2011 Dodge Ram Pickup 2500 Car Insurance Cost in 2024 – 7 Tricks for Cheaper Prices

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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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Looking for better auto insurance rates? Shoppers have many options when shopping for the lowest priced Dodge Ram Pickup 2500 insurance. You can either waste hours calling around getting price quotes or utilize the internet to compare rates. There is a better way to buy auto insurance and we’ll show you the proper way to get price quotes on a Dodge and obtain the cheapest rates from local insurance agents and online providers.

How to buy insurance online

Getting a low cost price on 2011 Dodge Ram Pickup 2500 insurance can be quick and easy. You just have to spend a few minutes comparing free insurance coverage quotes from different insurance companies. This can be accomplished using one of these methods.

  1. The simplest way consumers can analyze rates is to use a rate comparison form. This method saves time by eliminating separate quotes for every company. One quote request gets coverage cost estimates from all major companies. It’s the quickest way to get rates.
  2. A less efficient way to find lower rates is to manually visit the website for every company you want to compare to complete their respective quote request forms. For examples sake, we’ll assume you want rates from Nationwide, Farmers and State Farm. In order to get each rate, you would have to visit each site and enter your policy data, which is why the first method is more popular.
  3. The least efficient and most time consuming way to get price estimates is driving around to all the different insurance agencies. Comparing rate quotes online eliminates the middleman unless you have a complicated situation and need the professional advice that you can only get from talking to an agent. However, consumers can obtain prices from the web and still use a local agent.

It doesn’t matter which method you choose, just make sure you compare the same coverages and limits on every price quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to decipher which rate is best.

Discounts can really help to save

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. Many of these discounts will be applied automatically at the time of purchase, but a few must be requested specifically before being credited.

  • Good Student Discount – This discount may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you well after school through age 25.
  • Discount for Switching Early – A few larger companies give discounts for switching companies prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
  • Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance coverage quote.
  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Telematics Data Discounts – Drivers that enable driving data submission to look at driving patterns by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
  • Low Mileage Discounts – Keeping the miles down on your Dodge may allow you to get lower insurance coverage rates due to less chance of an accident.
  • Mature Driver Discount – Drivers over the age of 55 are able to get a small decrease in premiums for Ram pickup insurance.

Keep in mind that most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will bring down the cost of your policy.

Popular insurance coverage companies and some of the discounts are included below.

  • GEICO offers discounts including multi-vehicle, emergency military deployment, seat belt use, membership and employees, and anti-lock brakes.
  • Travelers includes discounts for new car, payment discounts, hybrid/electric vehicle, student away at school, driver training, and IntelliDrive.
  • Farm Bureau has discounts for 55 and retired, safe driver, multi-vehicle, good student, renewal discount, driver training, and youthful driver.
  • Liberty Mutual may include discounts for good student, multi-car, hybrid vehicle, new vehicle discount, new graduate, and preferred payment discount.
  • American Family may offer discounts for mySafetyValet, air bags, TimeAway discount, good student, and accident-free.
  • Progressive may have discounts that include homeowner, multi-vehicle, online signing, multi-policy, and good student.

Check with every prospective company the best way to save money. Some credits might not be available to policyholders in every state.

Will just any policy work for me?

When it comes to buying coverage, there really is no cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight if your insurance needs might need professional guidance.

  • Do I need rental car coverage?
  • Is my custom paint covered by insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I still get insurance after a DUI?
  • What is the ISO rating for a 2011 Dodge Ram Pickup 2500?
  • What are the best liability limits?
  • Who is covered by my policy?
  • When can I cancel my policy?
  • Am I better off with higher deductibles on my 2011 Dodge Ram Pickup 2500?
  • If my 2011 Dodge Ram Pickup 2500 is totaled, can I afford another vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, fire damage, hitting a bird and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2011 Dodge Ram Pickup 2500.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

This can cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as legal defense fees, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Auto collision coverage

This coverage pays for damage to your Ram Pickup 2500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like chiropractic care, X-ray expenses, EMT expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

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