Lower Your 2006 Dodge Ram Pickup 2500 Insurance Cost

Want the cheapest car insurance rates for your Dodge Ram Pickup 2500? Trying to find more affordable car insurance could be difficult for drivers who are new to online price comparisons. You have so many different companies and agents to choose from that it can easily become a ton of work to find cheaper car insurance rates.

The fastest way that we advise to compare policy rates is to know the fact most of the bigger providers participate in online systems to give free rates quotes. The only thing you need to do is give the companies some data such as what your job is, if your license is active, if a SR-22 is required, and driver details. The rating information is submitted instantly to many different companies and they return rate quotes instantly.

Auto Insurance Discounts

The price of auto insurance can be rather high, but you may find discounts that you may not even know about. Some trigger automatically when you purchase, but less common discounts must be specially asked for prior to receiving the credit.

  • Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy auto and life insurance together.
  • Multi-car Discount – Insuring primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • Early Signing – Some auto insurance companies reward drivers for buying a policy early. It can save you around 10%.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get lower premium rates for Ram pickup coverage.
  • One Accident Forgiven – This one is not really a discount per se, but companies like GEICO, Allstate and Liberty Mutual permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Paperwork-free – Some of the larger companies will provide an incentive for signing up digitally online.
  • Discount for Low Mileage – Fewer annual miles on your Dodge can qualify you for substantially lower prices.
  • Multiple Policy Discount – If you combine your auto and home policies with the same company they may give you a discount of at least 10% off all policies.
  • Club Memberships – Joining a professional or civic organization is a good way to get lower rates on your next auto insurance statement.

Please keep in mind that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works.

The best auto insurance companies and some of the premium reductions they offer can be read below.

  • Esurance may have discounts that include homeowner, DriveSense, online shopper, Pac-12 alumni, good student, safety device, and good driver.
  • The Hartford may offer discounts for good student, anti-theft, bundle, driver training, air bag, defensive driver, and vehicle fuel type.
  • AAA includes discounts for good driver, anti-theft, education and occupation, pay-in-full, and good student.
  • GEICO may include discounts for air bags, anti-lock brakes, five-year accident-free, driver training, and multi-vehicle.
  • State Farm discounts include anti-theft, driver’s education, safe vehicle, accident-free, good driver, and good student.

Check with all the companies which credits you are entitled to. A few discounts may not apply to policyholders in your state. If you would like to choose from a list of providers that provide some of the discounts listed above, follow this link.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Should I bundle my homeowners policy with my auto?
  • Which is better, split liability limits or combined limits?
  • Does insurance cover tools stolen from my truck?
  • Does my car insurance cover rental cars?
  • Are my friends covered when driving my car?
  • How do I buy GAP insurance?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverages – This coverage will pay to fix damage to your Ram Pickup 2500 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Dodge Ram Pickup 2500.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability insurance – This coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like loss of income, repair costs for stationary objects, funeral expenses and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like EMT expenses, pain medications and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive protection – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, fire damage and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.