9 Tricks Shown to Save on Dodge Ram 1500 Mega Cab Pickup Car Insurance Premiums

Shoppers have a choice when shopping for the best price on Dodge Ram 1500 Mega Cab Pickup insurance. They can either waste time calling around getting price quotes or use the internet to compare rates.

There are more efficient ways to shop for car insurance and we’ll show you the proper way to quote coverages on a Dodge and find the best price possible from both online companies and local agents.

Free Quotes for Car Insurance

Most companies like Progressive, GEICO, Allstate and State Farm allow you to get pricing on their websites. Obtaining pricing is fairly simple as you simply enter your personal and coverage information into the quote form. When the form is submitted, their rating system orders reports for credit and driving violations and generates a price.

This simplifies rate comparisons, but the time required to go to each company’s website and repetitively type in the same information can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for better prices.

The smarter way to find better car insurance pricing uses one simple form to get prices from several companies at one time. The form is fast, eliminates repetitive work, and makes rate comparisons a lot less work. As soon as the form is sent, it is quoted and you can choose any or none of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. This process takes less than 15 minutes and you will find out if you’re overpaying now.

To quickly get comparison pricing now, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you replicate as shown on your current policy. This ensures you’re receiving an apples-to-apples comparison based on the exact same insurance coverage.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all make an identical promise of big savings after switching to their company.

How can each company claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. An example of a preferred risk might be profiled as between 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Consumers who do not match these standards will be quoted a higher premium and this can result in business going elsewhere. The ads say “customers that switch” not “everybody who quotes” save that much. That is how insurance companies can state the savings.

This emphasizes why it is so important to compare as many rates as you can. It’s not possible to predict which insurance companies will give you the biggest savings.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but some must be requested specifically prior to receiving the credit. If you don’t get every credit possible, you are paying more than you should be. auto insurance

  • Organization Discounts – Being a member of a qualifying organization could trigger savings on your policy for Ram Mega Cab pickup insurance.
  • Auto/Life Discount – Larger companies have a discount if you purchase auto and life insurance together.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • 55 and Retired – Mature drivers may qualify for reduced rates for Ram Mega Cab pickup insurance.
  • Accident Waiver – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Ram Mega Cab pickup insurance than drivers with accident claims.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Driver’s Ed – Have your child enroll in driver’s education in school.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Just because you may think you can get free auto insurance, car insurance companies aren’t that generous. Any amount of discount will cut your premiums.

For a list of companies with the best car insurance discounts, click this link.

When should I talk to an agent?

When it comes to buying the best car insurance coverage, there really is no perfect coverage plan. Each situation is unique.

For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Am I covered if I crash into my own garage door?
  • What are the financial responsibility laws in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When would I need rental car insurance?
  • Will my rates increase for filing one claim?
  • Does my Dodge Ram 1500 Mega Cab Pickup need full coverage?
  • Can I still get insurance after a DUI?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when delivering products for my home-based business?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Car insurance policy coverages for a Dodge Ram 1500 Mega Cab Pickup

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram 1500 Mega Cab Pickup.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.

Coverage for liability – Liability insurance protects you from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like loss of income, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage – Collision coverage pays for damage to your Ram 1500 Mega Cab Pickup resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, crashing into a building, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for hospital visits, prosthetic devices and pain medications. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, falling objects and fire damage. The maximum payout 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.

Keep this in mind

Throughout this article, we presented quite a bit of information on how to lower your Dodge Ram 1500 Mega Cab Pickup insurance rates. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a lesser-known regional company.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

The cheapest Dodge Ram 1500 Mega Cab Pickup insurance is attainable online and with local insurance agents, and you need to price shop both to have the best selection. Some companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.