Cheap 2010 Dodge Ram Pickup 1500 Insurance Cost

Searching for better insurance rates for your Dodge Ram Pickup 1500? Having to pay for pricey insurance can bleed your bank account and force you to tighten up your finances. Doing a rate comparison is a fast and free way to cut your insurance bill.

You have multiple car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it can be more challenging to find the lowest cost provider.

Low cost auto insurance prices

Lowering your 2010 Dodge Ram Pickup 1500 auto insurance rates is actually quite simple. Just spend a few minutes on the computer to compare rate quotes provided by online insurance companies. Comparing prices online can be done using a couple different methods.

1. The fastest and easiest way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do separate quote forms for each price estimate. A single form gets insurance cost estimates from several companies.
2. A less efficient way to get comparison quotes is going to the website for every company you want to comare to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from Auto-Owners, Esurance and Geico. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker. To view a list of companies in your area, click here.
3. The least efficient method of getting rate comparisons to and from local insurance agencies. Doing it all online makes this unnecessary unless you’re the type of person who wants the personal advice that you can only get from talking to an agent. You can, however, find lower rates online but buy from a local insurance agent.

It’s your choice how you get your quotes, but do your best to use nearly identical information with every price quote. If you compare different values for each quote then you won’t be able to determine which company has the best rates.

Discounts to earn cheap insurance coverage rates

Some providers don’t necessarily list every available discount very well, so the next list breaks down a few of the more common and the more hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

• No Claims – Claim-free drivers get the best insurance coverage rates when compared with policyholders that have many claims.
• Fewer Miles Equal More Savings – Low annual miles may allow you to get discounted rates on garaged vehicles.
• No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
• Mature Driver Discount – If you’re over the age of 55, you could receive a discount up to 10% on Ram pickup coverage.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
• Policy Bundle Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
• Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you could save up to 5%.
• Safety Course Discount – Taking a course teaching defensive driver skills could cut 5% off your bill and make you a better driver.
• Memberships – Participating in a qualifying organization is a good way to get lower rates on your bill.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.

You should keep in mind that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will definitely reduce the amount you pay for coverage.

A list of companies and a summarized list of policyholder discounts are included below.

• American Family may offer discounts for air bags, TimeAway discount, bundled insurance, multi-vehicle, good driver, good student, and Steer into Savings.
• State Farm may include discounts for Drive Safe & Save, good student, accident-free, safe vehicle, multiple autos, and passive restraint.
• 21st Century policyholders can earn discounts including early bird, good student, homeowners, defensive driver, driver training, anti-lock brakes, and 55 and older.
• Travelers includes discounts for good student, early quote, payment discounts, multi-policy, and student away at school.
• Geico has discounts for defensive driver, emergency military deployment, good student, anti-theft, membership and employees, and seat belt use.

If you are trying to find cheaper insurance coverage quotes, ask every prospective company which discounts you may be entitled to. Savings might not apply everywhere. To find insurance coverage companies that offer discounts, click here.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

• Can I still get insurance after a DUI?
• What is high-risk coverage and where do I buy it?
• How high should my uninsured/underinsured coverage be in my state?
• What companies insure drivers after a DUI or DWI?
• Are rock chip repairs covered?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Car insurance coverages and their meanings

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by car insurance companies.

Collision coverage protection

Collision coverage covers damage to your Ram Pickup 1500 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Dodge Ram Pickup 1500.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense coverage

Med pay and PIP coverage kick in for expenses for funeral costs, dental work, ambulance fees, EMT expenses and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, hitting a deer, hail damage and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Make a quick buck

When searching for affordable insurance coverage quotes, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

We’ve covered quite a bit of information on how to shop for 2010 Dodge Ram Pickup 1500 insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest premium rates come from a smaller regional carrier. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as Allstate and Progressive.

Helpful resources

• Older Driver Statistics (Insurance Information Insitute)
• Who Has Cheap Car Insurance Quotes for a Dodge Ram in Virginia Beach? (VBInsure.com)
• Coverage Information (Progressive Insurance)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)