2002 Dodge Ram Pickup 1500 Insurance Quotes – 8 Discounts for Best Rates

Looking for the cheapest car insurance rates for your Dodge Ram Pickup 1500? Sick and tired of scraping nickels together each month for car insurance? Your situation is no different than the majority of other drivers.

Companies like State Farm, GEICO and Farmers Insurance persitently shower you with ads and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

It’s important to check car insurance prices at least once a year because prices go up and down regularly. If you had the best deal on Ram pickup coverage a couple years back you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because you’re going to learn the proper way to lower your annual insurance bill.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. Choosing the best insurance company for you is quite easy. Nevertheless, car owners need to learn the methods companies use to market insurance on the web and use this information to your advantage.

Get lower rates with these eight auto insurance discounts

Car insurance can cost a lot, but companies offer discounts that can help lower your rates. Some trigger automatically at the time of quoting, but lesser-known reductions have to be asked about before you get the savings.

  • Drivers Education – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if it’s offered in school.
  • Claim Free – Claim-free drivers are rewarded with significantly better rates on car insurance quote as compared to insureds who have frequent claims or accidents.
  • Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Resident Student – Children who are attending college without a vehicle on campus may be insured at a cheaper rate.
  • Discount for Multiple Policies – If you combine your home and auto policies with one insurance company they may give you a discount of at least 10 to 15 percent or more.
  • Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
  • Air Bags and Passive Restraints – Factory air bags can qualify for discounts of more than 20%.
  • Paper-free Discount – A few larger online companies may give you up to $50 shop car insurance online.

As a footnote on discounts, some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

To see insurance companies with discount rates, click this link.

How to compare free car insurance rate quotes

Most larger insurance companies make it easy to get coverage prices on the web. Doing online price comparisons is quite easy as you simply type in the amount of coverage you want on the page. After the form is submitted, the system makes automated requests for your credit score and driving record and returns a price based on many factors. Online price quotes helps simplify price comparisons, but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it’s necessary to perform this step if you want to find the lowest car insurance rates.

The easy way to compare rates

The easiest way to lower your car insurance bill makes use of a single form to return rates from a lot of companies. This type of form saves time, requires less work, and makes comparison shopping a lot less work. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the quote results. If the quotes result in lower rates, you can simply submit the application and buy the policy. This process can be completed in less than 10 minutes and can result in significant savings.

To quickly fill out one form to compare multiple rates now, click here to open in new window and fill out the form. To compare your current rates, we recommend you input exactly as they are listed on your policy. Doing this guarantees you will receive a rate comparison using the same coverage and limits.

Auto insurance can get complicated

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is no-fault insurance?
  • When should I buy a commercial auto policy?
  • Is my nanny covered when driving my vehicle?
  • When would I need rental car insurance?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I hit a deer?
  • Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Car insurance coverage specifics

Understanding the coverages of car insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, a tree branch falling on your vehicle, hitting a deer, hitting a bird and hail damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for doctor visits, chiropractic care, funeral costs, pain medications and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Liability insurance – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as medical services, repair costs for stationary objects, loss of income and court costs. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 2002 Dodge Ram Pickup 1500.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision coverages – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

At the end of the day…

When you buy car insurance online, make sure you don’t buy less coverage just to save a little money. In too many instances, someone sacrificed comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

You just read many tips how you can save on 2002 Dodge Ram Pickup 1500 insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a smaller regional carrier. Smaller companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

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