Dodge Ram 1500 Mega Cab Pickup Insurance for Tightwads
If we enjoyed shopping for car insurance, we'd do it more often. But the reality is, you probably don't enjoy it and you think it costs too much. Finding insurance for your Dodge Ram 1500 Mega Cab Pickup that you can actually afford is probably no different.
Step One: Get Insurance Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Now that we have the internet, shopping for car insurance online is a snap!
All the major car insurance companies sell insurance for a Dodge Ram 1500 Mega Cab Pickup and you can compare their rates by entering your information only one time.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Ram 1500 Mega Cab Pickup.
Step Two: Insider Tips for Finding Cheaper Ram 1500 Mega Cab Pickup Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Ram 1500 Mega Cab Pickup insurance rates.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
Step Three: Bind Coverage and Cancel your Old Policy
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Ram 1500 Mega Cab Pickup with.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
Coverage will extend from your current policy if you're buying a Dodge Ram 1500 Mega Cab Pickup, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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