Top Tips to Paying Less to Insure a Dodge Ram 2500 Mega Cab Pickup

Drivers have a choice when trying to find affordable Dodge Ram 2500 Mega Cab Pickup insurance. They can either waste time contacting agents to compare prices or use the internet to get rate quotes.

There is a better way to compare auto insurance rates and you need to know the quickest way to compare rates for a Dodge and find the best price possible from local insurance agents and online providers.

Lesser-known factors impacting Dodge Ram 2500 Mega Cab Pickup insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes a few of the “ingredients” companies use to determine rates.

• Liability insurance protects assets – The liability section of your policy is the protection when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
• Higher deductibles cost less – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Dodge from damage. Examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. The more money you’re willing to pay, the less your auto insurance will be on Ram Mega Cab pickup coverage.
• A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Just one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations such as DUI or reckless driving may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.
• How many coverages with the same company – Some insurance companies will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even though this discount sounds good, it’s still a good idea to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
• Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women cause accidents at a similar rate, but men cause more damage. Men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
• More claims means more premium – Car insurance companies provide discounts to people who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
• High credit ratings translate to low rates – Having a bad credit rating is a huge factor in determining what you pay for auto insurance. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. If your credit rating can use some improvement, you could pay less to insure your Dodge Ram 2500 Mega Cab Pickup by repairing your credit.
• Don’t cancel a policy without a new one in place – Having an insurance coverage lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance can result in a license revocation or jail time.

Auto Insurance Prices

There are multiple methods to shop for auto insurance, but one way is less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can utilize online quoting for quick rates.

Many insurance companies belong to an insurance system that enables customers to send in one quote, and each participating company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions for each company.

To submit your quote information now, click here to open in new window.

The one downside to using this type of form is that you can’t choose which companies you want pricing from. If you would rather choose specific providers for rate comparison, we put together a list of auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you use the exact same coverage limits for every quote you compare. If you enter different values for each quote it will be impossible to determine the lowest rate for your Dodge Ram 2500 Mega Cab Pickup.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-80.jpg" alt=" insurance quotes” />

Can you really save $391 a year?

Consumers can’t get away from ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all have a common claim that you can save after switching to their company.

How does each company claim to save you money?

Insurance companies have a preferred profile for the type of customer that makes them money. A good example of a preferred risk might be profiled as between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A customer getting a price quote who fits that profile will get very good rates and therefore will save quite a bit of money when switching.

Potential insureds who are not a match for the “perfect” profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save money. That’s why companies can claim big savings.

Because of the profiling, it is so important to get a wide range of price quotes. It’s impossible to know which company will give you the biggest savings.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be requested specifically before you will receive the discount. If you’re not getting every credit possible, you are throwing money away.

• Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Homeowners Savings – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
• Organization Discounts – Participating in a civic or occupational organization could trigger savings when buying auto insurance on Ram Mega Cab pickup coverage.
• Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
• E-sign – Certain companies may give you up to $50 simply for signing digitally online.

Drivers should understand that most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will reduce the cost of coverage.

To choose providers with discount auto insurance rates, click here to view.

Different people need different coverages

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether your personal situation will benefit from professional help.

• Is business property covered if stolen from my car?
• Does my Dodge Ram 2500 Mega Cab Pickup need full coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered when driving someone else’s vehicle?
• Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

In conclusion

Drivers leave their current company for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, high rates after DUI convictions or even delays in paying claims. No matter why you want to switch, switching companies is easier than you think.

Budget-conscious Dodge Ram 2500 Mega Cab Pickup insurance is available from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. There are still a few companies who don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented many tips how you can reduce Dodge Ram 2500 Mega Cab Pickup insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the most savings is with some of the lesser-known companies.