2006 Dodge Ram Pickup 2500 Insurance Quotes

I can’t think of a single person who looks forward to paying for auto insurance, in particular when the cost is too high.

Because there are so many options when it comes to auto insurance, it can be challenging to locate the most cost effective insurer.

Consumers need to compare prices every six months because insurance rates change quite often. Just because you had the best rates on Ram pickup coverage a year ago a different company probably has better rates today. Starting right now, ignore everything you know about auto insurance because you’re going to learn the fastest and easiest way to find better rates and still maintain coverage.

The purpose of this post is to familiarize you with how to effectively get price quotes. If you are paying for car insurance now, you should be able to cut costs considerably using this strategy. Although consumers must understand how the larger insurance companies determine prices.

Insurance Quote Comparison

There are a lot of ways to compare insurance quotes, but some are more efficient than others. You could spend the better part of a day driving to local insurance agents in your area, or you can stay home and use the internet to achieve your goal.

Many of the larger companies belong to an insurance system that enables customers to submit one quote, and every company can give them a price based on the submitted data. This system prevents you from having to do quote requests to each individual insurance company.

To find out how much you can save on insurance click here to open in new window.

The only downside to comparing rates this way is you can’t choose which insurance companies you want pricing from. So if you want to select individual companies to request quotes from, we have assembled a list of insurance companies in your area. View list of insurance companies.

Whichever way you use, compare the exact same coverages for every company. If your comparisons have higher or lower deductibles it’s not possible to determine which rate is truly the best. Quoting even small variations in limits can result in a big premium difference. And when quoting insurance, remember that obtaining a wide range of quotes will enable you to find the best price.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on Ram pickup coverage than drivers with accident claims.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • No Charge for an Accident – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Own a Home – Owning a house may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will reduce your overall premium however.

To see a list of insurance companies with discount car insurance rates, click here.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Every situation is different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I get collision insurance on every vehicle?
  • When can my company non-renew my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when delivering products for my home-based business?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving in Canada or Mexico?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions then you might want to talk 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.

Impacting insurance rates for a Dodge Ram Pickup 2500

It’s important that you understand the different types of things that go into determining insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are some of the items companies use to determine premiums.

  • How many coverages with the same company – The majority of companies will award you with lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal. Consumers may find better rates by buying insurance from more than one company.
  • Liability coverage is peace of mind – The liability section of your policy is the protection if a court rules you are at fault for damages caused by your negligence. It will provide legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Don’t let your coverage lapse – Driving with no insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance can result in a revoked license or a big fine.
  • Traffic citations inflate rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one speeding ticket can increase rates by twenty percent. Good drivers receive lower rates than bad drivers. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to continue driving.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Insurance for medical payments

Med pay and PIP coverage pay for expenses such as hospital visits, rehabilitation expenses, doctor visits, surgery and chiropractic care. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

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

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, rolling your car, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, damage from flooding, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t 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. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, emergency aid and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2006 Dodge Ram Pickup 2500.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Don’t be a big spender

Discount 2006 Dodge Ram Pickup 2500 insurance can be found online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

You just read a lot of tips how to save on insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising. These companies can often provide lower rates in certain areas as compared to the big name companies such as Geico and State Farm.

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