Compare 2024 Dodge Ram Pickup 1500 Insurance 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: Jun 8, 2024

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Want better auto insurance rates? Drivers have a choice when trying to find the best price on Dodge Ram Pickup 1500 insurance. They can either waste time calling around trying to get quotes or use the internet to compare rates.

There is a better way to compare auto insurance rates and you need to know the proper way to get price quotes on a Dodge and find the best price possible from local insurance agents and online providers.

How to get cheap insurance coverage

Cutting your insurance coverage rates is actually easier than you may think. The only thing you need to do is take the time comparing rates to find. This is very easy and can be done in several different ways.

  1. The recommended way consumers can make multiple comparisons is a comparison rater form. This style of form keeps you from doing repetitive form submissions for each price estimate. Completing one form gets you coverage quotes from multiple companies. Just one form and you’re done.
  2. A less efficient way to find more affordable insurance requires visiting the website for every company you want to compare and go through the quote process again. For examples sake, we’ll pretend you want to compare rates from Farmers, GEICO and State Farm. You would have to navigate to each company’s site and enter your policy data, which is why first method is recommended.

Compare rates however you want, just compare the same coverage limits for every company. If you use different liability limits then you won’t be able to find the best deal for your Dodge Ram Pickup 1500.

Lower your insurance rates

Lots of things are taken into consideration when pricing auto insurance. Most are fairly basic like a motor vehicle report, but others are more obscure like where you live and annual miles driven.

  • Rural areas have lower premiums – Residing in less populated areas has it’s advantages when trying to find low car insurance rates. City drivers regularly have traffic congestion and longer commute times. Less people means fewer accidents and a lower car theft rate.
  • Long commutes cost more – The more miles you rack up on your Dodge each year the more you will pay for insurance. A lot of insurance companies charge to insure your cars based on how the vehicle is used. Cars left parked in the garage can be on a lower rate level than those used for commuting. Ask your agent if your policy shows how each vehicle is driven. Having an incorrect usage rating on your Ram Pickup 1500 is just wasting money.
  • Higher premiums for demanding jobs – Did you know your job can affect your rates? Occupational choices like doctors, police officers and dentists tend to have higher premiums than the average policyholder because of high stress and lots of time spent at work. On the flip side, jobs such as farmers, athletes and retirees pay the least on Ram pickup coverage.
  • Being married can save on insurance – Being married may earn you lower rates when shopping for insurance. It translates into being less irresponsible and insurance companies reward insureds because being married results in fewer claims.
  • Safer the car lower the rate – Vehicles with good safety scores tend to be cheaper to insure. The safest vehicles reduce injuries and any reduction in injury severity means your insurance company pays less which can mean better rates for you. If your Dodge Ram Pickup 1500 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Liability protection risk factors in – Liability coverage is the coverage that protects you in the event that you are determined to be liable for causing personal injury or damage in an accident. Liability insurance provides for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to other policy coverages, so do not skimp.

Lower-cost auto insurance quotes with discounts

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so below is a list a few of the more well known in addition to some of the lesser obvious credits that may apply to you. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

  • Drivers Education – Have your child participate in a local driver’s education class if it’s offered in school.
  • Own a Home – Just being a homeowner can save you money because owning a home requires a higher level of personal finance.
  • Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings of 20 to 30 percent.
  • Sign Early and Save – Some insurance companies provide a discount for buying a new policy early. It’s a savings of about 10%.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.

As a sidenote, most credits do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it just doesn’t work that way.

Some of the larger companies that may have these discounts possibly include:

  • State Farm
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

Double check with each company or agent how you can save money. All car insurance discounts might not be available to policyholders in your area. If you would like to view companies with significant discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

  • When should I drop full coverage on my 2024 Dodge Ram Pickup 1500?
  • Am I missing any policy discounts?
  • Can my teen drive my company car?
  • Does coverage extend to Mexico or Canada?
  • Do I need roadside assistance coverage?
  • Which is better, split liability limits or combined limits?
  • What is covered by UM/UIM coverage?
  • How can I find cheaper teen driver insurance?
  • Should I have a commercial auto policy?
  • What is PIP insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete your zip code. It only takes a few minutes and can provide invaluable advice.

Insurance coverage specifics

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like funeral expenses, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liability limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like chiropractic care, prosthetic devices, funeral costs and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Summing up your car insurance search

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In many cases, someone sacrificed physical damage coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.

We covered a lot of information how to reduce 2024 Dodge Ram Pickup 1500 insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding cheaper car insurance. Consumers may even find the lowest priced car insurance comes from the least-expected company.

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, not issuing a premium refund or even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is less work than it seems.

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