2017 Dodge Ram Pickup 2500 Insurance Quotes in 2024 – 6 Policy Discounts

Want lower auto insurance rates for your Dodge Ram Pickup 2500? Are you regretting the purchase of an expensive auto insurance policy? Trust us, there are lots of people in the same boat. There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

You should take the time to take a look at other company’s rates before your next renewal since rates are usually higher with each renewal. If you had the best deal on Ram pickup insurance a couple years back you will most likely find a better price today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the proper way to lower your rates without sacrificing coverage.

Earn discounts to get lower-cost auto insurance rates

Auto insurance is easily one of your largest bills, but there’s a good chance there are discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be inquired about before they will apply.

• Clubs and Organizations – Having an affiliation with a civic or occupational organization could trigger savings when shopping for auto insurance.
• Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.
• No Claims – Drivers with accident-free driving histories get the best auto insurance rates in comparison with bad drivers.
• College Student Discount – who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
• Seat Belt Discounts – Drivers who require all occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.

Keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

To locate companies with the best discounts, enter your zip code here.

Auto insurance advertisements

Drivers can’t escape the ads that claim the cheapest premium rates from companies such as State Farm, Allstate and GEICO. They all make the same claim that you’ll save big just by moving your coverage to them.

How does each company lower your premium rates? Here is how they do it.

Auto insurance companies have specific criteria for the type of driver that will be a good risk. For example, this type of insured could be over the age of 35, has a clear driving record, and has a short commute. Anybody that fits those parameters will most likely get cheap prices and have a good chance to save a lot if they switch.

Potential insureds who cannot meet those standards will see higher premium rates which leads to the customer buying from someone else. If you pay attention, the ads say “people that switch” not “everyone who quotes” save money. That’s the way insurance companies can advertise the way they do.

This really drives home the point why it’s extremely important to compare quotes as often as possible. It’s just too difficult to predict the company that will have the best prices for your profile.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

• Does my insurance cover my expensive audio equipment?
• Do I need PIP (personal injury protection) coverage in my state?
• How can I get my company to pay me more for my totalled car?
• Am I covered when driving a rental car?
• What can I do if my company denied a claim?
• Is borrowed equipment or tools covered if stolen or damaged?
• Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Having a good grasp of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Collision – Collision coverage covers damage to your Ram Pickup 2500 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 2500.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liability limits.

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, bail bonds, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as EMT expenses, doctor visits, X-ray expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Summing up your auto insurance search

We just presented many tips how you can get a better price on 2017 Dodge Ram Pickup 2500 insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Drivers may discover the biggest savings come from the least-expected company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice full coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best price and still be able to protect your assets.

Cost effective 2017 Dodge Ram Pickup 2500 insurance can be bought online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online price quotes and many times these smaller providers prefer to sell through local independent agencies.