Cheapest 2007 Dodge Ram Pickup 1500 Insurance Rates in 2023
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 4, 2023
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.
Drivers have lots of choices when trying to find the best price on Dodge Ram Pickup 1500 insurance. You can either spend your time driving around trying to get quotes or save time using the internet to find the lowest rates.
There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to get price quotes for your Dodge and locate the lowest possible price from both online companies and local agents.
Smart consumers take time to compare rates on a regular basis since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price for Ram pickup insurance two years ago you can probably find a better price now. You can find a lot of misleading information regarding car insurance on the web, but by reading this article, you’re going to learn some good information on how to buy car insurance cheaper.
The purpose of this post is to teach you how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Drivers just need to know the most efficient way to compare company rates online.
Do you qualify for these ten discounts?
Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. Certain discounts will be applied when you quote, but less common discounts must be manually applied prior to getting the savings. If you don’t get every credit you qualify for, you are throwing money away.
- Student in College – Children who live away from home without a vehicle on campus may qualify for this discount.
- Drive Less and Save – Fewer annual miles on your Dodge can qualify you for better rates on cars that stay parked.
- Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Federal Employees – Employees or retirees of the government may qualify you for a discount for Ram pickup insurance with certain companies.
- Accident Forgiveness – Certain companies allow you one accident before your rates go up so long as you haven’t had any claims for a set time period.
- 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% for Ram pickup insurance.
- Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Discount for New Cars – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will bring down the amount you have to pay.
To see a list of providers with discount car insurance rates, click here to view.
Are you falling for claims of savings?
Consumers get pounded daily by advertisements for cheaper car insurance by Progressive, Allstate and GEICO. All the ads have a common claim that you’ll save big after switching to their company.
How do they all claim to save you money?
All companies have a preferred profile for the driver that makes them money. For example, a driver they prefer might be profiled as between the ages of 30 and 50, a clean driving record, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.
Potential insureds who don’t meet the requirements will be quoted a more expensive rate and ends up with business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently advertise the savings.
This emphasizes why drivers must compare as many rates as you can. It’s impossible to know which company will fit your personal profile best.
Free Auto Insurance Comparison
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Don’t assume everyone needs the same coverage
When buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.
For example, these questions can help discover whether your personal situation will benefit from professional help.
- What if I owe more than I can insure my car for?
- Do I have coverage if my license is suspended?
- Is my custom paint covered by insurance?
- Does my personal policy cover me when driving out-of-state?
- Can I afford to pay high deductible claims out of pocket?
- What is no-fault insurance?
- Where can I find DUI or SR-22 insurance?
- What is PIP insurance?
- Are all vehicle passengers covered by medical payments coverage?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.
What car insurance coverages do you need?
Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like falling objects, vandalism and damage from getting keyed. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like doctor visits, X-ray expenses, chiropractic care, hospital visits and funeral costs. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.
Liability insurance will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like bail bonds, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as backing into a parked car, sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Quote more, save more
Drivers switch companies for a number of reasons such as unfair underwriting practices, lack of trust in their agent, high prices and policy cancellation. Whatever your reason, finding a new car insurance company is less work than it seems.
When shopping online for car insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at a price you can afford.
We just showed you many ideas to lower your 2007 Dodge Ram Pickup 1500 insurance rates. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a small local company.
Even more information is located in the articles below:
- Teen Driver Statistics (Insurance Information Insitute)
- What to do at the Scene of an Accident (Insurance Information Insitute)
- Insurance Losses by Make and Model (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
- Vehicle Safety Ratings (iihs.org)
- Safe Vehicles for Teens (iihs.org)
Frequently Asked Questions
Are there any specific insurance providers known for offering affordable rates on a 2007 Dodge Ram Pickup 1500?
Insurance rates can vary between providers, so it’s essential to compare quotes from different companies. However, some insurance providers may offer competitive rates or specialized coverage for older vehicle models. Examples of insurance providers worth considering include Geico, Progressive, State Farm, Allstate, and Farmers Insurance.
How does the age of the vehicle affect insurance rates for a 2007 Dodge Ram Pickup 1500?
The age of a vehicle, such as the 2007 Dodge Ram Pickup 1500, can impact insurance rates. Older vehicles generally have lower replacement values, which can result in lower comprehensive and collision coverage premiums. However, other factors, like the availability of spare parts and the vehicle’s safety features, can also influence insurance rates.
Can I get classic car insurance for my 2007 Dodge Ram Pickup 1500?
Generally, classic car insurance is reserved for vehicles that are at least 20 to 25 years old and meet specific criteria, such as limited use and well-maintained condition. As a 2007 model, the Dodge Ram Pickup 1500 does not typically qualify for classic car insurance. However, you can still obtain standard auto insurance coverage for your vehicle.
How does my driving record affect the insurance rates for a 2007 Dodge Ram Pickup 1500?
Your driving record plays a significant role in determining insurance rates. If you have a history of accidents, traffic violations, or DUI convictions, insurance providers may consider you a higher risk driver and charge higher premiums for coverage on your 2007 Dodge Ram Pickup 1500. Maintaining a clean driving record can help you secure more affordable insurance rates.
Are there any specific coverage options I should consider for my 2007 Dodge Ram Pickup 1500 to get cheaper insurance rates?
The coverage options you choose can affect the cost of your insurance premium. Liability coverage is typically required by law and helps cover damages to others if you cause an accident. Additionally, comprehensive and collision coverage may be worth considering for your 2007 Dodge Ram Pickup 1500. However, keep in mind that increasing coverage limits or adding additional coverage options may result in higher premiums.
Frequently Asked Questions
- What is a named operator policy?
- Will Geico insure a car not in my name?
- What Is Covered in a Jeep Powertrain Warranty? 2023
- Cheapest Jeep Insurance Rates in 2023
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Toyota Corolla Insurance
- Jeep Wrangler Insurance
- Dodge Ram Insurance
- Chevrolet Cruze Insurance
- Ford F-150 Insurance
- Toyota Rav4 Insurance
- Subaru Forester Insurance
- Honda CR-V Insurance
- Nissan Rogue Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area