Lower Your 2018 Dodge Ram Pickup 2500 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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Searching for better insurance coverage rates for your Dodge Ram Pickup 2500? Purchasing low-cost insurance coverage on the internet can be intimidating for vehicle owners who are new to buying their insurance coverage over the internet. Because there are so many companies competing online, how can drivers possibly compare every one to find cheaper insurance coverage prices?

Get lower rates with these insurance discounts

Some insurance providers don’t always publicize all possible discounts in a way that’s easy to find, so we researched a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Multi-Vehicle Discounts – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off PIP or medical payments premium.
  • Save over 55 – Older drivers can get a small discount on rates on Ram pickup coverage.
  • Early Renewal Discounts – Select larger companies give a discount for switching companies before your current expiration date. You may see this discount when you get insurance coverage quotes online.
  • Online Discount – A few insurance companies will give a small break simply for signing on their website.
  • Telematics Data – Insureds who allow data collection to study when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they show good driving skills.
  • Active Military Service – Being on active deployment in the military could mean lower insurance rates.

Don’t be surprised that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, you aren’t that lucky. But all discounts should definitely cut your insurance premiums.

A few of the larger companies and their offered discounts can be read below.

  • 21st Century has discounts for driver training, automatic seat belts, defensive driver, student driver, anti-lock brakes, early bird, and air bags.
  • Progressive has savings for continuous coverage, online signing, good student, multi-policy, multi-vehicle, and homeowner.
  • State Farm includes discounts for multiple autos, Drive Safe & Save, anti-theft, Steer Clear safe driver discount, and safe vehicle.
  • Nationwide offers premium reductions for anti-theft, accident-free, defensive driving, Farm Bureau membership, and good student.
  • Esurance offers discounts including multi-policy, defensive driver, emergency road assistance, paid-in-full, online quote, and multi-car.
  • The Hartford discounts include good student, vehicle fuel type, air bag, driver training, and defensive driver.

If you need inexpensive insurance coverage quotes, ask each company or agent the best way to save money. A few discounts may not be offered in your area. To see a list of insurance companies that provide some of the discounts listed above, enter your zip code here.

How to buy insurance coverage

Performing a rate comparison can be a lot of work if you aren’t aware of the best way to get rate quotes. You can spend your afternoon talking to insurance companies in your area, or you could use the internet to achieve your goal.

Many insurance companies belong to an insurance system that enables customers to submit one quote, and every company then returns a price quote for coverage. This system prevents you from having to do quotation requests to each individual insurance coverage company.

To compare rates now enter your zip code here.

The single downside to comparing rates this way is buyers cannot specifically choose the companies you want to price. So if you prefer to choose individual companies to request quotes from, we put together a list of insurance coverage companies in your area. Click to enter zip code for insurance companies.

It doesn’t matter which method you choose, just double check that you are using the same quote information with each company. If you compare mixed coverages it will be nearly impossible to truly determine the lowest rate. Having just a slight variation in coverages may result in large price differences. Just keep in mind that obtaining a wide range of quotes increases your odds of finding the best rates.

Dodge Ram Pickup 2500 insurance premiums can be more affordable

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious like your driving record, but some are more obscure such as whether you are married or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively determines base rates, this allows you to make good choices that may result in lower premium levels.

  • Cheap car insurance rates for being claim-free – If you tend to file frequent claims, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Insurance companies give the best rates to drivers who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Do safer cars cost less to insure? – Safe vehicles tend to have lower insurance rates. Safer cars reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you. If your Dodge Ram Pickup 2500 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Advanced theft deterrents – Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your vehicle from being stolen.
  • Better drivers pay lower rates – Attentive drivers get better rates than people who have multiple driving citations. Getting just one ticket could increase your next policy renewal by as much as twenty percent. Drivers who have gotten flagrant violations such as DUI, reckless driving or excessive speeding are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.

Auto insurance can get complicated

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • I have a DUI can I still get coverage?
  • Am I missing any policy discounts?
  • Should I rate my 2018 Dodge Ram Pickup 2500 as pleasure use or commute?
  • Do I benefit by insuring my home with the same company?
  • Does insurance cover tools stolen from my truck?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Insurance coverage considerations

Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This pays for damage to your Ram Pickup 2500 resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, driving through your garage door, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like dental work, X-ray expenses, pain medications and rehabilitation expenses. 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 you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 2500.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability coverage can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, legal defense fees, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

More quotes mean more savings

People switch companies for many reasons like delays in paying claims, high rates after DUI convictions, policy cancellation and even being labeled a high risk driver. No matter why you want to switch, finding a new car insurance company is pretty easy and you might even save some money in the process.

Lower-priced car insurance is definitely available both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not offer online quoting and these small insurance companies sell through independent agents.

We covered a lot of information how to lower your 2018 Dodge Ram Pickup 2500 insurance premium rates. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting low cost insurance coverage. You may be surprised to find that the most savings is with the smaller companies.

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