Save on 1999 Dodge Ram Pickup 2500 Insurance Rates
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UPDATED: Aug 23, 2022
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Trying to find cheaper insurance rates for your Dodge Ram Pickup 2500? Finding the lowest price for insurance might seem complicated at first if you have never used online price comparisons. But don’t be discouraged because there is an easy way to compare rates.
It is always a good idea to price shop coverage at least once a year since rates trend upward over time. Despite the fact that you may have had the best price for Ram pickup insurance a couple years back a different company probably has better rates today. So ignore everything you know about insurance because you’re going to get a crash course in the things you must know in order to save money, get proper coverage and the best rates.
Comprehensive Auto Insurance Comparison
All major auto insurance companies like State Farm and Allstate give prices for coverage on their websites. Getting online rates is fairly straightforward as you just enter the amount of coverage you want as requested by the quote form. When complete, the system automatically retrieves your driving record and credit report and gives you a price quote.
This makes it a lot easier to compare rates but the process of having to visit several different sites and enter the same data into a form can be a bit repetitive. But it’s very important to do this if you want to find better prices.
The preferred way to lower your rates is to use a quote form to obtain quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more efficient. After sending your information, it gets priced and you are able to buy any of the price quotes you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process takes less than 15 minutes and you will know how your current rates stack up.
To fill out one form to compare multiple rates now, click here to open in new window and submit the form. If you have a policy now, it’s recommended you enter your coverages exactly as shown on your declarations page. Doing this assures you’re receiving a rate comparison based on the exact same insurance coverage.
The fine print in car insurance ads
Companies like State Farm and Allstate regularly use ads on TV and radio. All the ads say the same thing that you can save if you move to their company. How does each company claim to save you money?
All companies can use profiling for the driver they prefer to insure. An example of a desirable insured might be profiled as between 25 and 40, owns a home, and chooses high deductibles. A propective insured who meets those qualifications is entitled to the best price and as a result will probably save quite a bit of money when switching.
Potential customers who don’t measure up to the requirements will be quoted higher rates which leads to business not being written. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. This is how companies can advertise the way they do.
This emphasizes why you need to compare as many rates as you can. It’s not possible to predict the company that will fit your personal profile best.
Take discounts and save
Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied at quote time, but less common discounts must be specially asked for before they will apply.
- Accident Free – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
- Federal Employees – Active or retired federal employment may qualify you for a discount for Ram pickup insurance with a few insurance coverage companies.
- Drive Less and Save – Keeping the miles down on your Dodge can earn discounted rates on garaged vehicles.
- College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
Drivers should understand that most of the big mark downs will not be given the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. But any discount will help reduce the amount you have to pay.
Car insurance companies that may have these discounts include:
Check with each company what discounts are available to you. Some discounts may not be available in your state.
Which policy gives me the best coverage?
When choosing the best car insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.
For instance, these questions might help in determining whether you might need an agent’s assistance.
- Is my custom paint covered by insurance?
- Is my trailer covered?
- Do I really need UM/UIM coverage?
- I have a DUI can I still get coverage?
- Does my liability insurance cover pulling a trailer or camper?
- Am I getting all the discounts available?
If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.
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Insurance coverages 101
Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Auto collision coverage
Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as backing into a parked car, colliding with a tree, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.
Coverage for liability
Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects and attorney fees. How much coverage you buy is up to you, but you should buy as much as you can afford.
Comprehensive or Other Than Collision
This covers 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 damage from flooding, fire damage, hail damage and a broken windshield. 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.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for bills like surgery, prosthetic devices, ambulance fees, pain medications and dental work. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1999 Dodge Ram Pickup 2500.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.
Never pay more for less
When buying insurance coverage, never buy poor coverage just to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.
Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, unfair underwriting practices or even being labeled a high risk driver. Whatever your reason, finding a great new company can be easy and end up saving you some money.
Cheap 1999 Dodge Ram Pickup 2500 insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Insurance Losses by Make and Model (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
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