2022 Dodge Ram Pickup 2500 Insurance Rates in 2024 – 8 Tips for Cheaper Quotes

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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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Trying to come up with a payment for overpriced car insurance can take a big chunk out of your accounts and force you to make tough financial choices. Price shopping at each renewal is a great way to make sure you’re not throwing money away.

Many auto insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer to get the cheapest price

If you have insurance now or need new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Drivers only need an understanding of the best way to get comparison rates online.

Cheap insurance coverage

Finding a better price on insurance coverage is not rocket science. All you need to do is spend a few minutes on the computer comparing free insurance quotes from different insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

  1. The recommended way to compare a lot of rates at once is an all-inclusive rate comparison. This type of form eliminates the need for repetitive form entry for each price estimate. One quote request gets rate comparisons direct from many companies.
  2. A less efficient way to analyze rates requires a visit to each company website and repeat the quote process. For examples sake, let’s say you want to get rates from State Farm, 21st Century and American Family. You would have to go to each individual site and enter your policy data, which is not fast way to get rate quotes.

You can use whichever method you prefer to find lower rates, just be sure to compare the same coverages on every quote. If you are comparing different liability limits you will not be able to determine the best price for your Dodge Ram Pickup 2500.

Affordable insurance rates with discounts

Some providers don’t always advertise every possible discount in an easy-to-find place, so the list below details both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

  • Multiple Cars – Drivers who insure all your vehicles with the same insurance company can get a discount for every vehicle.
  • Multi-line Discount – Insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
  • Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance quote. This discount can apply up until you turn 25.
  • Accident Forgiveness Coverage – Not a discount per se, but companies like Allstate and GEICO will forgive one accident without the usual rate increase with the catch being you have to be claim-free before the accident.
  • Low Mileage Discounts – Fewer annual miles on your Dodge may allow you to get lower prices due to less chance of an accident.
  • 55 and Retired – Older drivers can possibly qualify for better insurance rates for Ram pickup coverage.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Online Discount – Many companies will give you a small discount get insurance on the web.

One last thing about discounts, most discount credits are not given to the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, you’re out of luck.

A list of insurance companies and some of the premium reductions they offer are detailed below.

  • GEICO may offer discounts for five-year accident-free, emergency military deployment, defensive driver, air bags, driver training, and anti-theft.
  • Mercury Insurance may have discounts that include good student, age of vehicle, type of vehicle, good driver, multi-car, and professional/association.
  • Farmers Insurance offers discounts for mature driver, electronic funds transfer, bundle discounts, early shopping, distant student, good student, and youthful driver.
  • Auto-Owners Insurance may include discounts for paperless, safe vehicle, teen driver, student away at school, and good student.
  • Liberty Mutual policyholders can earn discounts including multi-car, new move discount, multi-policy, preferred payment discount, hybrid vehicle, and exclusive group savings.
  • SAFECO offers premium reductions for bundle discounts, drive less, teen safety rewards, accident prevention training, homeowner, teen safe driver, and multi-car.
  • Progressive includes discounts for multi-vehicle, multi-policy, continuous coverage, good student, homeowner, and online signing.
  • USAA has savings for multi-policy, driver training, military installation, new vehicle, and loyalty savings.

If you need inexpensive insurance quotes, ask all companies you are considering which discounts can lower your rates. Some discounts may not apply in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Can I afford to buy a different vehicle if my 2022 Dodge Ram Pickup 2500 is totaled?
  • What is PIP insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need medical payments coverage since I have good health insurance?
  • Where can I find DUI or SR-22 insurance?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Are you falling for claims of savings?

Consumers can’t get away from ads that claim the cheapest prices from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim of big savings just by moving your coverage to them.

It sounds good, but how can they all give you a better price?

All companies give the best rates for a prospective insured that will not have excessive claims. For example, a desirable insured should be over the age of 50, has no claims, and drives a vehicle with a low ISO rating. A driver that hits that “sweet spot” receive the lowest rate quotes and is almost guaranteed to save when they switch companies.

Potential customers who don’t meet the requirements will probably have to pay higher prices with the end result being business not being written. The ads say “drivers that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can confidently make claims that they all have the best prices.

This really drives home the point why you really should do a quote comparison often. It is impossible to guess which insurance companies will fit your personal profile best.

The coverage is in the details

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your 2022 Dodge Ram Pickup 2500.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage covers damage to your Ram Pickup 2500 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, rolling your car, hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for funeral costs, chiropractic care, ambulance fees, pain medications and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, vandalism, damage from getting keyed and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This provides protection from damage or injury you incur to a person or their property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, repair bills for other people’s vehicles and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

More quotes mean more savings

More affordable car insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not have online quoting and these small, regional companies sell through independent insurance agents.

We’ve covered a lot of techniques to compare 2022 Dodge Ram Pickup 2500 insurance auto insurance rates online. It’s most important to understand that the more you quote insurance, the better your comparison will be. Drivers may discover the biggest savings come from an unexpected company. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

As you prepare to switch companies, never skimp on coverage in order to save money. In many cases, an insured cut physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage for the lowest price.

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