Consumers have lots of choices when looking for low-cost Dodge Ram 1500 insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to make rate comparisons.
There are both good and bad ways to buy car insurance so you’re going to learn the best way to get price quotes for a new or used Dodge and locate the lowest price either online or from local insurance agents.
It’s smart to compare rates yearly because rates go up and down regularly. Despite the fact that you may have had the best price six months ago you may be paying too much now. There is a lot of wrong information about car insurance on the web, but by reading this article, you’re going to learn some excellent ideas to stop overpaying for insurance.
Essentially everyone who has to buy car insurance should be able to reduce their rates. Buying the lowest cost protection is not that difficult. Drivers only need to know the most effective way to shop over the internet.
How to Get Cheaper Insurance for Your Dodge Truck
Getting better car insurance pricing is actually quite simple. Consumers just need to take a couple of minutes to get quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.
- The recommended way to get quotes is a comparison rater form (click to open form in new window). This method prevents you from having to do multiple quote forms for each company you want a rate for. Just one form will return quotes from multiple low-cost companies. This is by far the quickest method.
- A different way to compare rate quotes is to manually visit each individual company website and request a quote. For examples sake, let’s assume you want comparison quotes from Progressive, Liberty Mutual and State Farm. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.
Whichever method you choose, make sure you use exactly the same information on every quote. If you compare higher or lower deductibles you can’t possibly determine the lowest rate for your Dodge pickup.
Why your Dodge Ram insurance rates may be high
It’s important that you understand some of the elements that go into determining the price you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
Listed below are a partial list of the pieces used by your company to calculate rates.
Where you live can impact rates – Residing in small towns and rural areas can be a good thing when insuring your vehicles. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. City drivers regularly have much more traffic to deal with and longer commute times. Higher commute times means higher likelihood of an accident.
High performance equals high price – The performance of the car you own makes a substantial difference in determining your rates. Due to the fact that the Dodge Ram 1500 Pickup falls in the pickup truck class, insurance will be similar in price compared to average rates. Lower performance four cylinder passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.
Your car insurance rates can be influenced by your job – Did you know that where you work can have an impact on rates? Jobs such as judges, architects and dentists have the highest average rates attributed to high stress levels and long work days. Other occupations like pilots, historians and homemakers get better rates.
Equipment add-ons that lower car insurance rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
Men pay higher rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
Rate your vehicle for proper use – The more miles you rack up on your Dodge in a year’s time the more you will pay for car insurance. Almost all companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. An improperly rated Ram 1500 Pickup may be wasting your money. Double check that your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
Beware of misleading car insurance ads
Consumers constantly see and hear ads for car insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you switch your coverage to them.
Insurance companies have a preferred profile for the type of customer they prefer to insure. For instance, a desirable insured could possibly be over the age of 50, has no prior claims, and chooses high deductibles. A customer who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.
Potential customers who don’t meet the requirements will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully make those claims.
Because of the profiling, you absolutely need to compare as many rates as you can. Because you never know which car insurance company will fit your personal profile best.
Buy online or local, you save
Consumers switch companies for many reasons like not issuing a premium refund, high rates after DUI convictions, unfair underwriting practices and extreme rates for teen drivers. It doesn’t matter what your reason, switching car insurance companies is easier than you think.
Lower priced Dodge Ram 1500 Pickup insurance can be found online as well as from independent agents, and you need to price shop both in order to have the best prices to choose from. Independent agents are able to place your coverage with small, regional companies that don’t always offer online quoting.
We just covered quite a bit of information on how to get a better price on Dodge Ram 1500 Pickup insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the best price on car insurance is with a small mutual company.
