2024 Dodge Ram Pickup 2500 Car Insurance Rates – 9 Savings Tips

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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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I can’t think of a single person who looks forward to buying car insurance, in particular when the prices are way too high.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ad campaigns and consumers find it hard to sift through the bull and find the best price available.

It’s a great practice to compare rates before your next renewal because rates are variable and change quite frequently. Despite the fact that you may have had the best rate on Ram pickup insurance last year you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to learn the tricks you need to know to find better rates and still maintain coverage.

Buy insurance online

Effectively comparing insurance prices can take hours if you don’t understand the easiest way. You can spend countless hours talking to insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

All the larger companies take part in a program where prospective buyers submit one quote, and each participating company then returns a price quote. This saves time by eliminating quotation requests for every insurance company.

To participate in this free quote system, enter your zip code here.

The one downside to pricing coverage this way is that consumers can’t choose the companies to get pricing from. So if you prefer to choose specific providers to compare prices, we have a page of insurance companies in your area. Click to enter zip code.

Compare rates however you want, just ensure you are comparing equivalent coverages and limits with every price quote. If you enter unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Dodge Ram Pickup 2500. Even a minor difference in insurance coverages or limits can make a big difference in price. And when price shopping your coverage, making a lot of price comparisons provides better odds of finding the best offered rates.

Take advantage of these nine rate-reducing discounts

Buying insurance coverage is not cheap, but you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be manually applied before being credited.

  • Discounts for Federal Employees – Being employed by or retired from a federal job can save as much as 8% on Ram pickup insurance but check with your company.
  • Senior Citizens – Drivers that qualify as senior citizens may be able to get reduced rates on Ram pickup insurance.
  • Fewer Miles Equal More Savings – Driving fewer miles could earn lower premium rates on the low mileage vehicles.
  • E-sign Discounts – A few larger online companies will give you a small discount for signing up over the internet.
  • Own a Home – Simply owning a home may earn you a small savings since home ownership means you have a higher level of financial diligence.
  • Club Memberships – Having an affiliation with a professional or civic organization could earn you a nice discount when getting a car insurance quote.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
  • Accident Free – Drivers who don’t have accidents get the best insurance coverage rates in comparison to frequent claim filers.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more on Ram pickup insurance than less cautious drivers.

One last thing about discounts, most discount credits are not given to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will bring down the premium cost.

A list of insurance coverage companies and their offered discounts are shown below.

  • Travelers policyholders can earn discounts including multi-policy, IntelliDrive, early quote, hybrid/electric vehicle, student away at school, and save driver.
  • 21st Century offers discounts for air bags, 55 and older, early bird, homeowners, student driver, automatic seat belts, and good student.
  • State Farm may include discounts for driver’s education, good driver, multiple autos, accident-free, anti-theft, and Steer Clear safe driver discount.
  • GEICO may have discounts that include multi-policy, emergency military deployment, military active duty, seat belt use, anti-theft, and driver training.
  • SAFECO has discounts for safe driver, teen safety rewards, multi-car, teen safe driver, bundle discounts, accident prevention training, and homeowner.
  • AAA discounts include pay-in-full, multi-policy, multi-car, education and occupation, anti-theft, and good driver.

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Some discounts listed above might not apply in your area. To locate insurers that can offer you the previously mentioned discounts, enter your zip code here.

Do I need special coverages?

When buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you may require specific advice.

  • Is business property covered if stolen from my car?
  • Does insurance cover tools stolen from my truck?
  • Am I covered when driving someone else’s vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my ex-spouse still covered by my policy?
  • Is my Dodge Ram Pickup 2500 covered if I use it for business?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if hit by an uninsured driver?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out your zip code.

Car insurance coverage information

Learning about specific coverages of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from flooding and theft. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

Collision coverage covers damage to your Ram Pickup 2500 resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, driving through your garage door, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Dodge Ram Pickup 2500.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

This coverage will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability insurance covers claims such as legal defense fees, emergency aid, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, ambulance fees, nursing services, pain medications and surgery. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

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