Cheapest 2006 Dodge Ram Pickup 1500 Insurance Rates in 2023
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 24, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Finding the cheapest insurance coverage online can be impossible for consumers not familiar with shopping for insurance online. With so many choices of companies in the marketplace, how can anyone effectively compare them all to find the cheapest rates?
It’s a good habit to compare rates yearly since rates fluctuate regularly. Just because you had the best rates on Ram pickup coverage a couple years back there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about insurance coverage because I’m going to teach you the fastest and easiest way to find lower rates on insurance coverage.
Finding affordable coverage is not that difficult. In a nutshell, anyone who buys insurance coverage will most likely be able to save money. Nevertheless, vehicle owners must comprehend how companies compete online and apply this information to your search.
Discounts to lower 2006 Dodge Ram Pickup 1500 insurance rates
Companies don’t always list every available discount very clearly, so here is a list some of the more common and also the lesser-known auto insurance savings.
- One Accident Forgiven – Some insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.
- Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
- Distant Student – Youth drivers who live away from home and don’t have a car can receive lower rates.
- Discount for Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.
- Multiple Policy Discount – If you have multiple policies with the same company you may earn 10% to 20% off each policy.
Consumers should know that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.
To see a list of providers who offer auto insurance discounts, click this link.
Automobile Insurance Quotes
Most companies like 21st Century, Allstate and State Farm quote pricing on the web. The process is fairly simple as you simply enter your coverage preferences into a form. Once entered, the company’s rating system requests your driving and credit reports and gives you a price quote based on these factors.
Online quotes streamlines rate comparisons, but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible in order to get a better rate.
There is an easier way!
A more efficient way to get multiple rate quotes uses one form to get prices from several companies at one time. It saves time, requires much less work on your part, and makes quoting online much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose your choice of the quote results. If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process takes less than 15 minutes and you will know how your current rates stack up.
In order to compare rates now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you duplicate coverages and limits identical to your current policy. Doing this guarantees you will get comparison quotes for the exact same coverage.
Free Auto Insurance Comparison
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tailor your coverage to you
When choosing coverage, there really is not a cookie cutter policy. Everyone’s needs are different.
Here are some questions about coverages that can help discover if you could use an agent’s help.
- Do I need an umbrella policy?
- Why am I required to buy high-risk coverage?
- Does having multiple vehicles earn me a discount?
- Is a fancy paint job covered?
- Who is covered by my policy?
- Are my friends covered when driving my car?
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, take a second and complete this form.
Auto insurance 101
Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.
This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like vandalism, hitting a deer, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance kick in for expenses for nursing services, X-ray expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Auto collision coverage
This will pay to fix damage to your Ram Pickup 1500 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as rolling your car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.
Liability can pay for things such as attorney fees, bail bonds, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 1500.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Power to the consumer
Discount 2006 Dodge Ram Pickup 1500 insurance can be purchased both online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and most of the time these small insurance companies sell through independent agents.
As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. In many cases, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
People change insurance companies for many reasons like poor customer service, lack of trust in their agent, high rates after DUI convictions or even denial of a claim. It doesn’t matter what your reason, finding a great new company is easier than you think.
Additional insurance information is located on the following sites:
- Auto Insurance 101 (About.com)
- Top Signs Your Brakes are Giving Out (State Farm)
- Side Impact Crash Tests (iihs.org)
- Understanding Rental Car Insurance (Insurance Information Insitute)
Frequently Asked Questions
- What is a named operator policy?
- Will Geico insure a car not in my name?
- What Is Covered in a Jeep Powertrain Warranty? 2023
- Cheapest Jeep Insurance Rates in 2023
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Ford Focus Insurance
- Honda Civic Insurance
- Dodge Ram Insurance
- Honda CR-V Insurance
- Toyota Camry Insurance
- Chevrolet Silverado Insurance
- Toyota Corolla Insurance
- Nissan Rogue Insurance
- Toyota Rav4 Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area