Find the Lowest Rates for Dodge Ram 50 Insurance in Five Minutes or Less

Are you sick and tired of being strong-armed to insure your Dodge every month? You are no different than many other drivers. There are many car insurance companies to pick from, and although it’s nice to have a choice, it can be more difficult to compare rates and cut insurance costs.

Why you might be paying too much to insure your Dodge Ram 50

Smart consumers have a good feel for the different types of things that go into determining the price you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

Listed below are a partial list of the pieces companies use to determine rates.

• Your car’s features help determine rates – Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
• Never let your coverage lapse – Allowing your auto insurance policy to lapse is a guaranteed way to increase your auto insurance rates. And not only will insurance be more expensive, getting caught without coverage will get you a steep fine or even jail time.
• Occupation reflects on rates – Jobs such as doctors, architects and accountants have higher rates than average due to stressful work requirements and lengthy work days. On the flip side, jobs such as farmers, athletes and retirees get better rates on Ram 50 coverage.
• An active claims history can cost you – Auto insurance companies award lower rates to drivers who are claim-free. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is designed for major claims that would cause financial hardship.
• The more you drive the more you pay – The higher the mileage driven in a year’s time the more you will pay for auto insurance. The majority of insurers rate vehicles based on their usage. Vehicles left parked in the garage qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Ram 50 may be costing you. Make sure your auto insurance declarations sheet is showing the correct usage for each vehicle.
• High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Dodge Ram 50 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

How to Compare Auto Insurance Costs

There are a lot of ways to compare auto insurance prices but some are easier and takes less work. You can spend your afternoon talking to insurance companies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most car insurance companies participate in a marketplace where prospective buyers send in one quote, and at least one company provides a quote determined by their information. This system prevents you from having to do repetitive form submissions for each company.

To compare rates using this form now click here (opens in new window).

The single downside to doing it this way is you are unable to specify the providers to get pricing from. If you wish to select from a list of companies to request quotes from, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing apples-to-apples coverages and limits for each price quote. If each company quotes different deductibles it will be very difficult to make an equal comparison.

Do auto insurance companies bend the truth?

Consumers can’t get away from ads for the lowest price auto insurance from companies such as State Farm and Allstate. They all seem to make the same claim that you’ll save big after switching your policy.

How do they all make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of driver they prefer to insure. A good example of a desirable insured might be profiled as between 30 and 50, is a homeowner, and chooses high deductibles. A customer that hits that “sweet spot” will get very good rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will have to pay higher rates and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save money. This is how insurance companies can confidently claim big savings. Because of the profiling, you absolutely need to get as many comparisons as possible. It’s impossible to know which company will have the lowest rates.

Cut your premium with discounts

Car insurance companies don’t always list all available discounts in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit possible, you are throwing money away.

• Multiple Policy Discount – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
• 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Ram 50 coverage.
• Sign Online – Some insurance companies may give you up to $50 just for signing your application over the internet.
• Homeowners Savings – Owning a house can save you money because maintaining a house requires personal responsibility.
• Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Ram 50 coverage depending on your company.
• Early Signing – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
• Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
• Drivers Ed for Students – Have your child complete a driver education course in school.
• Service Members Pay Less – Being deployed with a military unit can result in better rates.
• Club Memberships – Participating in a professional or civic organization may earn a discount when shopping for auto insurance on Ram 50 coverage.

It’s important to understand that most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Best coverage at the best price

Cost effective Dodge Ram 50 insurance is possible on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at a price you can afford.