2015 Dodge Ram Pickup 2500 Insurance Quotes in 2024 – 9 Discounts for Cheapest Rates

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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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Having to pay for expensive Dodge Ram Pickup 2500 insurance can eat up your family’s budget and force you to prioritize other expenses. Comparing rate quotes is a great way to ensure you are getting the best deal.

Companies like Progressive, State Farm and GEICO all claim big savings with ad campaigns and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

You need to compare prices as often as possible since rates go up and down regularly. Just because you had the best rate on Ram pickup coverage a few years ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you’re about to learn how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

Cheap auto insurance rates with discounts

Auto insurance is not an enjoyable expense, but you can get discounts that many people don’t even know exist. Some trigger automatically when you quote, but less common discounts must be requested specifically prior to getting the savings. If you don’t get every credit available, you are paying more than you should be.

  • Bundled Policy Discount – If you can combine your homeowners and auto policy and place coverage with the same company you could earn a discount of nearly 15% which can help you find cheap insurance.
  • Student in College – College-age children who live away from home to go to college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Early Renewal Discounts – Some companies reward drivers for signing up early. This can save 10% or more.
  • Telematics Discount – Insureds that choose to allow their company to look at vehicle usage by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they exhibit good driving behavior.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a insurance quote. Earning this discount can benefit you well after school through age 25.
  • Low Mileage – Keeping the miles down on your Dodge can earn cheaper auto insurance rates.
  • Accident Free – Insureds who avoid accidents and claims have much lower rates in comparison to insureds who have frequent claims or accidents.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you may reduce your total bill.
  • Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts can save a little on the premium charged for medical payments and/or PIP.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will reduce your overall bill.

Large auto insurance companies and a selection of discounts are detailed below.

  • The Hartford has discounts for bundle, air bag, vehicle fuel type, defensive driver, and driver training.
  • American Family includes discounts for TimeAway discount, bundled insurance, accident-free, early bird, and air bags.
  • Progressive discounts include online signing, homeowner, multi-vehicle, continuous coverage, multi-policy, good student, and online quote discount.
  • Travelers policyholders can earn discounts including payment discounts, driver training, continuous insurance, hybrid/electric vehicle, and home ownership.
  • Farmers Insurance may have discounts that include multi-car, teen driver, switch companies, electronic funds transfer, and homeowner.
  • USAA offers discounts including defensive driver, good student, driver training, new vehicle, vehicle storage, annual mileage, and loyalty savings.
  • Liberty Mutual may include discounts for multi-policy, exclusive group savings, multi-car, hybrid vehicle, new vehicle discount, new graduate, and teen driver discount.

Before you buy a policy, ask every company how many discounts you can get. All car insurance discounts may not apply everywhere. To locate providers offering auto insurance discounts, enter your zip code here.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions can help discover whether or not you could use an agent’s help.

  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have a DUI can I still get coverage?
  • What can I do if my company denied a claim?
  • Can I make deliveries for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need Motor Club coverage?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my 2015 Dodge Ram Pickup 2500 qualify for pleasure use?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete your zip code.

Car insurance 101

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Collision coverages – This coverage covers damage to your Ram Pickup 2500 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, hitting a parking meter, colliding with a tree, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability auto insurance – This can cover damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage, repair costs for stationary objects, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses such as doctor visits, dental work and pain medications. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, falling objects and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be a Smart Shopper

When getting insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where an insured dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage at the best price, but do not skimp to save money.

Some insurance companies may not have online price quotes small, regional companies sell through independent insurance agents. Lower-priced insurance is attainable online in addition to many insurance agents, and you should compare rates from both to have the best rate selection.

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