Dodge Ram 1500 Mega Cab Pickup Insurance – 5 Discounts to Save Money

Expensive auto insurance can drain your personal savings and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Insurance companies such as State Farm, GEICO and Farmers Insurance all claim big savings with catchy ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

It’s a good idea to check auto insurance prices occasionally because rates change frequently. Despite the fact that you may have had the best deal on Ram Mega Cab pickup insurance a year ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so we’re going to give you the easiest ways to buy auto insurance cheaper.

If you have a policy now or need new coverage, you can use these tips to get lower rates and possibly find even better coverage. Finding the best rates is not that difficult. Drivers just need to know the best way to buy auto insurance online.

Fast and Easy Auto Insurance Quotes

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the most efficient way to do it. You can spend countless hours talking about coverages with agents in your area, or you could use the internet to get the quickest rates.

All the larger companies belong to a marketplace where prospective buyers complete one form, and at least one company provides a quote determined by their information. This prevents consumers from doing form submissions for every auto insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The one downside to using this type of system is you can’t choose which companies to receive prices from. So if you want to select specific providers for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, double check that you are using exactly the same information for each price quote. If you compare different deductibles you will not be able to truly determine the lowest rate.

Are you getting all your discounts?

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specifically requested before being credited. If you’re not getting every credit you deserve, you’re paying more than you need to.

Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Ram Mega Cab pickup insurance than drivers with accidents.
Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Ram Mega Cab pickup insurance.
Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
Defensive Driving Course – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
Sign Online – A few companies may give you up to $50 simply for signing digitally online.

It’s important to note that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will help reduce your overall premium however.

To see a list of insurance companies who offer auto insurance discounts, click here.

Compare online but buy from a local agent

A small number of people would prefer to talk to a local agent. Agents can help determine the best coverages and help in the event of a claim. One of the great benefits of getting online price quotes is you can get better rates and still have an agent to talk to. And supporting local insurance agencies is definitely important if you live in a smaller city or town.

Upon completion of this short form, the quote information gets sent to agents in your area who will return price quotes for your business. You don’t have to visit any agencies since price quotes are sent straight to your inbox.

Car insurance agents come in two flavors

If you’re trying to find local agents, you need to know there are two different types of agents from which to choose. Agencies can either be independent (non-captive) or captive. Both insure your vehicles, but it’s good to learn how they are different since it can impact the selection process.

Independent Agents

These agents are not required to write business for one company but instead can place your coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, it’s recommended you contact several independent insurance agents to have the most options to choose from.

Captive Insurance Agents

These agents can only place business with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Captive agencies are trained well on their products and sales techniques which can be an advantage. auto insurance

For a full directory of auto insurance agents, click here.

Picking an insurance agency shouldn’t rely on just the bottom line cost. These questions are important to ask:

Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
If they are an independent agency, which companies do they recommend?
How are claims handled?
Do they regularly work with personal auto policies?
How long have they worked with personal auto insurance coverage?

Once you have reasonable responses for all questions you ask and a good coverage price, you have narrowed it down to a car insurance agent that is a good match to insure your vehicles. Just keep in mind policyholders can cancel your policy any time you want so don’t think that you’re stuck with your new company for the entire policy term.

Car insurance is unique, just like you

When buying coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine if you could use an agent’s help.

Do I need motorclub coverage?
I have good health insurance, so how much medical payments coverage do I need?
How much underlying liability do I need for an umbrella policy?
What can I do if my company won’t pay a claim?
Is a no-fault state?
What vehicles should carry emergency assistance coverage?
Who is covered when they drive my Dodge Ram 1500 Mega Cab Pickup?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Don’t listen to company ads

Consumers get pounded daily by advertisements for cheaper car insurance by Allstate, GEICO and Progressive. All the ads make an identical promise that you’ll save big if you switch to their company.

How do they all claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the type of driver that makes them money. For example, a desirable insured could possibly be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. Any new insured who fits that profile will get very good rates and is almost guaranteed to save when switching.

Drivers who don’t meet the “perfect” profile will be quoted more money which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can advertise the savings.

This emphasizes why it is so important to get as many quotes as possible. It is impossible to predict which auto insurance company will have the lowest rates.

Auto insurance coverages and their meanings

Knowing the specifics of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Liability

Liability coverage will cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical expenses, attorney fees, repair bills for other people’s vehicles, legal defense fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

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 then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, fire damage, damage from flooding and vandalism. The highest 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.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, driving through your garage door, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for dental work, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

In conclusion

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage for the lowest price.

We just showed you a lot of information how to compare Dodge Ram 1500 Mega Cab Pickup insurance prices online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

Budget-conscious Dodge Ram 1500 Mega Cab Pickup insurance can be purchased both online and with local insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer online quoting and most of the time these small insurance companies sell through independent agents.