How to Get the Absolute Best Rates When Comparing Insurance for a Dodge Ram 1500 Pickup

Are you sick and tired of robbing Peter to pay Paul to insure your Dodge every month? You’re in the same situation as many other consumers.

Big companies like GEICO and Progressive all claim big savings, bombarding you with advertising and it can be hard to ignore the propoganda and do the work needed to find the best deal.

It’s a good idea to compare prices occasionally since rates are usually higher with each renewal. Just because you found the best deal on Ram pickup insurance a few years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to reduce your cost while increasing coverage.

Finding Car Insurance

When shopping for car insurance there are multiple ways of comparing rate quotes from car insurance companies in your area. The easiest way by far to find the cheapest Dodge Ram 1500 Pickup insurance rates consists of shopping online. This can be accomplished using a couple different methods.

  • The first (and easiest) way to get quotes is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating separate quotation requests for every car insurance company. In just a few minutes this one form will return quotes .
  • A less efficient way to find lower rates consists of visiting each company’s website to complete a price quote. For example, we’ll pretend you want rates from Progressive, Farmers and Allstate. You would have to visit each site and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverage information on every quote. If your comparisons have different values for each quote you can’t possibly determine the best price for your Dodge Ram 1500 Pickup. Slightly different insurance coverages may result in large price differences. And when price shopping your coverage, having more price comparisons gives you a better chance of getting lower pricing.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t list every discount very well, so we break down some of the best known and also the lesser-known car insurance savings.

  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
  • Accident Waiver – Certain companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Senior Discount – If you’re over the age of 55, you may qualify for better car insurance rates on Ram pickup insurance.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

insurance for Dodge Ram 1500 Pickup

Do I need special coverages?

When buying the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions can help discover if you might need professional guidance.

  • Where can I get insurance after a DUI in my state?
  • When do I need to add a new car to my policy?
  • Does my Dodge Ram 1500 Pickup need full coverage?
  • Am I covered when driving on a suspended license?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my Dodge Ram 1500 Pickup covered for flood damage?
  • Why am I required to get a high-risk car insurance policy?
  • What can I do if my company won’t pay a claim?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.