Tightwads Guide to Insuring a Dodge Ram 2500 Mega Cab Pickup
If shopping for auto insurance was more enjoyable, it would get done more often. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. You might feel the same pain when having to pay the bill on your Dodge Ram 2500 Mega Cab Pickup.
Step One: Compare Rates
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Not anymore!
Comparing insurance rates for a Dodge Ram 2500 Mega Cab Pickup only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Dodge Ram 2500 Mega Cab Pickup.
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 2500 Mega Cab Pickup.
Step Two: Top Ways to Get Lower Ram 2500 Mega Cab Pickup Insurance
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Ram 2500 Mega Cab Pickup insurance rates.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Ram 2500 Mega Cab Pickup falls into either category, it could cost you.
- 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.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Each year make a habit of checking your credit score. If you find problems that may be dragging down your credit rating, address them immediately. This will result in significant savings on car insurance.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
Step Three: Choose the Right Company for You
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Dodge added prior to the expiration of this grace period. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Ram 2500 Mega Cab Pickup at risk as soon as you drive away.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
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.