How long has it been since you sat down and looked for low-cost Dodge Ram 2500 insurance in Louisville? Trying to come up with a payment for high-priced insurance can diminish your family’s budget and make it tough to pay other bills. Doing a price comparison is a fast and free way to slash your bill and have more diposable income.
It’s safe to conclude that car insurance companies don’t want you quoting rates from other companies. Consumers who do rate comparisons will probably switch companies because they have good chances of finding lower prices. A recent insurance study discovered that consumers who regularly compared rates saved over $3,450 over four years compared to policyholders who don’t make a habit of comparing rates.
If finding the most affordable insurance in Louisville is your intention, then understanding how to get price quotes and compare insurance can help you succeed in finding affordable rates. Drivers have so many car insurance companies to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare rates and find the lowest cost insurance.
Dodge Ram 2500 insurance coverage information
The table shown next highlights detailed analysis of coverage prices for Dodge Ram 2500 models. Being aware of how car insurance premiums are figured is important to be able to make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$288||$550||$380||$22||$114||$1,354||$113|
|Ram 2500 Crew Cab SLT 2WD||$288||$634||$380||$22||$114||$1,438||$120|
|Ram 2500 Mega Cab SLT 2WD||$288||$634||$380||$22||$114||$1,438||$120|
|Ram 2500 Crew Cab Laramie 2WD||$288||$634||$380||$22||$114||$1,438||$120|
|Ram 2500 Crew Cab ST 2WD||$288||$634||$380||$22||$114||$1,438||$120|
|Ram 2500 Mega Cab Laramie 2WD||$288||$634||$380||$22||$114||$1,438||$120|
|Ram 2500 Crew Cab ST 4WD||$322||$550||$380||$22||$114||$1,388||$116|
|Ram 2500 Crew Cab SLT 2WD||$322||$634||$380||$22||$114||$1,472||$123|
|Ram 2500 Mega Cab SLT 2WD||$322||$634||$380||$22||$114||$1,472||$123|
|Ram 2500 Mega Cab SLT 4WD||$322||$550||$380||$22||$114||$1,388||$116|
|Ram 2500 Crew Cab SLT 4WD||$322||$550||$380||$22||$114||$1,388||$116|
|Ram 2500 Crew Cab Laramie 2WD||$322||$716||$380||$22||$114||$1,554||$130|
|Ram 2500 Mega Cab Laramie 2WD||$322||$716||$380||$22||$114||$1,554||$130|
|Ram 2500 Crew Cab ST 4WD||$322||$550||$380||$22||$114||$1,388||$116|
|Ram 2500 Mega Cab Laramie 4WD||$322||$550||$380||$22||$114||$1,388||$116|
|Ram 2500 Crew Cab Laramie 4WD||$322||$550||$380||$22||$114||$1,388||$116|
|Ram 2500 Mega Cab SLT 4WD||$354||$634||$380||$22||$114||$1,504||$125|
|Ram 2500 Crew Cab SLT 4WD||$354||$634||$380||$22||$114||$1,504||$125|
|Ram 2500 Crew Cab Laramie 4WD||$354||$634||$380||$22||$114||$1,504||$125|
|Ram 2500 Mega Cab Laramie 4WD||$354||$634||$380||$22||$114||$1,504||$125|
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can increase or decrease rates considerably.
Comparison of insurance rates by age and gender
The information below illustrates the difference between Dodge Ram 2500 insurance premiums for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.
Score discounts on Louisville insurance
Some companies don’t always list every discount they offer in a way that’s easy to find, so here is a list both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy Louisville car insurance online.
- Save over 55 – Drivers over the age of 55 may be able to get a slight reduction on a Louisville car insurance quote.
- Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- ABS and Traction Control Discounts – Cars with ABS and/or traction control are safer to drive and the ABS can save up to 10%.
- Active Service Discounts – Being deployed with a military unit may lower your rates slightly.
- Drive Less and Save – Low mileage vehicles could be rewarded with cheaper rates.
