Top Methods to Paying Less to Insure a Dodge Ram 2500 Pickup

Top Methods to Paying Less to Insure a Dodge Ram 2500 Pickup

I doubt anyone looks forward to buying auto insurance, especially when they know they could find better prices if they shop around. People have multiple car insurance companies to pick from, and even though it’s nice to have a selection, it can be more challenging to adequately compare rates.

There are a variety of methods to compare auto insurance quotes, and some are easier and takes less work. You can waste a lot of time driving to insurance agencies in your area, or you could use the web to get the quickest rates.

Most of the larger companies enroll in a system where insurance shoppers complete one form, and each participating company then returns a price quote determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

To compare rates using this form now click here to start a free quote.

One minor caviat to using this type of system is buyers cannot specifically choose the insurers to receive prices from. So if you want to choose individual companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but try to use nearly identical quote information for each quote you get. If you enter higher or lower deductibles it’s impossible to get a fair rate comparison.

How Insurance Companies Calculate Dodge Ram 2500 Pickup Insurance Prices

An important part of buying insurance is that you know the factors that are used to determine your policy premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that could result in lower rates.

  • Certain occupations raise premiums – Did you know your auto insurance rates can be affected by your occupation? Careers like doctorspolice officers and emergency personnel are shown to have higher rates than average because of stressful work requirements and lots of time spent at work. Other careers such as scientists, historians and homemakers generally pay rates lower than average on Ram pickup coverage.
  • More annual miles equals more premium – Driving a lot of miles in a year the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based on their usage. Autos that do not get driven very much get more affordable rates than those used for commuting. A policy that improperly rates your Ram 2500 Pickup is just wasting money. It’s a good idea to make sure your declarations sheet states annual mileage.
  • Better prices on safer cars – Cars with high safety ratings cost less to insure. The safest vehicles reduce occupant injuries and lower rates of occupant injuries translates directly to fewer claims passed on to you as lower rates.
  • How old are your drivers? – Inexperience drivers are proven to be inattentive and easily distracted when driving and because of this, their auto insurance rates are much higher. Older insureds are more cautious drivers, cost insurance companies less in claims and get fewer tickets.
  • Prevent theft and lower rates – Owning a car with an alarm system can save you some money. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.

Do you qualify for discounts?

Not many people think insurance is cheap, but you can get discounts that can drop the cost substantially. Certain credits will be shown at the time of purchase, but a few need to be asked for before you will receive the discount. If you aren’t receiving every discount possible, you are throwing money away. auto insurance

  • Auto/Life Discount – If the company offers life insurance, you could get better prices if you take out a life policy as well.
  • Driver Education Discount – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Own a Home – Owning a home can save you money since home ownership is proof that your finances are in order.
  • College Student – Older children who are enrolled in higher education away from home and do not have a car can receive lower rates.
  • E-sign – A few companies provide a small discount simply for signing on their website.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the discounts are:

  • State Farm discounts include defensive driving training, multiple autos, accident-free, anti-theft, and passive restraint.
  • Progressive may offer discounts for good student, multi-vehicle, online quote discount, online signing, homeowner, multi-policy, and continuous coverage.
  • Progressive offers discounts including multi-policy, multi-vehicle, online quote discount, good student, homeowner, continuous coverage, and online signing.
  • MetLife may include discounts for good student, multi-policy, claim-free, accident-free, good driver, and defensive driver.
  • Farm Bureau has savings for driver training, renewal discount, youthful driver, multi-policy, 55 and retired, multi-vehicle, and good student.
  • GEICO may have discounts that include multi-vehicle, anti-theft, multi-policy, five-year accident-free, and membership and employees.
  • SAFECO includes discounts for teen safe driver, anti-theft, homeowner, teen safety rewards, accident prevention training, and multi-car.

Before buying, ask all the companies how many discounts you can get. Some credits may not be available in your area. To see a list of insurers with the best discounts, follow this link.

Buying auto insurance from insurance agencies

Some consumers still prefer to buy from a licensed agent and we recommend doing that Insurance agents can help you choose the best coverages and give you someone to call. An additional benefit of comparing auto insurance online is that you can find cheaper rates but also keep your business local.

To help locate an agent, after submitting this quick form, the coverage information gets sent to companies who will give you bids for your auto insurance coverage. You never need to leave your house because quoted prices will be sent immediately to you. If for some reason you want to compare prices from a particular provider, you would need to jump over to their website and fill out the quote form the provide.

Finding the right provider should include more criteria than just the premium amount. Here are some questions you should ask.

  • Does the company allow you to choose your own collision repair facility?
  • Is the quote a firm price?
  • Do they regularly work with personal auto policies?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Will your rates increase after a single accident?
  • Are there any extra charges for paying monthly?

Pick the best auto insurance agent for you

If you are wanting to find a local insurance agency, you need to know there are two different agency structures that you can choose from. Agents can be classified as either independent (non-captive) or captive. Either can write policy coverage, but it’s good to learn how they differ because it can impact which type of agent you select.

Captive Insurance Agents

Agents in the captive channel can usually just insure with one company and examples are Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so you need to shop around if the rates are high. Captive insurance agents are well schooled on the products they sell and that allows them to sell at a higher price point.

Independent Insurance Agents

These type of agents can quote rates with many companies so they can quote policies with a variety of different insurance companies and get you the best rates possible. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.

Dodge Ram 2500 Pickup insurance

If you need lower rates, we recommend you include rate quotes from several independent agencies so that you can do a thorough price comparison.

To choose from insurance agencies near you, click to find a neighborhood auto insurance provider.

Lower rates by being persistent

Cheap Dodge Ram 2500 Pickup insurance is possible online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide rate quotes online and most of the time these regional insurance providers work with independent agents.

In this article, we covered quite a bit of information on how to shop for Dodge Ram 2500 Pickup insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the best car insurance rates are with the smaller companies. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.