Cheapest 2015 Dodge Ram Pickup 1500 Insurance Rates 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: Jun 5, 2023

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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.

Looking for lower insurance coverage rates for your Dodge Ram Pickup 1500? Finding low-cost insurance for your Dodge Ram Pickup 1500 can be an all-consuming task, but you can follow our insurance coverage buying tips and make it easy.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the best way to compare rates for your Dodge and find the lowest price.

Consumers should take time to do rate comparisons periodically since prices change regularly. Just because you found the best deal for Ram pickup coverage a couple years back you can probably find a better rate quote now. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the quickest ways to find better coverage at a better price.

Discounts for affordable insurance coverage rates

Insurance coverage is not an enjoyable expense, but you may find discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you quote, but a few need to be asked for prior to receiving the credit.

  • Distant Student – Any of your kids who live away from home at college and don’t have a car could get you a discount.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates for Ram pickup coverage.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because it requires a higher level of personal finance.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks just for signing your application on the internet.
  • Multi-Vehicle Discounts – Having more than one vehicle on the same insurance coverage policy can get a discount for every vehicle.
  • Claim Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote compared to drivers with a long claim history.

We need to note that some of the credits will not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, you aren’t that lucky. Any qualifying discounts will lower the cost of coverage.

Companies that may have these benefits are:

  • MetLife
  • Progressive
  • Travelers
  • AAA

Double check with every prospective company which discounts they offer. Some of the discounts discussed earlier might not apply in your area. For a list of insurance companies with the best discounts, enter your zip code here.

You may need specialized car insurance coverage

When buying coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions can help discover if your insurance needs may require specific advice.

  • Why am I required to get a high-risk car insurance policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Does coverage extend to my business vehicle?
  • When should my teen driver be added to my policy?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete your zip code. It is quick, free and may give you better protection.

Buyer beware of car insurance advertising tricks

Consumers can’t get away from ads that promise big savings by Allstate and Progressive. All the companies advertise claims that you’ll save big if you move your policy.

It sounds good, but how can they all charge you a lower premium? Just pay attention to how they say it.

Different companies are able to cherry pick for the right customer that earns them the highest profit. For instance, a profitable customer could possibly be between the ages of 30 and 45, has never had a policy lapse, and has a high credit rating. Someone who meets those qualifications receives the best premium rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet those standards will probably have to pay more expensive rates and this results in the prospect going elsewhere. The wording the ads use say “people who switch” not “everybody who quotes” save that much. That is how companies can truthfully claim big savings.

Each company has different criteria, so drivers should compare as many free auto insurance quotes as you can. It is impossible to guess which insurance companies will provide the lowest premium rates.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability coverages

This protects you from damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as bail bonds, pain and suffering, emergency aid and loss of income. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, fire damage, hitting a bird, theft and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 1500.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liability limits.

Collision protection

This coverage pays for damage to your Ram Pickup 1500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for pain medications, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Buy Smart and Save

Cost effective 2015 Dodge Ram Pickup 1500 insurance is available from both online companies in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide online price quotes and many times these smaller companies prefer to sell through independent agencies.

We covered some good ideas how you can get a better price on 2015 Dodge Ram Pickup 1500 insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a small local company.

People who switch companies do it for a number of reasons such as delays in responding to claim requests, high prices, unfair underwriting practices or not issuing a premium refund. No matter why you want to switch, switching companies can be easier than you think.

Helpful learning opportunities

  • Liability Insurance Coverage (Nationwide)
  • Safety Belts FAQ (
  • Teen Driving and Texting (State Farm)
  • Avoiding Deer Collisions (Insurance Information Institute)
  • What is Covered by GAP Insurance? (Allstate)
  • Medical Payments Coverage (Liberty Mutual)

Frequently Asked Questions

What is the purpose of this website?

The purpose of this website is to provide a free online resource for anyone interested in learning more about auto insurance. It aims to be an objective, third-party source for everything related to auto insurance.

Can this website provide quotes from specific car insurance providers?

No, this website is not affiliated with any specific car insurance provider and cannot guarantee quotes from any single provider. However, it offers a free quote tool that allows users to compare quotes from many different companies. The more quotes you compare, the more chances you have to save.

Are the insurance industry partnerships of this website influencing its content?

No, the insurance industry partnerships of this website do not influence its content. The website strives to provide unbiased information and its opinions are its own. The content is regularly updated and reviewed by auto insurance experts.

How can I find lower insurance coverage rates for my Dodge Ram Pickup 1500?

To find lower insurance coverage rates for your Dodge Ram Pickup 1500, you can follow the insurance coverage buying tips provided on this website. It suggests doing rate comparisons periodically since prices change regularly. By comparing rates, you can find better coverage at a better price.

Are there any discounts available for affordable insurance coverage rates?

Yes, there may be discounts available that could lower your insurance premiums. Some discounts are automatically applied when you request a quote, while others need to be specifically asked for. It is recommended to check with each prospective insurance company to inquire about the discounts they offer.

How can I get a better price on 2015 Dodge Ram Pickup 1500 insurance?

To get a better price on 2015 Dodge Ram Pickup 1500 insurance, it is advised to compare price quotes from both online companies and local insurance agencies. Getting multiple quotes increases the likelihood of finding a better rate. It is also important to consider factors such as delays in claim requests, high prices, unfair underwriting practices, or lack of premium refunds when deciding to switch insurance companies.

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