- Discounts for Good Drivers – Drivers without accidents may save up to 50% more than drivers with accidents.
As is typical with insurance, most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that you could get a free insurance policy, it’s just not the way it works.
The chart below shows the difference between Dodge Ram 2500 insurance costs with and without some available policy discounts. The data is based on a female driver, no accidents, no driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-policy, claim-free, and multi-car discounts applied.
A few popular companies and some of their more popular discounts are shown below.
- State Farm offers discounts for safe vehicle, defensive driving training, student away at school, driver’s education, passive restraint, multiple policy, and anti-theft.
- Liberty Mutual includes discounts for newly married, new graduate, hybrid vehicle, preferred payment discount, and good student.
- American Family has discounts for accident-free, TimeAway discount, Steer into Savings, good driver, mySafetyValet, good student, and air bags.
- Progressive offers discounts including multi-policy, online quote discount, good student, continuous coverage, and online signing.
- Farmers Insurance has savings for homeowner, distant student, mature driver, pay in full, and youthful driver.
- Auto-Owners Insurance may have discounts that include teen driver, good student, student away at school, paperless, and air bags.
- SAFECO may include discounts for anti-lock brakes, teen safe driver, homeowner, accident prevention training, and safe driver.
Before you buy a policy, ask each company which discounts you may be entitled to. Discounts may not be available everywhere.
Specifics of your insurance policy
Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like rock chips in glass, theft and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability insurance – This provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/10 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers claims like court costs, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but buy higher limits if possible. Kentucky requires drivers to carry at least 25/50/10 but it’s recommended drivers buy more liability than the minimum.
The illustration below shows why buying low liability limits may not be high enough to adequately cover claims.
Collision – This pays for damage to your Ram 2500 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like rolling your car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your Ram 2500 to save money on collision insurance.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like funeral costs, chiropractic care, surgery and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Ram 2500.
Due to the fact that many Kentucky drivers have only the minimum liability required by law (25/50/10 in Kentucky), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.
Cheaper coverage is out there
Some insurance companies don’t offer rate quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agencies. Cheap Dodge Ram 2500 insurance in Louisville is possible on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.
We just presented many ways to reduce Dodge Ram 2500 insurance car insurance rates online in Louisville. The key thing to remember is the more you quote Louisville car insurance, the better your comparison will be. Drivers may even discover the most savings is with the least-expected company.
People switch companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, poor customer service and policy cancellation. Whatever your reason, choosing a new company is not as hard as you think.
How to buy affordable Dodge Ram 2500 insurance in Louisville
To save the most money, the best way to get cheaper Dodge Ram 2500 insurance is to do an annual price comparison from insurers who can sell car insurance in Louisville.
First, spend a few minutes and learn about coverages and the things you can change to prevent expensive coverage. Many factors that cause rate increases like your driving record and poor credit history can be remedied by improving your driving habits or financial responsibility.
Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of insurance providers. View companies
Third, compare the price quotes to your current policy premium to determine if switching companies saves money. If you find better rates and change companies, make sure coverage does not lapse between policies.
Fourth, notify your agent or company of your decision to cancel your current coverage. Submit the required down payment along with the signed application for your new policy. As soon as you can, put the certificate of insurance in an easily accessible location.
A valuable tip to remember is that you’ll want to make sure you compare identical coverages on every price quote and and to get price estimates from as many different companies as possible. Doing this ensures the most accurate price comparison and the best price selection.
Much more information about insurance in Kentucky can be read below:
- Older Drivers FAQ (iihs.org)
- What Insurance is Cheapest for Seniors in Louisville? (FAQ)
- How Much is Auto Insurance for a Nissan Rogue in Louisville? (FAQ)
- Who Has Cheap Louisville Auto Insurance for Hybrid Vehicles? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Altima in Louisville? (FAQ)
- Who Has the Cheapest Louisville Car Insurance Quotes for Drivers with a DUI? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)