How Much Does 2023 Dodge Ram Pickup 1500 Insurance Cost 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 8, 2024

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Expensive Dodge Ram Pickup 1500 insurance can draw down your savings account and maybe even restrict other spending. Doing a rate comparison can help to cut your insurance bill.

Due to the increasing number of insurance companies to choose from, it can be difficult for drivers to choose the lowest cost company.

You should make it a habit to get comparison quotes quite often because insurance prices tend to go up over time. If you had the best quotes for Ram pickup insurance a couple years back you can probably find a better rate now. Block out anything you think you know about insurance because you’re about to learn the best methods to find better rates and still maintain coverage.

Pricing the best protection is not that difficult. Basically, anyone who shops for insurance coverage will most likely be able to lower their premiums. Nevertheless, drivers must understand the way companies determine prices and take advantage of how the system works.

Verify you’re applying every discount

Companies offering auto insurance don’t list every available discount in an easy-to-find place, so the list below gives a summary of some of the best known and also the lesser-known discounts that you may qualify for. If you’re not getting every credit available, you could be paying more than you need to.

  • Early Switch Discount – A few larger companies offer discounts for switching policies before your current expiration date. This discount can save up to 10%.
  • Government Employees – Active or retired federal employment could qualify for a slight premium decrease for Ram pickup insurance depending on your car insurance provider.
  • Discount for Life Insurance – Some companies give a discounted premium rate on car insurance if you buy auto and life insurance together.
  • Paper-free Discount – A few larger online companies will give you a small discount for buying your policy on the web.
  • Braking Control Discount – Vehicles with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
  • Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Ram pickup insurance compared to rates paid by drivers with frequent claims.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So even though you would think all those discounts means the company will pay you, it’s just not the way it works.

A few popular companies and some of their more popular discounts are outlined below.

  • Esurance has discounts for Pac-12 alumni, good driver, renters, Switch & Save, good student, and online shopper.
  • The Hartford includes discounts for defensive driver, air bag, anti-theft, bundle, driver training, and vehicle fuel type.
  • AAA discounts include anti-theft, multi-car, pay-in-full, AAA membership discount, and multi-policy.
  • GEICO may include discounts for emergency military deployment, five-year accident-free, air bags, defensive driver, and daytime running lights.
  • State Farm may have discounts that include passive restraint, good student, defensive driving training, accident-free, and safe vehicle.

When quoting, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not be offered everywhere. To locate insurers with discount car insurance rates, enter your zip code here.

Cheapest car insurance price quotes

Comparing car insurance rates can take hours if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use online quotes to achieve your goal.

Most car insurance companies participate in a marketplace where insurance shoppers submit one quote, and each participating company then gives them pricing for coverage. This saves time by eliminating form submissions for each company.

To fill out one form to compare multiple rates now enter your zip code here.

One minor caveat to using this type of system is that you can’t choose the providers to get pricing from. If you wish to select individual companies to receive pricing from, we put together a list of the cheapest car insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but ensure you’re using the same coverage limits and deductibles for every quote you compare. If the quotes have unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Dodge Ram Pickup 1500. Even a minor difference in coverage limits could throw off the whole comparison. And when price shopping your coverage, comparing more company’s prices helps locate the best offered rates.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation will benefit from professional help.

  • Am I covered if hit by an uninsured driver?
  • When can my company non-renew my policy?
  • Will filing a claim cost me more?
  • What can I do if my company won’t pay a claim?
  • What is the minimum liability in my state?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete your zip code.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average car insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills like nursing services, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision insurance

Collision coverage pays for damage to your Ram Pickup 1500 resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 2023 Dodge Ram Pickup 1500.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, falling objects and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage can cover damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

In the end, you save

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There have been many situations where drivers have reduced collision coverage only to regret that they should have had better coverage. The goal is to buy enough coverage at the best possible price while not skimping on critical coverages.

We’ve covered some good ideas how to get a better price on 2023 Dodge Ram Pickup 1500 insurance. The most important thing to understand is the more times you quote, the higher your chance of finding cheaper car insurance. Drivers may discover the lowest premium rates come from some of the lesser-known companies. They often have lower prices on specific markets than their larger competitors like State Farm or Progressive.

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