2001 Dodge Ram Pickup 2500 Insurance Cost – 6 Discounts for Cheaper Prices

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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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Trying to find cheaper insurance rates? Buyers have many options when searching for the lowest priced Dodge Ram Pickup 2500 insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There are both good and bad ways to shop for insurance so we’re going to tell you the best way to quote coverages for your Dodge and obtain the lowest possible price either online or from local insurance agents.

It’s a good idea to take a look at other company’s rates quite often because prices go up and down regularly. Even if you think you had the best price on Ram pickup coverage a year ago you may be paying too much now. Forget all the misinformation about insurance because we’re going to demonstrate the best methods to reduce your cost while improving coverage.

If you have a current car insurance policy or are just looking to switch companies, you can use this information to find the best rates while maximizing coverage. This information will help educate you on how car insurance quotes work and some tips to save money. Vehicle owners only need an understanding of the most effective way to shop for car insurance online.

How to Get Auto Insurance Comparison Quotes

All the larger auto insurance companies such as GEICO, State Farm and Progressive give price estimates on the web. The process doesn’t take a lot of time as you simply type in your coverage preferences as requested by the quote form. Once entered, their rating system automatically orders credit information and your driving record and returns pricing information.

This makes comparing rates easy, but the time it takes to visit many different websites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to do this if you want to find lower prices.

The smarter way to compare rates utilizes a single form to return rates from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much easier. After sending your information, it gets priced and you can select any of the resulting price quotes.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The whole process just takes a couple of minutes and can result in significant savings.

To find out if lower rates are available, click here to open in new window and enter your information. If you currently have coverage, we recommend you duplicate coverages and limits identical to your current policy. Doing this assures you will receive rate quotes for similar coverage.

Get lower rates on 2001 Dodge Ram Pickup 2500 insurance

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Most are applied at the time you complete a quote, but lesser-known reductions have to be asked for in order for you to get them. If you’re not getting every credit you deserve, you are throwing money away.

  • Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Homeowners Savings – Owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Ram pickup coverage than their less cautious counterparts.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could be rewarded with discounted rates on garaged vehicles.
  • Defensive Driver – Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

To see a list of insurance companies with discount insurance coverage rates, click this link.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if you will benefit from professional help.

  • When should I not file a claim?
  • Can I drive in Mexico and have coverage?
  • Am I covered when driving on a suspended license?
  • Is other people’s property covered if stolen from my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Free Auto Insurance Comparison

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Coverage specifics

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 2500.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – Collision coverage pays for damage to your Ram Pickup 2500 resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses such as EMT expenses, X-ray expenses and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance – This can cover damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, repair bills for other people’s vehicles, court costs, medical expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, theft and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage on a shoestring budget

Cheaper 2001 Dodge Ram Pickup 2500 insurance can be found from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

You just learned quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance coverage comes from some of the lesser-known companies.

People change insurance companies for many reasons like high prices, high rates after DUI convictions, policy cancellation or lack of trust in their agent. Regardless of your reason, choosing a new company can be easier than you think.

For more information, link through to the following helpful articles:

Use our FREE quote tool to compare rates now!

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