2012 Dodge Ram Pickup 2500 Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 25, 2024

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Looking for the cheapest insurance rates for your Dodge Ram Pickup 2500? Finding the cheapest insurance for your Dodge Ram Pickup 2500 can turn out to be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are more efficient ways to compare insurance rates and we’ll show you the proper way to price shop coverage for your Dodge and find the lowest possible price from both online companies and local agents.

Consumers need to compare rates every six months because prices change quite often. Even if you got the best quotes on Ram pickup insurance two years ago you can probably find a better rate now. Ignore everything you know about insurance because we’re going to show you the right way to find better rates and still maintain coverage.

If you have a current insurance policy or need a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. Locating affordable coverage is simple if you know the tricks. Vehicle owners only need to know the proper methods to compare company rates online.

Where can I get cheap car insurance?

Most major insurance companies like Progressive, GEICO, Allstate and State Farm give prices for coverage from their websites. Doing online price comparisons is quite easy because you just enter the coverage amounts you desire on the page. After you complete the form, the system automatically retrieves your credit score and driving record and quotes a price based on these and other factors.

Online quotes streamlines rate comparisons, but the time it takes to visit a lot of sites and type in the same data is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to find a better rate.

The better way to compare rates

The smarter way to find better car insurance pricing uses one form that gets prices from several companies at one time. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable. After sending your information, it is rated with multiple companies and you can pick your choice of the quotes returned. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly use this form to compare rates, simply enter your zip code here and input your coverage information. To compare your current rates, we recommend you replicate the coverage information just like they are on your policy. This makes sure you’re receiving a rate comparison based on the exact same insurance coverage.

Discounts to earn lower-cost insurance coverage rates

Insurance coverage is not cheap nor is it fun to buy but you might be missing out on some discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few need to be manually applied before you will receive the discount.

  • Life Insurance Discount – Not all companies offer life insurance, but some may give you lower rates if you buy some life insurance too.
  • Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
  • Senior Citizen Rates – Seniors may receive better insurance coverage rates on Ram pickup insurance.
  • Theft Deterrent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Progressive, Allstate, and GEICO will forgive one accident before raising your premiums as long as you don’t have any claims for a specific time period.

One thing to note about discounts is that most credits do not apply to the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts should help lower the amount you pay for coverage.

To see companies who offer online insurance coverage quotes, enter your zip code here.

The Dodge Ram Pickup 2500 insurance rate equation

Lots of factors are part of the calculation when pricing auto insurance. Some are obvious like your driving record, although some other factors are less obvious such as whether you are married or your commute time.

  • Liability protection is cheap – Your insurance coverage policy’s liability coverage will protect you when you are found to be at fault for damages from an accident. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Use but don’t abuse your insurance – Car insurance companies provide better rates to drivers who only file infrequent claims. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for the large, substantial claims.
  • Multi-policy discounts can save money – Lots of insurers afford discounts to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, you may still want to shop around to ensure the best deal. Drivers may still save more without the discount by insuring with multiple companies.
  • Alarm systems save money – Buying a car with advanced anti-theft systems can help bring down rates. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
  • Older drivers pay less – Teenage drivers have a tendency to get distracted easily when behind the wheel so insurance coverage rates are higher. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Raise physical damage deductibles and save – Insurance for physical damage to your car, also known as collision and other-than-collision, helps pay for damage to your vehicle. Examples of covered claims are a windshield shattered by a rock, hitting a deer, and having your car stolen. The deductibles you choose define the amount the insured will be required to pay before your insurance coverage pays a claim. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance on Ram pickup insurance.
  • Cautious drivers pay less – Having a clean driving record can have a huge impact on auto insurance premiums. Good drivers pay lower auto insurance prices compared to bad drivers. Even a single chargeable violation may cause rates to rise forty percent or more. Drivers who have received license-revoking tickets like DUI, reckless driving or excessive speeding may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent their license from being revoked.
  • Males pay higher rates – Over time, data shows women tend to be less risk to insure than men. It does not mean females are better at driving than males. Both genders get in accidents in similar numbers, but males have costlier accidents. They also receive more costly citations like DWI (DUI) or reckless driving.

Tailor your auto insurance coverage to you

When buying coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • Is Motor Club coverage worth it?
  • Does insurance cover tools stolen from my truck?
  • Can my babysitter drive my car?
  • Does my insurance cover my expensive audio equipment?
  • Do all my vehicles need collision coverage?
  • Is my camper covered by my car insurance policy?
  • Am I covered if my car is in a flood?
  • When would I need additional glass coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete your zip code. It is quick, free and can provide invaluable advice.

Insurance coverages explained

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for dental work, chiropractic care, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, rock chips in glass, hitting a deer and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as pain and suffering, loss of income, structural damage and funeral expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 2500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

Collision coverage will pay to fix damage to your Ram Pickup 2500 from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, rolling your car, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Best coverage at the best price

People switch companies for a number of reasons such as extreme rates for teen drivers, policy cancellation, an unsatisfactory settlement offer or even high prices. Regardless of your reason for switching companies, finding a new company can be pretty painless.

You just learned many ideas to shop for 2012 Dodge Ram Pickup 2500 insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from some of the lesser-known companies.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There are many occasions where someone dropped full coverage and discovered at claim time they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the lowest possible cost.

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