Lower Your 2002 Dodge Ram Pickup 1500 Car Insurance Quotes

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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: Feb 27, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you a victim of an overpriced car insurance policy? Believe me when I say you’re not alone.

Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company and uncover the absolute cheapest price

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Buying car insurance is not that difficult. Nevertheless, car owners benefit from understanding the way insurance companies market insurance on the web.

Compare the Market for Insurance

Performing a rate comparison can be exhausting if you don’t understand the fastest way to get free quotes. You could waste a few hours driving to insurance companies in your area, or you could use the web to get rates in a matter of minutes.

Many companies enroll in a system that allows shoppers to submit their information once, and every company returns a rated price determined by their information. This system prevents you from having to do repetitive form submissions for every insurance company. To compare 2002 Dodge Ram Pickup 1500 rates now click to open in new window.

The only downside to pricing coverage this way is that consumers can’t choose which providers you want to price. So if you want to choose specific providers for rate comparison, we have assembled a list of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverages and limits for every quote you compare. If your comparisons have different liability limits then you won’t be able to decipher which rate is best. Slightly different coverage limits could mean much higher rates. Keep in mind that getting more free quotes gives you a better chance of getting the best price.

Cut your premium with discounts

Companies offering auto insurance don’t always advertise every available discount very clearly, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.

  • Homeowners Pay Less – Owning a house can save you money because of the fact that having a home requires personal responsibility.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Ram pickup coverage than drivers with accident claims.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Ram pickup coverage.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • College Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

For a list of insurers offering insurance discounts, follow this link.

Free Auto Insurance Comparison

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What is the best insurance coverage?

When buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need replacement cost coverage?
  • Is my teen driver covered when they drive my company car?
  • How do I buy GAP insurance?
  • Do I need more liability coverage?
  • What is an SR-22 filing?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverages for a Dodge Ram Pickup 1500

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage 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 can pay for claims such as fire damage, falling objects, rock chips in glass, hail damage and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

This will cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, attorney fees, repair bills for other people’s vehicles, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage

Collision coverage covers damage to your Ram Pickup 1500 caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 1500.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as dental work, X-ray expenses and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

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