2004 Dodge Ram Pickup 2500 Insurance Cost

Looking for better insurance rates for your Dodge Ram Pickup 2500? Having to pay for overpriced insurance can drain your checking account, especially in this economy. Shopping your coverage around is a smart way to cut your insurance bill.

Numerous auto insurance companies battle for your hard-earned dollar, so it’s not easy to compare every provider to discover the definitive lowest cost out there.

It’s a good idea to compare prices periodically because prices change frequently. Despite the fact that you may have had the lowest rates on Ram pickup coverage last year you can probably find a better price now. Starting right now, forget all the misinformation about insurance because I’m going to teach you the easiest way to properly buy coverages and cut your premium.

The most recommended method to compare rates is to know auto insurance companies actually pay money for the chance to compare their rates. All you need to do is give them rating details like whether you are married, how your vehicles are used, if it has an anti-theft system, and the type of vehicles you drive. Your details is then submitted to all major companies and they return cost estimate with very little delay.

To find lower rates now, click here then complete the form.

Companies offer discounts so take them!

Insurance can be prohibitively expensive, but you may find discounts that you may not even be aware of. A few discounts will automatically apply when you purchase, but a few need to be asked about before they will apply.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break on your policy on Ram pickup coverage.
  • Sign Online – Certain companies may give you up to $50 for buying your policy digitally online.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will help reduce your overall premium however.

Insurance companies that may have these money-saving discounts include:

Before buying, ask each company what discounts are available to you. Some discounts might not be offered in every state.

Do I just need basic coverages?

When buying the right insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Is rental equipment covered for theft or damage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving someone else’s vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my state a no-fault state?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need higher collision deductibles?
  • Am I covered if my car is in a flood?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, hail damage and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses for hospital visits, dental work and pain medications. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole, hitting a parking meter, driving through your garage door and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Ram Pickup 2500.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Liability auto insurance

This coverage will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, medical expenses and pain and suffering. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Save your cold hard cash

We’ve covered a lot of techniques to shop for 2004 Dodge Ram Pickup 2500 insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from a small local company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

Affordable insurance can be found on the web and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Additional information can be found below: