Dodge Ram-150 Insurance Rates

There are many options when attempting to insure your Dodge Ram-150. You can buy from an insurance agent or shop online to compare rates from insurance providers. Buying car insurance by comparing rates online is easy and there is a good chance you may find lower rates.

People who are new to shopping for insurance may think buying low-cost Dodge Ram-150 insurance is going to be difficult. The are a couple different ways to compare rate quotes from different insurance companies. The fastest way to compare Dodge Ram-150 insurance quotes is to get quotes online. This can be accomplished by comparing rates here.

Insurance premiums on a Dodge Ram-150 will vary greatly based upon several criteria. Some of these factors include:

• The performance level of your Ram-150
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Your job
• The level of coverage
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new Ram-150 models so the cost to replace them will push premiums down. Conversely, new Ram-150 models have more advanced features such as a backup camera, dual-stage airbags, and an advanced theft deterrent system so those may lower rates.

Auto liability insurance

Liability insurance provides protection from damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as much as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Dodge Ram-150 can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not universally available and gives slightly broader coverage than med pay.