2022 Dodge Ram Pickup 1500 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: Jun 8, 2024

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Searching for better insurance rates for your Dodge Ram Pickup 1500? Paying for overpriced Dodge Ram Pickup 1500 insurance can dry up your family’s budget and make it hard to pay other bills. Comparing price quotes is an excellent way to slash your bill and have more disposable income.

Companies like GEICO and Progressive continually hit you with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Lower-cost auto insurance rates with discounts

Some insurance providers do not advertise every discount very clearly, so the below list has both well-publicized and also the lesser-known credits that may apply to you. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • Discount for Good Grades – This discount may save as much as 25% on a auto insurance quote. The discount lasts well after school through age 25.
  • Multiple Vehicles – Drivers who insure multiple cars or trucks with the same auto insurance company may reduce the rate for each vehicle.
  • Cautious Driver Discounts – Insureds who avoid accidents can pay as much as 50% less for Ram pickup insurance compared to accident prone drivers.
  • Own a Home – Just being a homeowner may earn you a small savings because it means you have a higher level of financial diligence.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
  • Senior Discount – Older drivers may qualify for reduced rates for Ram pickup insurance.
  • Accident Free – Drivers who stay claim-free pay less in comparison to drivers with a long claim history.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, you’re out of luck.

A partial list of companies that possibly offer these discounts may include but are not limited to:

  • Auto-Owners Insurance
  • American Family
  • Esurance
  • Progressive
  • State Farm
  • AAA

If you are trying to find cheap auto insurance quotes, ask each insurance company what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in your area. To locate insurers that offer the discounts shown above, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation might need professional guidance.

  • Do I have coverage when making deliveries for my home business?
  • Is my camper covered by my car insurance policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my teenager covered with friends in the car?
  • Am I covered if I break a side mirror?
  • When should I drop full coverage on my 2022 Dodge Ram Pickup 1500?
  • Is my cargo covered for damage or theft?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete your zip code. It only takes a few minutes and can provide invaluable advice.

Slick advertising tricks that work

Consumers can’t avoid all the ads for cheaper insurance from the likes of 21st Century, Allstate and State Farm. They all advertise the message about saving some big amount just by moving your insurance policy to them.

How does each company have lower policy pricing? This is the way they can do it.

Different companies have a preferred profile for the type of driver that earns them the most money. One example of a desirable insured might be described as over the age of 50, has no claims, and has excellent credit. A prospective insured who fits those characteristics will qualify for the lowest premium rates and is almost guaranteed to cut their rates if they switch.

Consumers who don’t measure up to this stringent profile will be charged more expensive rates with the end result being the customer buying from a different company. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can state the savings. This illustrates why you absolutely need to compare rate quotes every year. It’s just too difficult to predict which company will have better premium rates than you’re paying now.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 1500.

Due to the fact that 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 a good idea.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage covers damage to your Ram Pickup 1500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, scraping a guard rail, driving through your garage door, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like funeral costs, rehabilitation expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability insurance

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, structural damage, funeral expenses, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Buy online or local, you save

When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage for the lowest cost.

In this article, we covered some good ideas how to compare 2022 Dodge Ram Pickup 1500 insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper auto insurance. You may even find the most savings is with an unexpected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

There are still a few companies who don’t offer online quoting and usually these small, regional companies provide coverage only through independent insurance agencies. Cheaper auto insurance can be purchased both online in addition to local insurance agencies, and you need to comparison shop both to have the best selection.

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