Lower Your 2013 Dodge Ram Pickup 2500 Insurance Rates 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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Getting budget-priced insurance on the internet can appear to be somewhat intimidating for vehicle owners not familiar with comparing and buying insurance over the internet. With so many options of insurers to choose from, how are vehicle owners able to possibly compare them all to find the lowest rates?

It is always a good idea to price shop coverage periodically because prices are rarely the same from one policy term to another. Just because you found the best rate on Ram pickup insurance a year ago you will most likely find a better premium rate today. Ignore everything you know about insurance because you’re going to learn the right way to find better rates and still maintain coverage.

The purpose of this article is to help educate you on the most effective way to quote insurance. If you have car insurance now, you will be able to lower your premiums substantially using this information. But consumers do need to understand how insurance companies price insurance differently.

Affordable insurance quotes with discounts

Insurance can cost an arm and a leg, but there could be significant discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to getting the savings.

  • Discount for Low Mileage – Fewer annual miles on your Dodge may allow you to get discounted rates on garaged vehicles.
  • Military Discounts – Being deployed with a military unit can result in better insurance rates.
  • Sign Online – Certain companies provide a small discount simply for signing over the internet.
  • Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • No Charge for an Accident – Not necessarily a discount, but some companies like Progressive, State Farm and GEICO will forgive one accident without raising rates with the catch being you have to be claim-free prior to the accident.
  • Club Memberships – Participating in a civic or occupational organization is a good way to get lower rates on insurance.
  • 55 and Retired – If you’re over the age of 55, you may qualify for lower premium rates on Ram pickup insurance.
  • Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any amount of discount will definitely lower the cost of coverage.

A few companies that possibly offer these benefits may include but are not limited to:

  • 21st Century
  • Progressive
  • State Farm
  • Nationwide
  • Esurance
  • The Hartford

It’s a good idea to ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered in your area. To locate insurance companies that offer many of these discounts, enter your zip code here.

Seven things that impact your insurance rates

Part of the insurance coverage buying process is learning the factors that go into determining your premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that can earn you much lower annual insurance costs.

The factors shown below are just a few of the factors used by your company to calculate rates.

  • Tickets inflate prices – Your driving record impacts premiums far more than you think. Even a single moving violation could increase your next policy renewal by as much as thirty percent. Good drivers get better rates than bad drivers. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state’s licensing department in order to legally drive.
  • Males pay more for insurance – Over time, data shows that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both are responsible for at-fault accidents at about the same rate, but males have costlier accidents. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident so they pay the highest premiums.
  • Get better premiums if you’re married – Being married may save some money on insurance coverage. Having a spouse generally demonstrates drivers are more mature and responsible and statistics prove married drivers get in fewer accidents.
  • City traffic equals higher costs – Choosing to live in less populated areas of the country is a good thing when buying insurance coverage. Residents of big cities tend to have more auto accidents and a longer drive to work. Fewer drivers means fewer accidents in addition to lower liability claims
  • Only buy incidental coverages you need – Insurance companies have many add-on coverages that can add up when buying insurance coverage. Add-on coverages like replacement cost coverage, accident forgiveness, and term life insurance are probably not needed. The coverages may be enticing when deciding what coverages you need, but if you have no use for them get rid of them and save.
  • Liability protection is cheap – Liability coverage is the protection when you are found liable for physical damage or personal injury to other. Your liability coverage provides you with a defense in court which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so do not cut corners here.
  • How many coverages with the same company – Some insurance coverage companies afford a discount to policyholders that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to check prices from other companies to help ensure you have the lowest rates.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different.

These are some specific questions may help highlight if your situation might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I bundle my homeowners policy with my auto?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if I drive in a foreign country?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete your zip code.

Save $416 a year? Really?

Insurance providers like Allstate, GEICO and Progressive consistently run ads on TV and radio. All the ads try to convey promises that drivers will save a bundle if you just switch your coverage. But how can every company charge you a lower premium? It’s all in the words they use.

Companies have underwriting criteria for the type of insured that will not have excessive claims. For example, a profitable insured might be over age 30, is a homeowner, and has a short commute. A prospective insured that fits those parameters will get a cheap rate quote and will also save money with a new company.

Consumers who do not meet these stringent criteria will probably be forced to pay higher prices which results in the driver buying from a lower-cost company. If you listen closely, the ads state “people who switch” not “everyone who quotes” save that much when switching. That’s why companies can truthfully claim big savings.

Different companies use different criteria so you really need to compare quotes as often as possible. It’s impossible to know the company that will have the best premium rates.

Coverage specifics

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, a tree branch falling on your vehicle and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 2500.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other people or property. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as surgery, chiropractic care, EMT expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Shop around and save

You just read quite a bit of information on how to save on 2013 Dodge Ram Pickup 2500 insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising.

Drivers leave their current company for any number of reasons including poor customer service, lack of trust in their agent, high prices or even policy cancellation. Regardless of your reason, finding a new company is easier than you think.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, drivers have reduced full coverage to discover at claim time they didn’t have enough coverage. The aim is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

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