?

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover whether or not you will benefit from professional help.

  • What is no-fault insurance?
  • Does coverage extend to Mexico or Canada?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need special endorsements for business use of my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • How can I get my company to pay me more for my totalled car?
  • Is my trailer covered?
  • Are split liability limits better than a combined single limit?
  • Is my teenager covered with friends in the car?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, crashing into a building, damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Ram Pickup 2500.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, pain and suffering and medical expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for prosthetic devices, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Do the work, save more money

Cost effective 2003 Dodge Ram Pickup 2500 insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We covered a lot of tips how to reduce insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a lesser-known regional company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

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