2018 Dodge Ram Pickup 1500 Car Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 8, 2024

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There isn’t a single person who anticipates paying for auto insurance, especially when they are aware that they could get a better deal.

With consumers having so many companies and agents to choose from, it can be hard to find the cheapest insurance company.

This information will help educate you on how to get online quotes. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Although consumers should learn how big insurance companies price online insurance and use this information to your advantage.

How to get auto insurance rate quotes

There are a variety of methods you can shop for auto insurance and some are less labor-intensive and much quicker. You could spend your day driving to local insurance agents in your area, or you can utilize the web to quickly compare rates.

All the larger companies take part in a program where prospective buyers send in one quote, and each participating company can give them a price based on the submitted data. This system prevents you from having to do quote forms to each company.

To find out how much you’re overpaying now enter your zip code here.

The only downside to getting quotes like this is you are unable to specify the companies you want to price. So if you prefer to pick specific providers to receive pricing from, we have a page of companies who write auto insurance in your area. Click to enter zip code for insurance companies.

It’s up to you how you get prices quotes, just do your best to enter exactly the same coverage data for each comparison quote. If the quotes have differing limits you can’t possibly truly determine the lowest rate. Quoting even small variations in coverage limits can result in a big premium difference. It’s important to know that quoting more will improve the odds of getting more affordable insurance. Not every company provides price estimates online, so you should also compare price quotes from the smaller companies as well.

Discount car insurance quotes

Some companies do not advertise their entire list of discounts very well, so here is a list some of the more common in addition to some of the lesser obvious discounts that you may qualify for. If you’re not getting every credit possible, you may be paying too high a price.

  • Professional Memberships – Joining specific professional or occupational memberships or organizations can get you a small discount on your next car insurance statement.
  • Drive Less and Save – Driving fewer miles could qualify for cheaper premium rates.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get better car insurance rates for Ram pickup coverage.
  • Accident Free – Drivers who stay claim-free get the best car insurance rates in comparison to drivers who are more careless.
  • Military Deployment Discount – Being on active duty in the military could mean lower rates.
  • Accident Forgiveness – This one isn’t a discount, but some insurance companies will forgive one accident before they charge you more for coverage if your claims history is clear for a specific time period.
  • Auto/Home Discount – When you combine your homeowners and auto insurance and place coverage with the same company you may earn 10% to 20% off each policy.
  • Life Insurance Discount – Select companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
  • Safe Drivers – Insureds who avoid accidents may receive a discount up to 45% for Ram pickup coverage compared to accident prone drivers.

Remember that most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.

Large car insurance companies and a selection of discounts can be found below.

  • Esurance has savings for emergency road assistance, online quote, claim free, anti-lock brakes, DriveSense, safety device, and online shopper.
  • The Hartford offers discounts for driver training, good student, air bag, bundle, defensive driver, anti-theft, and vehicle fuel type.
  • AAA includes discounts for AAA membership discount, education and occupation, good driver, multi-car, good student, and pay-in-full.
  • GEICO offers discounts including multi-policy, defensive driver, anti-lock brakes, daytime running lights, seat belt use, good student, and five-year accident-free.
  • State Farm may have discounts that include multiple policy, anti-theft, passive restraint, Steer Clear safe driver discount, defensive driving training, multiple autos, and student away at school.

It’s a good idea to ask every company to give you their best rates. A few discounts might not be available to policyholders in every state. If you would like to see a list of insurance companies who offer discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. These are some specific questions can help discover if your insurance needs will benefit from professional help.

  • When would I need additional glass coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need replacement cost coverage on my 2018 Dodge Ram Pickup 1500?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Which companies will insure high-risk drivers?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete your zip code.

Save money with these tips

Part of the insurance buying process is learning the factors that play a part in calculating your policy premiums. If you understand what controls the rates you pay, this enables you to make decisions that will entitle you to lower insurance prices.

  • Policy add-ons may be wasting money – There are quite a few add-on coverages you can purchase but may not be useful. Coverages for roadside assistance, high-cost glass coverage, and additional equipment coverage are examples of these. You may think they are a good idea at first, but if you have no use for them eliminate them to save money.
  • Bundle policies to earn discounts – Some insurance companies will give lower prices to clients who buy several policies from them such as combining an auto and homeowners policy. Even if you qualify for this discount already, drivers will still want to comparison shop to ensure the best deal. Drivers may still save even more than the discount by insuring with multiple companies.
  • Safety first – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce the chance of injuries and fewer injuries means lower claim amounts and lower rates for you.
  • Never go without insurance – Driving without insurance can get your license suspended and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance could result in fines and jail time.

Insurance coverage options for a Dodge Ram Pickup 1500

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, a broken windshield and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision insurance covers damage to your Ram Pickup 1500 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 coverage protects against claims such as driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage – Liability insurance can cover damage or injury you incur to other people or property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to 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. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as structural damage, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, pain medications, prosthetic devices, doctor visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

And the best car insurance company is…

Budget-conscious 2018 Dodge Ram Pickup 1500 insurance is attainable from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not have internet price quotes and many times these smaller providers prefer to sell through independent insurance agents.

We’ve covered a lot of techniques to reduce 2018 Dodge Ram Pickup 1500 insurance car insurance rates online. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the most savings is with an unexpected company. They may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

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