1994 Dodge Ram Pickup 2500 Car Insurance Rates – 8 Savings Tips

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Confused by the sheer number of insurance company choices? You have a lot of company. Drivers have so many companies to choose from that it can quickly become a ton of work to find the best price.

It’s a great practice to check insurance prices quite often due to the fact that insurance rates change quite often. Even if you think you had the best rates on Ram pickup insurance on your last policy there may be better deals available now. You can find a lot of wrong information about insurance online but by reading this article, you’re going to learn some great ways to find affordable insurance.

Finding the best rates is not that difficult. In a nutshell, anyone who is required by state law to have car insurance will most likely be able to find lower rates. Nevertheless, consumers should learn how insurance companies determine prices.

Compare the Market for Insurance

All the larger insurance companies give insurance quotes on the web. Obtaining pricing is quite simple as you just type in your coverage information into the quote form. When the form is submitted, their system obtains your credit score and driving record and generates pricing information.

This makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes if you are searching for the best price on insurance.

The easy way to compare rates

A quicker way to lower your insurance bill makes use of a single form that obtains quotes from several companies at one time. It saves time, eliminates repetitive work, and makes online shopping a lot less work. After sending the form, your coverage is rated and you can select your choice of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It only takes a few minutes and can result in significant savings.

To save time and find out how much you can save on insurance, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you input the coverages as shown on your current policy. This helps ensure you’re receiving a fair comparison based on similar coverages.

These eight discounts can lower your rates

Companies offering auto insurance don’t always advertise every available discount very clearly, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Claim Free – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • Organization Discounts – Being a member of a qualifying organization could qualify you for a break when buying auto insurance on Ram pickup insurance.
  • New Car Discount – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Ram pickup insurance than drivers with accidents.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could be rewarded with lower rates on the low mileage vehicles.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.

As a disclaimer on discounts, some of the credits will not apply the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Just because you may think you could get a free auto insurance policy, companies wouldn’t make money that way.

Car insurance companies that may have these money-saving discounts are:

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

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Different people need different coverages

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For example, these questions can help discover whether or not you may require specific advice.

  • Do I need more liability coverage?
  • Do I have newly-acquired coverage?
  • Is my dog or cat covered if injured in an accident?
  • Am I better off with higher deductibles on my 1994 Dodge Ram Pickup 2500?
  • Am I covered when pulling a rental trailer?
  • What is the ISO rating for a 1994 Dodge Ram Pickup 2500?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form.

Don’t believe everything you hear

Insurance companies such as 21st Century, Allstate and State Farm regularly use television and radio advertisements. They all seem to make the same claim that you can save if you move to them. But how can every company make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the type of driver that is profitable for them. For example, a profitable customer might be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.

Potential insureds who don’t meet the requirements will have to pay higher premiums and this can result in business going elsewhere. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s why companies can claim big savings. Because of the profiling, it is so important to get as many quotes as possible. It is impossible to predict which insurance companies will give you the biggest savings on Dodge Ram Pickup 2500 insurance.

Insurance coverages 101

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 2500.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses for rehabilitation expenses, dental work, funeral costs and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. 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, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The maximum amount 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.

Liability coverages

This coverage provides protection from damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims like emergency aid, pain and suffering and structural damage. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, scraping a guard rail, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

In conclusion

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

In this article, we presented a lot of information how to compare 1994 Dodge Ram Pickup 2500 insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced insurance comes from the smaller companies.

Affordable insurance can be bought on the web and with local insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

Additional information can be found at these links:

Use our FREE quote tool to compare rates now!

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