2016 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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Looking for lower insurance rates? Shoppers have lots of choices when shopping for affordable Dodge Ram Pickup 2500 insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to get rate quotes.

There are both good and bad ways to compare insurance rates and we’ll show you the best way to compare rates for a Dodge and locate the best price possible either online or from local insurance agents.

The quickest method we recommend to compare insurance rates from multiple companies is to know the trick most of the bigger providers pay for the opportunity to provide you with free rate quotes. The only thing you need to do is provide details including how much coverage you want, if you’re married, if you have an active license, and your occupation. Your information gets transmitted to multiple different insurance companies and you should receive rate quotes with very little delay.

Big brands don’t always mean big savings

Consumers can’t get away from all the ads for cheaper insurance by companies like Progressive, Allstate and GEICO. They all say the same thing of big savings if you get a free car insurance quote and switch your insurance policy to them.

How is it plausible that every one can claim to save you money? This is the way they can do it.

Most companies have specific criteria for the type of driver that is profitable for them. An example of a profitable risk profile could be over the age of 45, carries full coverage, and drives less than 7,500 miles a year. A prospective insured who meets those qualifications will qualify for the lowest car insurance rates and as a result will probably save a lot if they switch.

Drivers who cannot meet those standards may be forced to pay higher rates with the end result being the customer not buying. If you listen closely, the ads state “customers that switch” not “all people who quote” save that kind of money. That’s why companies can lure you into getting a quote.

This really drives home the point why you really should get as many free car insurance quotes as possible. Because you never know which insurance company will have the best premium rates for your profile.

The Dodge Ram Pickup 2500 insurance price equation

Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic such as your driving history, but other criteria are not as apparent such as your credit history or your financial responsibility. Consumers need to have an understanding of the different types of things that are used to determine your premiums. If you have a feel for what impacts premium levels, this enables you to make decisions that can help you get much lower annual insurance costs.

The list below includes some of the most common factors insurance coverage companies consider when setting prices.

  • Continuous insurance coverage coverage saves money – Letting your insurance expire can be a guaranteed way to increase your rates. And not only will insurance be more expensive, the inability to provide proof of insurance might get you a license revocation or jail time.
  • Teenagers vs. older drivers – Drivers with little experience have a tendency to be inattentive and easily distracted behind the wheel and because of this, their insurance coverage rates are much higher. Mature drivers are shown to be more cautious, are lower risk to insure and are safer drivers.
  • Rental and towing coverage may not be needed – There are a ton of extra bells and whistles you can purchase if you aren’t careful. Insurance for things like vanishing deductibles, high-cost glass coverage, and extra life insurance coverage are examples of these. They may seem good when discussing your needs, but if you don’t need them eliminate the coverages to reduce your premium.
  • Cautious drivers pay less – How you drive impacts premiums far more than you think. Having just one driving citation can bump up the cost forty percent or more. Attentive drivers get better prices than their less careful counterparts. Drivers who have flagrant violations such as reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state in order to drive a vehicle legally.
  • Prevent theft and lower prices – Selecting a car model with advanced anti-theft systems can help bring down rates. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.

Drivers save money with with these discounts

Companies don’t always list their entire list of discounts very clearly, so we took the time to find a few of the more well known and the more hidden discounts that you can inquire about if you buy car insurance online.

  • Drivers Education – Have your child successfully complete driver’s ed class as it can save substantially.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for Ram pickup insurance with certain companies.
  • Multi-policy Discount – If you can combine your auto and homeowners policy with the same insurance company you could save over 10 percent off each policy depending on the company.
  • Drive Less and Save – Keeping the miles down on your Dodge may allow you to get lower prices due to less chance of an accident.
  • Good Student – Being a good student may save you up to 25%. This discount can apply until age 25.
  • E-sign – A few auto insurance companies will give you a small discount shop car insurance online.

Consumers should know that most credits do not apply to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky.

Auto insurance companies that have most of these discounts include:

  • American Family
  • State Farm
  • 21st Century
  • Travelers

It’s a good idea to ask all companies you are considering to apply every possible discount. Depending on the company, some discounts may not apply everywhere.

Your situation helps dictate your coverage

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions might help in determining whether or not you could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Can my babysitter drive my car?
  • What can I do if my company won’t pay a claim?
  • Is my teen driver covered when they drive my company car?
  • Does medical payments coverage apply to all occupants?
  • What if I total my 2016 Dodge Ram Pickup 2500 and owe more than it’s worth?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out your zip code. It only takes a few minutes and you can get the answers you need.

Insurance specifics

Learning about specific coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical expense coverage

Med pay and PIP coverage kick in for bills like rehabilitation expenses, prosthetic devices, ambulance fees, X-ray expenses and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, emergency aid and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, fire damage and falling objects. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This pays for damage to your Ram Pickup 2500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 2500.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

A little work can save a LOT of money

In this article, we covered a lot of tips how to reduce 2016 Dodge Ram Pickup 2500 insurance rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheap car insurance. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

Cost effective 2016 Dodge Ram Pickup 2500 insurance can be sourced online and from local insurance agents, so get free car insurance quotes from both of them to have the best selection. There are still a few companies who may not offer online quoting and usually these smaller companies provide coverage only through independent agents.

When you buy car insurance online, make sure you don’t reduce needed coverages to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

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