2010 Dodge Ram Pickup 2500 Insurance Quotes – 8 Ways to Save

Searching for better insurance rates for your Dodge Ram Pickup 2500? Having to pay for overpriced Dodge Ram Pickup 2500 insurance can take a big chunk out of your checking account, especially in this economy. Comparison shopping is a great way to lower your monthly bill. Many insurance companies compete for your business, and it can be difficult to compare rates to find the absolute lowest rate

You should make it a habit to do rate comparisons periodically because rates are usually higher with each renewal. If you had the best deal for Ram pickup insurance on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current insurance coverage policy or are shopping for new coverage, you can use these techniques to find better prices and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners just need to learn the most effective way to shop over the internet.

Discounts are available to cut your rates

Companies do not advertise every discount very well, so we researched some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Ram pickup insurance than drivers with accident claims.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Accident Free – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
  • Defensive Driving Course – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Ram pickup insurance with a few auto insurance companies.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way.

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

Which Insurance Coverage is Cheapest?

Getting a cheaper price on 2010 Dodge Ram Pickup 2500 insurance can be surprisingly simple. You just need to invest a few minutes comparing rates online from several insurance companies. This can be done in just a few minutes using one of these methods.

  • One of the best ways to get quotes would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do separate quote forms for each company you want a rate for. A single form will return price quotes from insurance coverage companies with the best prices.
  • A different way to get comparison quotes consists of going to the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s assume you want comparison quotes from Farmers, Geico and American Family. To get rate quotes you would need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make absolute certain that you use apples-to-apples information for each price quote. If each company quotes unequal deductibles or liability limits then you won’t be able to find the best deal for your Dodge Ram Pickup 2500.

Everyone needs different coverages

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you will benefit from professional help.

  • Are split liability limits better than a combined single limit?
  • Do I have any recourse if my insurance company denies a claim?
  • Does medical payments coverage apply to all occupants?
  • Is extra glass coverage worth it?
  • What are the best liability limits?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to a rental car in a foreign country?
  • What is high-risk coverage and where do I buy it?
  • Does insurance cover damages from a DUI accident?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Pickup 2500.

Due to the fact that many 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 should not be overlooked.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for funeral costs, nursing services, pain medications, dental work and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, vandalism and a broken windshield. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This will pay to fix damage to your Ram Pickup 2500 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as structural damage, court costs and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

A penny saved is a penny earned

The cheapest 2010 Dodge Ram Pickup 2500 insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

You just read a lot of ways to compare insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest premiums are with some of the smallest insurance companies. They may have significantly lower rates on certain market segments compared to the large companies like Progressive and Geico.

Additional insurance coverage information can be read on the following sites: