2010 Dodge Ram Pickup 1500 Insurance Quotes – 7 Tips for Cheapest Rates

Trying to find lower auto insurance rates for your Dodge Ram Pickup 1500? Are you overwhelmed by the dozens of auto insurance companies? Many other drivers are as well. You have so many options that it can turn into a lot of work to compare prices.

Car Insurance Prices

Comparing car insurance rates can be exhausting if you don’t understand the easiest way. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system that enables customers to enter their coverage request one time, and each company returns a rated price. This saves time by eliminating repetitive form submissions for every car insurance company. To find out what other companies charge for 2010 Dodge Ram Pickup 1500 insurance click here to open in new window.

The single downside to using this type of system is buyers cannot specifically choose which providers to get pricing from. So if you prefer to choose individual companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits and deductibles on every quote. If you enter different values for each quote then you won’t be able to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. And when comparing car insurance rates, know that more quotes will increase your chances of finding a lower rate.

Are you getting all your discounts?

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known discounts you could be receiving.

  • Student in College – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Good Student Discount – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • 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.
  • Homeowners Savings – Simply owning a home can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Bundle and Save – When you have multiple policies with one company you may save 10% to 20% off each policy.
  • Paperless Signup – A few companies will give a small break for buying your policy over the internet.

A little note about advertised discounts, most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Insurance companies that possibly offer these discounts may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your state.

When might I need an agent?

When buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Do I pay less for low miles?
  • Does my policy cover me when driving someone else’s vehicle?
  • How do I insure my teen driver?
  • Should I bundle my homeowners policy with my auto?
  • Exactly who is provided coverage by my policy?
  • Are split liability limits better than a combined single limit?
  • Can my babysitter drive my car?
  • Do I really need UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Don’t believe everything you hear

Insurance coverage companies such as State Farm and Allstate consistently run ads on television and other media. They all seem to say the same thing that you can save if you change to their company. How can each company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the driver that earns them a profit. For example, a preferred risk could possibly be over the age of 50, has no driving citations, and has a high credit rating. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who don’t qualify for the requirements must pay higher rates which leads to the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save money. That’s why insurance companies can confidently advertise the savings. This illustrates why you absolutely need to compare many company’s rates. You cannot predict which company will have the lowest Dodge Ram Pickup 1500 insurance rates.

Car insurance policy specifics

Understanding the coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to 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.

Liability coverage pays for things like loss of income, court costs, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like pain medications, rehabilitation expenses, doctor visits and nursing services. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This will pay to fix damage to your Ram Pickup 1500 resulting from a collision 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 coverage pays for things like rolling your car, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Quote often and quote early

When you buy insurance online, never reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Low-cost 2010 Dodge Ram Pickup 1500 insurance is definitely available both online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Throughout this article, we presented a lot of tips how to save on insurance. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from an unexpected company.

Much more information about car insurance is available below: