Lower Your 2020 Dodge Ram Pickup 2500 Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 25, 2024

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Want lower insurance coverage rates for your Dodge Ram Pickup 2500? Do you get frustrated by the crazy number of insurance coverage choices available to you? There are so many choices that it can be a real challenge to find the best rates.

Insurance premium influencing factors

Many things are part of the equation when you get a price on insurance. Some factors are common sense such as traffic violations, but other factors are not quite as obvious like your continuous coverage and annual miles driven. The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that play a part in calculating the price you pay for insurance coverage. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find big savings.

The items below are a few of the “ingredients” companies use to determine your premiums.

  • Females tend to be lower risk – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, don’t assume that women are better drivers. They both get in auto accidents in similar percentages, but the men cause more damage. Not only that, but men also have more aggressive citations like reckless driving and DUI. Young men ages 16 to 20 generally have the highest accident percentage so it costs more to insure them.
  • Occupation and insurance prices – Did you know your career choice can influence rates? Careers like lawyers, executives and accountants have the highest rates because of high stress and lengthy work days. On the other hand, jobs such as farmers, engineers and homemakers receive lower rates on Ram pickup insurance.
  • Qualify for multi-policy discounts – Most insurance companies will award discounts to clients who carry more than one policy such as combining an auto and homeowners policy. The discount can be 10 percent or more. Even if you’re getting this discount you still need to compare other insurance prices to make sure you are getting the best deal.
  • Bad drivers pay high rates – Getting just one moving violation may cause rates to rise to the point where it’s not affordable. Drivers with clean records pay less for auto insurance as compared to careless drivers. Drivers who have gotten license-revoking violations like DUI or willful reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.

Discounts to earn cheaper insurance coverage rates

Auto insurance companies don’t always advertise every policy discount in an easy-to-find place, so we break down a few of the more well known and the harder-to-find insurance coverage savings.

  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Lower Rates for Military – Having a deployed family member could qualify you for better premium rates.
  • Distant Student Discount – Youth drivers who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
  • Save with a New Car – Adding a new car to your policy may earn a small discount since new vehicles have better safety ratings.
  • One Accident Forgiven – Not really a discount, but some insurance companies will forgive one accident without the usual rate increase so long as you are claim-free prior to being involved in the accident.
  • E-sign Discounts – A handful of insurance companies will provide an incentive for signing up on the web.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, nobody gets a free ride.

A few companies that possibly offer some of the discounts shown above include:

  • Esurance
  • The Hartford
  • AAA
  • GEICO
  • State Farm

When quoting, ask all companies you are considering to apply every possible discount. A few discounts might not be available to policyholders in your state. To see a list of insurance companies that offer many of these discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help highlight whether you may require specific advice.

  • How much liability insurance is required?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy full coverage?
  • When do I need to add a new car to my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Is a fancy paint job covered?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code.

Car insurance coverages explained

Understanding the coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Collision coverage

Collision coverage will pay to fix damage to your Ram Pickup 2500 from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Pickup 2500.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like rehabilitation expenses, pain medications and EMT expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

Liability insurance will cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, structural damage, attorney fees, court costs and loss of income. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

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 such as a tree branch falling on your vehicle, damage from flooding, hitting a deer and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Feed the piggy bank

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

You just learned quite a bit of information on how to reduce 2020 Dodge Ram Pickup 2500 insurance rates online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best rates are with the smaller companies.

Drivers change insurance companies for a number of reasons such as lack of trust in their agent, questionable increases in premium, poor customer service or even an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

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