Save on Dodge Ram 1500 Pickup insurance

Get Cheaper Dodge Ram 1500 Pickup Insurance in Three Steps

If finding affordable car insurance was easy, most of us would take the time to do it. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Finding insurance for your Dodge Ram 1500 Pickup that you can actually afford is probably no different.

Step One: Shop Around

Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Now that we have the internet, shopping for car insurance online is a snap!

All the major car insurance companies sell insurance for a Dodge Ram 1500 Pickup and you don't even have to visit each individual website!

To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.

Apples-to-Apples! When doing comparison quotes for your Ram 1500 Pickup, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.

Step Two: Top Ways to Get Lower Ram 1500 Pickup Insurance

After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Ram 1500 Pickup.

Step Three: Bind Coverage and Cancel your Old Policy

Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.

If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.

Coverage will extend from your current policy if you're buying a Dodge Ram 1500 Pickup, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.

Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.

More Resources for Insurance Buying

For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.

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