Trying to find the cheapest insurance for a Dodge Ram 2500HD Pickup can normally be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to compare car insurance rates and you need to know the best way to price shop coverage for a new or used Dodge and get the lowest price from both online companies and local agents.
You should take the time to check car insurance prices as often as possible because prices fluctuate regularly. Just because you found the best rates for RamHD pickup insurance a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the easiest ways to eliminate unnecessary coverages and save money.
If you have a current car insurance policy or are just looking to switch companies, you can use this information to find better prices while maximizing coverage. Locating the best car insurance coverage is quite easy. Consumers just need to know the tricks to compare price quotes online.
Get lower rates with discounts
The price of auto insurance can be rather high, but there are discounts available that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at quote time, but a few must be specifically requested before being credited. If you do not check that you are getting every discount you qualify for, you are not getting the best rate possible.
- 55 and Retired – If you qualify as a senior citizen, you are able to get better car insurance rates for RamHD pickup insurance.
- Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Driving Data Discount – Insureds that choose to allow data collection to track when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as they are good drivers.
- Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education as it will make them better drivers and lower rates.
- Good Grades Discount – Getting good grades may save you up to 25%. Earning this discount can benefit you until age 25.
One thing to note about discounts is that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
Larger car insurance companies and some of the discounts are shown below.
- 21st Century includes discounts for driver training, 55 and older, automatic seat belts, air bags, early bird, defensive driver, and anti-lock brakes.
- State Farm may have discounts that include safe vehicle, passive restraint, good driver, multiple autos, and multiple policy.
- AAA policyholders can earn discounts including pay-in-full, good student, AAA membership discount, anti-theft, and multi-policy.
- Liberty Mutual offers premium reductions for new vehicle discount, exclusive group savings, preferred payment discount, multi-car, and multi-policy.
- Progressive has savings for multi-policy, online quote discount, homeowner, online signing, and continuous coverage.
Check with each insurance company which discounts you qualify for. Some discounts may not apply in your state. To see a list of car insurance companies offering car insurance discounts, click this link.
Shop car insurance online
Finding low cost Dodge Ram 2500HD Pickup car insurance quotes doesn’t have to be difficult. You just need to take the time to get quotes online with multiple companies. This can be done by following the guidelines below.
One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate forms for every prospective company. In just a few minutes this one form will get you rate comparisons from car insurance companies with the best prices. It’s definitely the quickest method.
A harder way to obtain and compare quotes online consists of going to the website for each individual company and repeat the quote process again and again. For sake of this example, let’s assume you want to compare prices for Auto-Owners, Allstate and State Farm. You would be required to navigate to each company’s site and type in your information over and over, which can be really labor intensive.
For a list of companies in your area, click here.
Which method you use is up to you, but make sure you compare apples-to-apples coverage limits on every quote you get. If each company quotes different limits and deductibles on each one it will be nearly impossible to determine which rate is truly the best.
Don’t give up on lower rates
When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find for the lowest cost.
We just covered many ideas to shop for Dodge Ram 2500HD Pickup insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from the smaller companies.
There are still a few companies who do not provide internet price quotes and usually these small insurance companies only sell coverage through independent agents. Affordable Dodge Ram 2500HD Pickup insurance can be bought on the web and from local agencies, and you should compare price quotes from both to have the best selection.
