2021 Dodge Ram Pickup 1500 Insurance Quotes in 2024

Searching for better insurance prices for your Dodge Ram Pickup 1500 can be a lot of work, but you can use these tips to save time. There is a better way to shop for auto insurance so we’re going to tell you the quickest way to get price quotes for a Dodge and find the best price possible from local insurance agents and online providers.

What impacts Dodge Ram Pickup 1500 insurance costs?

Many things are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although others are less obvious such as your marital status or how financially stable you are.

The list below includes just a few of the factors that factor into premiums.

• Liability coverage limits are a factor – A critical coverage on your policy, liability insurance is the coverage that protects you when you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Additional coverages that may be costing you – There are a lot of optional add-on coverages you can purchase on your Ram Pickup 1500 policy. Coverages like replacement cost coverage, death and dismemberment, and motor club memberships are some examples. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so consider taking them off your policy.
• Credit history impact insurance costs – Having a bad credit score is a large factor in calculating your premium rate. Therefore, if your credit rating can use some improvement, you could be paying less to insure your 2021 Dodge Ram Pickup 1500 by improving your credit score. Insureds with high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit ratings.
• Obey driving laws and save – Your driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets tend to pay less for car insurance compared to bad drivers. Even a single speeding ticket could increase your next policy renewal forty percent or more. Drivers unfortunate enough to have careless violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to continue driving.

Compare insurance coverage rates

Most of the larger companies provide prices from their websites. Comparing prices online doesn’t take a lot of time because you just enter the coverages you want on the page. After you complete the form, the company’s rating system automatically orders your driving record and credit report and gives you a price quote based on the information you submitted.

This makes it simple to compare prices but the time it takes to visit a lot of sites and type in the same information is a waste of time. But it’s also necessary to get many rate quotes if you want to find better prices.

Keep reading for an easier way to compare prices

A better way to compare rates uses one form that obtains quotes from multiple companies. The form is fast, requires much less work on your part, and makes quoting online much easier. Once the form is submitted, it gets priced and you are able to buy any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It takes 15 minutes at the most and you will know how your current rates stack up.

To find out how much you can save on insurance coverage, simply enter your zip code here and enter your information. If you have a policy now, it’s recommended you copy deductibles and limits identical to your current policy. Using the same limits helps guarantee you will receive a fair comparison for exact coverage.

Misconceptions in insurance advertisements

Consumers can’t avoid all the ads that claim the cheapest rates from the likes of State Farm, Allstate and GEICO. All the ads tend to make the same promise that drivers will save a bundle just by switching your insurance policy to them.

How does every insurance company charge lower premium rates? You have to listen carefully.

Most companies have specific characteristics for the type of customer that makes them money. For example, a desirable insured might have to be married and over the age of 30, carries full coverage, and drives a safe vehicle. Any customer that fits those parameters receives the best premium rates and will most likely save money with a new company.

Consumers who are not a match for the requirements may be forced to pay a more expensive rate which results in the customer buying from a different company. The ads say “customers that switch” but not “everyone who gets a quote” save that much. This is how insurance companies can advertise the way they do. This emphasizes why it is so important to do a rate comparison at every renewal. You cannot predict with any certainty which company will provide you with the cheapest car insurance rates.

Insurance coverage policy discounts you can’t miss

Some companies do not advertise every discount in an easy-to-find place, so below is a list both well-publicized as well as some of the hidden discounts that may be available. If you don’t get every credit you deserve, you could be getting lower rates.

• Air Bags and Passive Restraints – Options like air bags or motorized seat belts can get savings of more than 20%.
• Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote as compared to drivers with a long claim history.
• Driver Safety – Completing a class that teaches defensive driving techniques can save you 5% or more and easily pay for the cost of the class.
• Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote car insurance for Ram pickup insurance with a few insurance coverage companies.
• Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and earn discounts up to 10%.
• Active Service Discounts – Being on active duty in the military can result in better rates.
• Smart Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts up to age 25.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, you aren’t that lucky.

The best insurance coverage companies and their possible discounts are detailed below.

• GEICO has discounts for anti-theft, defensive driver, military active duty, good student, multi-vehicle, emergency military deployment, and federal employee.
• Mercury Insurance includes discounts for accident-free, professional/association, location of vehicle, ease of repair, multi-policy, and annual mileage.
• Farmers Insurance offers discounts for teen driver, switch companies, good student, distant student, and homeowner.
• Auto-Owners Insurance discounts include good student, mature driver, group or association, student away at school, anti-lock brakes, multiple vehicles, and paperless.
• Liberty Mutual policyholders can earn discounts including multi-car, new vehicle discount, good student, newly married, teen driver discount, and multi-policy.
• SAFECO may include discounts for teen safety rewards, drive less, accident prevention training, anti-lock brakes, safe driver, and anti-theft.
• Progressive offers discounts including online signing, online quote discount, continuous coverage, multi-policy, multi-vehicle, and homeowner.
• USAA may offer discounts for multi-policy, good student, family discount, annual mileage, new vehicle, and military installation.

Before purchasing a policy, check with each company or agent which discounts you may be entitled to. All car insurance discounts might not be offered in your state. To see a list of companies that can offer you the previously mentioned discounts, enter your zip code here.

Insurance agents can help

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

• Am I covered if I crash into my own garage door?
• Is my 2021 Dodge Ram Pickup 1500 covered for flood damage?
• What happens if I owe more than my 2021 Dodge Ram Pickup 1500 is worth?
• Am I covered when driving a rental car?
• How do I buy GAP insurance?
• Am I covered if I break a side mirror?
• Does car insurance cover theft of personal property?
• Is my cargo covered for damage or theft?
• When should I remove comp and collision on my 2021 Dodge Ram Pickup 1500?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out your zip code. It is quick, free and you can get the answers you need.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a building, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2021 Dodge Ram Pickup 1500.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, dental work and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability car insurance

This will cover injuries or damage you cause to people or other property. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as structural damage, bail bonds, legal defense fees, attorney fees and funeral expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

You just read a lot of tips how to save on 2021 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates come from an unexpected company.

Discount 2021 Dodge Ram Pickup 1500 insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not have the ability to get quotes online and most of the time these regional insurance providers work with independent agents.

When searching for cheap car insurance quotes, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where someone sacrificed liability coverage limits only to find out they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.