2014 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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Want lower auto insurance rates for your Dodge Ram Pickup 2500? Overwhelmed by the number of auto insurance providers? Many other drivers are as well. There are so many choices that it can turn into a challenge to locate the lowest auto insurance rates.

The fastest way that we advise to compare rates is to know the fact auto insurance companies provide online access to compare rate quotes. The one thing you need to do is take a few minutes to give details including your job, how much education you have, your credit rating estimate, and if it has an alarm system. The rating information is then submitted to multiple different insurance companies and they respond with quotes within a short period of time.

Discounts can really help to save

Auto insurance is not an enjoyable expense, but there may be some discounts that could drop your premiums quite a bit. Most are applied when you quote, but some may not be applied and must be inquired about prior to receiving the credit.

  • Save over 55 – If you qualify as a senior citizen, you may receive lower premium rates for Ram pickup coverage.
  • Waiver for an Accident – This one is not really a discount per se, but companies like State Farm and GEICO will allow you to have one accident before raising your premiums if your claims history is clear for a specific time period.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
  • Onboard Data Collection – People who choose to allow companies to study vehicle usage remotely such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
  • Discount for Life Insurance – Larger insurance companies have a lower rate if you buy a life policy as well.
  • Homeowners Discount – Just owning your own home can help you save on auto insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • E-sign Discounts – A few larger online companies provide a small discount for signing up on the internet.
  • Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates for Ram pickup coverage than their less cautious counterparts.
  • Club Memberships – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your policy.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, you’re out of luck.

Some of the insurance companies that may offer these discounts may include but are not limited to:

  • State Farm
  • Progressive
  • 21st Century
  • American Family
  • The Hartford
  • AAA

When quoting, ask all the companies the best way to save money. A few discounts might not apply in your state. If you would like to see a list of providers that have a full spectrum of discounts, enter your zip code here.

Will just any policy work for me?

When buying the right insurance coverage, there really is not a perfect coverage plan. Every situation is different.

Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • Do I need PIP coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 2014 Dodge Ram Pickup 2500 to commute?
  • Does having multiple vehicles earn me a discount?
  • What is the minimum liability in my state?
  • What is covered by UM/UIM coverage?
  • Which companies will insure high-risk drivers?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out your zip code.

Car insurance 101

Understanding the coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, vandalism, fire damage, hail damage and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

This coverage will pay to fix damage to your Ram Pickup 2500 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, hitting a parking meter, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like pain medications, ambulance fees, chiropractic care, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability coverage will cover damage that occurs to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, emergency aid, pain and suffering and medical services. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

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