1996 Dodge Ram Pickup 1500 Insurance Quotes – 8 Discounts for Cheapest Rates

Looking for cheaper insurance coverage rates for your Dodge Ram Pickup 1500? I can’t think of a single person who enjoys paying for insurance coverage, especially when they could get a better deal.

Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies to find the best price available.

How to get low cost auto insurance

When looking for low cost insurance coverage quotes, there are a couple ways to obtain and compare prices from many available auto insurance companies in your state. The best method to find the cheapest 1996 Dodge Ram Pickup 1500 insurance rates consists of shopping online. This is very easy and can be done in a couple minutes as outlined below.

  1. The recommended way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating repetitive form submissions for each company. One form submission compares rates from auto insurance companies with the best prices.
  2. A less efficient way to find more affordable insurance requires a visit to the website for every company you want to comare to complete a price quote. For sake of this example, let’s assume you need rates from Progressive, Farmers and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and repeatedly enter your information, which can take a lot of time. For a list of links to insurance companies in your area, click here.
  3. The final way to get price estimates is actually driving to local insurance agencies. The fact that you can get quotes online can eliminate the need for a local agent unless you’re the type of person who wants the professional abilities of a licensed agent. However, consumers can obtain prices from the web but buy from a local insurance agent.

You can use whichever method you prefer to find lower rates, just ensure you’re using equivalent coverage limits for every quote you compare. If you compare higher or lower deductibles you will not be able to make a fair comparison for your Dodge Ram Pickup 1500. Slightly different insurance coverages could mean much higher rates. Keep in mind that comparing more quotes increases the change that you will find a lower rate than you’re paying now.

Buyer beware of insurance advertising tricks

Big name companies like State Farm, Allstate and GEICO endlessly run ads on TV and radio. They all seem to make the point that people will save just by switching your policy. How can each company claim to save you money? This is the trick they use.

Insurance companies have underwriting criteria for a prospective insured that earns them a profit. For example, a driver they prefer may need to be between 25 and 40, has a clear driving record, and drives a vehicle with a low ISO rating. Any person who fits those characteristics gets the lowest car insurance rates and as a result will probably save money with a new company.

Potential insureds who are not a match for the requirements will probably have to pay higher rates which leads to the customer buying from someone else. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” save that much when switching. That’s why companies can truthfully advertise the way they do.

That is why you need to get a wide range of price quotes. Because you never know which insurance companies will have the best car insurance rates for your profile.

Insurance Discounts

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be asked for before they will apply.

  • Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more for Ram pickup insurance than drivers with accidents.
  • ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Organization Discounts – Participating in qualifying clubs or civic groups could earn you a nice discount when getting a insurance coverage quote.
  • Student Discounts – Being a good student may save as much as 25% on a insurance coverage quote. You can use this discount normally up until you turn 25.
  • Student in College – Kids who live away from home to go to college and do not have a car can receive lower rates.
  • Telematics Data Discounts – Drivers that enable driving data collection to monitor driving patterns by using a telematics device such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Accident Free – Insureds who avoid accidents and claims get the best insurance rates in comparison to policyholders that have many claims.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts can get savings of 20 to 30 percent.

Keep in mind that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

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

  • GEICO offers discounts including emergency military deployment, anti-lock brakes, military active duty, federal employee, anti-theft, and multi-policy.
  • Auto-Owners Insurance may offer discounts for multi-policy, safe vehicle, air bags, company car, paid in full, and anti-lock brakes.
  • American Family discounts include TimeAway discount, good driver, bundled insurance, defensive driver, multi-vehicle, early bird, and air bags.
  • Esurance may have discounts that include renters, anti-lock brakes, anti-theft, safety device, and paid-in-full.
  • Progressive offers discounts for homeowner, multi-vehicle, multi-policy, continuous coverage, good student, online signing, and online quote discount.
  • State Farm includes discounts for passive restraint, safe vehicle, defensive driving training, good driver, and driver’s education.
  • AAA has discounts for anti-theft, multi-policy, good student, pay-in-full, education and occupation, AAA membership discount, and multi-car.

If you are trying to find cheaper insurance coverage quotes, ask all the companies which discounts can lower your rates. Some credits may not apply everywhere.

Tailor your auto insurance coverage to you

When choosing coverage, there isn’t really a one size fits all plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • Do I have coverage if my license is suspended?
  • When should my teen driver be added to my policy?
  • If my pet gets injured in an accident are they covered?
  • Do I have newly-aquired coverage?
  • What is high-risk coverage and where do I buy it?
  • Who is covered by my policy?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance coverages for a 1996 Dodge Ram Pickup 1500

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Collision coverages – This coverage covers damage to your Ram Pickup 1500 from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, crashing into a building, sustaining damage from a pot hole, hitting a parking meter and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, pain medications, rehabilitation expenses and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, theft and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This coverage provides protection from damage that occurs to other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, emergency aid, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 1500.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Feed the piggy bank

More affordable car insurance is possible online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies don’t offer online rate quotes and most of the time these regional insurance providers prefer to sell through independent agencies.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest price.

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