How Much Does 2021 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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Consumers have lots of choices when looking for low-cost Dodge Ram Pickup 2500 insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates.

There is a better way to buy insurance coverage so you’re going to learn the quickest way to compare rates for your Dodge and locate the lowest price from local insurance agents and online providers.

It’s a good idea to compare premium rates as often as possible because prices change quite often. Even if you got the lowest price for Ram pickup coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the fastest and easiest way to find lower rates on insurance coverage.

If you are insured now or are shopping for new coverage, you will benefit by learning to find better prices and possibly find even better coverage. This information will help educate you on how to get online quotes and some tips to save money. Drivers just need to understand the most effective way to compare prices online.

How to lower your car insurance cost

Most major insurance companies make it easy to get prices for coverage directly from their websites. Comparing prices online is fairly straightforward as you simply type in the amount of coverage you want as requested by the quote form. After the form is submitted, their rating system sends out for your driving record and credit report and quotes a price determined by many factors.

Online price quotes makes comparing rates easy, but having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s very important to have as many quotes as possible in order to get the lowest car insurance rates.

A quicker way to get multiple rate quotes requires only one form that gets prices from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much simpler. After sending your information, it is rated and you can select any one of the pricing results.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.

If you want to find out how much you can save on car insurance, simply enter your zip code here and complete the simple form. If you have coverage now, it’s recommended you copy the insurance coverages exactly as they are listed on your policy. This ensures you will be getting a rate comparison based on the exact same insurance coverage.

Use discounts to get cheaper insurance coverage quotes

Insurance coverage is not cheap nor is it fun to buy but you may find discounts that you may not know about. Many discounts should be triggered at the time you complete a quote, but some need to be asked for before you get the savings.

  • Accident Forgiveness Coverage – This one is not really a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual permit an accident before raising your premiums if your claims history is clear prior to being involved in the accident.
  • Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for newer vehicles.
  • Distant Student – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower insurance coverage rates.
  • Telematics Data – Drivers who agree to allow driving data submission to analyze their driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they have good driving habits.
  • Professional Organizations – Participating in a professional or civic organization could qualify you for a break on insurance coverage.
  • Sign Online – A few insurance companies may give you up to $50 for completing your application over the internet.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Multiple Vehicles – Buying insurance for primary and secondary vehicles on a single policy qualifies for this discount.
  • Pay Upfront and Save – By making one initial payment rather than spreading payments over time you can avoid the installment charge.

A little note about advertised discounts, most discount credits are not given to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Some companies that may offer quotes with most of the discounts above possibly include:

  • Esurance
  • The Hartford
  • AAA
  • State Farm

When quoting, ask every company the best way to save money. Discounts may not apply to policies in your area.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Is upholstery damage covered by car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage when pulling a U-Haul trailer?
  • How do I file an SR-22 for a DUI in my state?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I drive in a foreign country?
  • What is no-fault insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I buy a commercial auto policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance specifics

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Liability insurance – Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles, medical services and bail bonds. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Collision – Collision insurance covers damage to your Ram Pickup 2500 from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a building, crashing into a ditch, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses like prosthetic devices, EMT expenses, chiropractic care and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 2500.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, hitting a deer, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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