How Much Does 2004 Dodge Ram Pickup 1500 Car Insurance Cost?

Purchasing the most affordable car insurance on the internet can be difficult for beginners to comparing rates online. Since there are so many online companies, how can anyone effectively compare every company to locate the lowest price?

You need to check car insurance prices quite often because rates are adjusted regularly by insurance companies. Just because you found the best price for Ram pickup insurance six months ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Buying the cheapest protection can be fairly easy. But car owners must know how insurance companies compete online and apply this information to your search.

Discounts are basically free money

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be manually applied before being credited.

  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • E-sign – A handful of insurance companies give back up to $50 for buying your policy online.
  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on car insurance for Ram pickup insurance.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Homeowners Discount – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for Ram pickup insurance with certain companies.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will bring down the amount you have to pay.

Car insurance companies that possibly offer these benefits include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts may not apply in your area.

Factors that might impact rates for a Dodge Ram Pickup 1500

It’s important that you understand some of the elements that come into play when calculating your insurance rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to big savings.

  • Careful drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Just one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than bad drivers. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Your occupation can affect rates – Occupations like judges, executives and financial analysts have higher average rates attributed to high stress levels and lots of time spent at work. Conversely, jobs such as actors, engineers and the unemployed get better rates for Ram pickup insurance.
  • Don’t buy coverages you don’t need – There are quite a few additional coverages that can waste your money if you aren’t careful. Coverages for personal injury protection, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Your location is important – Choosing to live in less populated areas can save you money when talking about insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Lower population means reduced accidents and also fewer theft and vandalism claims.
  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Dodge scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • One company can mean more discounts – Most insurers give discounts to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even with this discount, it’s in your best interest to shop around to ensure the best deal.

Which insurance is the “right” coverage?

When choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your situation might need professional guidance.

  • Does my insurance cover a custom paint job?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need special endorsements for business use of my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is a blown tire covered by insurance?
  • How many claims can I have before being cancelled?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I getting all the discounts available?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Coverages available on your policy

Having a good grasp of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance coverage 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 coverage protects against things like a broken windshield, damage from a tornado or hurricane and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Dodge Ram Pickup 1500.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as nursing services, X-ray expenses, rehabilitation expenses, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as legal defense fees, loss of income, court costs, funeral expenses and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

One last thing about your coverage

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. In many cases, someone dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Cheap 2004 Dodge Ram Pickup 1500 insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

You just learned some good ideas how you can shop for insurance online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a small mutual company.

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