Cheap 2010 Dodge Ram Pickup 2500 Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 25, 2024

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Want the cheapest insurance rates for your Dodge Ram Pickup 2500? Trying to find cheap insurance is always difficult for drivers not familiar with online price comparisons. Consumers have so many companies to choose from that it can be a real difficult job to find the best price.

Buying cheaper protection is simple if you know the tricks. Basically, every vehicle owner who buys insurance will most likely be able to cut their insurance bill. Although vehicle owners can benefit from knowing the methods companies use to price online insurance.

Ways to get car insurance quotes

Effectively comparing car insurance prices can be challenging if you aren’t aware of the easiest way. You could waste time discussing policy coverages with insurance agencies in your area, or you can utilize online quoting for quick rates.

Most of the best insurance companies enroll in a system that enables customers to send in one quote, and each company can give them a price based on that data. This system prevents you from having to do quotation requests for each company.

To access this free quoting program, enter your zip code here.

The one downside to pricing coverage this way is you are unable to specify the providers you want to price. So if you want to choose specific insurance companies to compare, we have assembled a list of the cheapest car insurance companies in your area. Click to enter zip code.

Compare rates however you want, just make darn sure you compare nearly identical coverages and limits with every price quote. If you have different liability limits you will not be able to make a fair comparison for your Dodge Ram Pickup 2500. Just a small difference in insurance coverages can make a big difference in price. Keep in mind that more quotes will improve the odds of getting the best offered rates. Some regional insurers cannot provide online price quotes, so it’s important to also get rates from those companies as well.

Lower your auto insurance rates with discounts

Some insurance providers don’t necessarily list every discount they offer very clearly, so we researched some of the best known as well as some of the hidden ways to save on auto insurance. If you do not check that you are getting every discount you qualify for, you could be paying more than you need to.

  • Own a Home and Save – Owning a home can help you save on auto insurance because it is proof of financial responsibility.
  • Multiple Cars – Purchasing coverage when you have primary and secondary vehicles with one company can get a discount for every vehicle.
  • Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Save over 55 – Seniors can possibly qualify for a discount up to 10% on Ram pickup coverage.
  • Professional Organizations – Joining qualifying clubs or civic groups is a simple method to lower premiums when shopping for auto insurance.
  • Sign Early and Save – Some larger companies provide a discount for renewing your policy before your current policy expires. This can save 10% or more.
  • Driving Data Discount – Policyholders that allow companies to analyze driving manner by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as they are good drivers.
  • Military Rewards – Having an actively deployed family member could mean lower auto insurance rates.
  • Claim Free – Claim-free drivers pay less when compared with policyholders that have many claims.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

Remember that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

A few popular companies and some of the premium reductions they offer can be found below.

  • GEICO includes discounts for daytime running lights, air bags, five-year accident-free, good student, and military active duty.
  • SAFECO has savings for anti-theft, anti-lock brakes, drive less, accident prevention training, teen safety rewards, and multi-car.
  • State Farm offers discounts including defensive driving training, multiple policy, safe vehicle, anti-theft, Drive Safe & Save, and driver’s education.
  • MetLife has discounts for good driver, claim-free, multi-policy, good student, and defensive driver.
  • 21st Century may offer discounts for anti-lock brakes, 55 and older, automatic seat belts, defensive driver, theft prevention, good student, and driver training.
  • Progressive offers discounts for homeowner, continuous coverage, good student, online quote discount, multi-policy, and online signing.

Before purchasing a policy, check with every company to apply every possible discount. Some discounts may not apply in your area. To find providers with discount rates, enter your zip code here.

You are unique and your insurance should be too

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether or not you could use an agent’s help.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need replacement cost coverage on my 2010 Dodge Ram Pickup 2500?
  • Do I need rental car coverage?
  • Am I covered if hit by an uninsured driver?
  • Can I get a multi-policy discount?
  • What exactly is covered by my policy?
  • Are my friends covered when driving my 2010 Dodge Ram Pickup 2500?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out your zip code.

How to lower your insurance rates

Part of the insurance coverage buying process is learning the rating factors that help determine the price you pay for insurance coverage. If you know what impacts premium levels, this allows you to make educated decisions that will entitle you to better insurance coverage rates. Multiple criteria are used in the calculation when premium rates are determined. Some are obvious like an MVR report, but some are not quite as obvious such as your credit history or your vehicle rating.

  • Where you reside plays a part – Being located in areas with lower population can be a good thing if you are looking for the lowest rates. Less people living in that area translates into fewer accidents and lower theft and vandalism rates. Residents of big cities tend to have much more traffic and more severe claims. The longer drive time means more chance of being in an accident.
  • Don’t skimp on liability insurance – Liability insurance kicks in if ever you are determined to be liable for personal injury or accident damage. It will provide for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • What’s your car’s NHTSA crash test rating? – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety reduce injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy. If your Dodge scored better than four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Consider raising physical damage deductibles – Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your Dodge. A few examples of covered claims would be a broken side mirror, hail damage, or theft. Comp and collision deductibles state the amount of money the insured will be required to pay if a covered claim is submitted. The larger the amount you are required to pay out-of-pocket, the better rate you will receive on Ram pickup coverage.
  • Allowing your policy to lapse raises premiums – Driving without insurance coverage in place can get your license suspended and any future policy may cost more because you let your insurance lapse for non-payment. In addition to paying higher rates, being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Cheaper rates by bundling – Most major insurers give better rates to clients who carry more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, consumers should still compare other company rates to guarantee you are still saving the most. There is a good possibility that you can save more without the discount by buying insurance from more than one company.

Auto insurance 101

Learning about specific coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for rehabilitation expenses, nursing services, dental work, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Ram Pickup 2500.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, 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 one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like loss of income, structural damage, medical services and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Ram Pickup 2500 resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, crashing into a building, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

The best insurance company isn’t always the cheapest

In this article, we covered many ways to reduce 2010 Dodge Ram Pickup 2500 insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest prices come from a lesser-known regional company.

Cost effective 2010 Dodge Ram Pickup 2500 insurance can be bought on the web and from local agencies, so you need to quote insurance with both in order to have the best chance of saving money. Some auto insurance companies may not offer rates over the internet and many times these regional carriers sell through independent agents.

As you quote insurance, never reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage only to find out they didn’t have enough coverage. Your objective should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

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