View 1997 Dodge Ram Pickup 2500 Insurance Cost

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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: Mar 19, 2020

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Buyers have a choice when searching for the lowest priced Dodge Ram Pickup 2500 insurance. They can either spend hours contacting agents getting price quotes or use the internet to compare rates.

There is a better way to shop for car insurance so we’re going to tell you the quickest way to price shop coverage on a Dodge and find the lowest price from local insurance agents and online providers.

The purpose of this article is to teach you how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Drivers only need to know how to shop their coverage around online.

Dodge Ram Pickup 2500 insurance rates consist of many parts

It’s important that you understand the rating factors that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The list below includes a few of the “ingredients” used by your company to calculate prices.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. Safe vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you. If your Dodge scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Rate your vehicle for proper use – The more you drive each year the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. If your policy improperly rates your Ram Pickup 2500 can result in significantly higher rates. Verify your car insurance policy properly reflects the correct driver usage.
  • Too many car insurance claims drive up costs – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies generally give discounts to drivers who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
  • Consolidate policies to earn discounts – Some companies will award you with lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you may still want to comparison shop to verify if the discount is saving money. Drivers may still find better rates by splitting coverages up.

How to Get Insurance

There are a variety of methods to compare 1997 Dodge Ram Pickup 2500 insurance prices but one way is less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Many companies participate in an industry program where insurance shoppers complete one form, and each company then gives them pricing for coverage. This eliminates the need for repetitive form submissions for each company.

To compare pricing click here to start a free quote.

The only downside to using this type of form is that consumers can’t choose the insurers to get quotes from. So if you prefer to choose from a list of companies for rate comparison, we have a listing of insurance companies in your area. Click to view list.

However you get your quotes, ensure you are comparing apples-to-apples coverage information with every price quote. If you are comparing different deductibles then you won’t be able to make an equal comparison.

Advertising myths

Drivers constantly see and hear ads for car insurance savings from companies such as State Farm and Allstate. All the companies say the same thing that you’ll save big if you change your policy.

How can each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the driver they prefer to insure. For instance, a preferred risk might be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t measure up to these standards will be quoted higher prices which leads to the customer not buying. The ad wording is “customers who switch” not “people who quote” save that much money. That is how companies can make the claims of big savings.

This emphasizes why you absolutely need to get quotes from several different companies. It’s just too difficult to predict which insurance coverage company will have the lowest Dodge Ram Pickup 2500 insurance rates.

Discounts are available to cut your rates

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply when you get a quote, but some may not be applied and must be requested specifically before you get the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Ram pickup insurance than less cautious drivers.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Defensive Driving Course – Completing a driver safety course could cut 5% off your bill if your company offers it.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But any discount will help reduce the cost of coverage.

To see a list of insurers with discount insurance coverage rates, click here.

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Everyone needs different coverages

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • Is pleasure use cheaper than using my 1997 Dodge Ram Pickup 2500 to commute?
  • Should I have a commercial auto policy?
  • Do I have coverage for damage caused while driving under the influence?
  • When can my company non-renew my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

The coverage is in the details

Having a good grasp of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, nursing services, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Ram Pickup 2500.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from getting keyed, hail damage, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance – This protects you from damage that occurs to a person or their property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, funeral expenses and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This covers damage to your Ram Pickup 2500 resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

A tidy conclusion

People who switch companies do it for many reasons like extreme rates for teen drivers, denial of a claim, unfair underwriting practices or even lack of trust in their agent. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

We’ve covered some good ideas how you can compare 1997 Dodge Ram Pickup 2500 insurance prices online. It’s most important to understand that the more you quote, the better your comparison will be. Drivers may discover the lowest rates come from a small local company.

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, someone sacrificed collision coverage and found out when filing a claim that they should have had better coverage. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

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