2009 Dodge Ram Pickup 2500 Car Insurance Cost

I can’t think of a single person who enjoys paying for insurance, in particular when their premiums are through the roof. With consumers having so many companies to choose from, it is hard for the average consumer to find the lowest cost car insurance company.

It’s smart to shop coverage around once or twice a year because prices change quite often. If you had the best price on Ram pickup coverage six months ago there may be better deals available now. You’ll find quite a bit of inaccurate information about insurance on the internet, so with this article, you’re going to get some great ways to find cheap insurance.

Buying cheaper auto insurance is easy if you know what you’re doing. If you are insured now or need new coverage, you will benefit by learning to reduce the price you pay while maximizing coverage. Drivers just need to know the most efficient way to get comparison rates on the web.

You probably qualify for some discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically when you purchase, but a few need to be manually applied prior to receiving the credit. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • No Accidents – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • College Student – Any of your kids who live away from home and do not have a car can receive lower rates.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Memberships – Being a member of a civic or occupational organization may earn a discount when buying insurance on Ram pickup coverage.
  • Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Homeowners Discount – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Ram pickup coverage with certain companies.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Ram pickup coverage than less cautious drivers.

Drivers should understand that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free insurance policy, you’re out of luck. Any amount of discount will help reduce the amount you have to pay.

For a list of providers with the best insurance discounts, follow this link.

Why your Dodge Ram Pickup 2500 insurance rates may be high

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get lower car insurance prices.

  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for car insurance? Occupations like real estate brokers, social workers and accountants tend to pay higher rates than average attributed to job stress and long work days. On the flip side, professions such as pilots, athletes and performers have the lowest average rates on Ram pickup coverage.
  • Theft deterrents lower rates – Owning a car with an alarm system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Allowing your policy to lapse raises rates – Not having insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage might get you a steep fine or even jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Younger drivers pay higher rates – Mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers are known to be less responsible in a vehicle therefore car insurance rates are much higher.
  • Too many car insurance claims drive up costs – Car insurance companies give discounts to insureds who file claims infrequently. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Do you need those extra coverages? – There are a ton of add-on coverages that you can get tricked into buying on your Ram Pickup 2500 policy. Things like personal injury protection, accidental death and motor club memberships may be wasting your money. They may seem good initially, but if you don’t need them remove them from your policy.
  • Do men or women drive better? – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes are in accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive car insurance rates.
  • Poor driving leads to higher costs – Just one citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than bad drivers. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.

There’s no such thing as the perfect policy

When choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Is my teenager covered with friends in the car?
  • Should I rate my 2009 Dodge Ram Pickup 2500 as pleasure use or commute?
  • Where can I get insurance after a DUI in my state?
  • Should I sign the liability waiver when renting a car?
  • Who is covered when they drive my 2009 Dodge Ram Pickup 2500?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 2500.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for funeral costs, nursing services, chiropractic care and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverages – Collision coverage will pay to fix damage to your Ram Pickup 2500 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Better coverage you can count on

Lower-priced 2009 Dodge Ram Pickup 2500 insurance can be sourced from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance companies may not provide online quoting and these smaller companies work with independent agents.

We just presented a lot of tips how to reduce insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the best price on insurance coverage is with a small mutual company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive and Geico.

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