2007 Dodge Ram Pickup Insurance Rates
Average insurance rates for a 2007 Dodge Ram are $1,184 a year with full coverage. Comprehensive costs approximately $216, collision costs $290, and liability costs $508. Buying a liability-only policy costs as little as $560 a year, with high-risk insurance costing around $2,546. Teen drivers receive the highest rates at $4,664 a year or more.
Annual premium for full coverage: $1,184
Rate estimates for 2007 Dodge Ram Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 Dodge Ram models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $560 for only liability insurance to the much higher price of $2,546 for a driver that may need high-risk insurance.
These differences demonstrate why everyone should compare rates using their specific location and risk profile, instead of using price averages.
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Recommended Companies for Cheap 2007 Dodge Ram Insurance
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.
Recommended Companies for the Best Insurance Rates
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.
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)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,313|
|Los Angeles, CA||$1,995|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$75|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$45|
Discounts are estimated and may not be available from every company or in every state.