8 Ways You Can Insure a Dodge Ram 1500 Pickup Cheaper in Las Vegas

Las Vegas drivers have a choice when trying to find affordable Dodge Ram 1500 Pickup insurance. You can either spend your time driving around to compare prices or use the internet to find the lowest rates.

There is a right way and a wrong way to shop for car insurance and you need to know the absolute fastest way to quote coverages for your Dodge and find the lowest possible price.

It’s a great practice to compare prices before your policy renews because insurance rates are usually higher with each renewal. Just because you had the best rates for Ram pickup coverage two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you’re about to find out the best methods to buy cheaper car insurance.

How to Get Las Vegas Car Insurance Comparison Quotes

Most companies such as Allstate and Progressive give prices for coverage on the web. The process is quite easy as you simply type in the coverages you want as detailed in the form. Behind the scenes, their rating system automatically orders your driving record and credit report and gives you a price quote.

Online quotes makes it a lot easier to compare rates but the work required to visit many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes if you want to find the lowest price.

A more efficient way to compare car insurance pricing utilizes a single form that gets prices from many companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much easier. Immediately after submitting the form, your coverage is rated and you are able to buy any one of the resulting price quotes.

If a lower price is quoted, you simply finish the application and buy the policy. It only takes a few minutes and may result in a nice savings.

If you want to compare rates using this form now, click here and input your coverage information. If you currently have coverage, we recommend that you enter the coverages exactly as they are listed on your policy. Doing this guarantees you will receive an apples-to-apples comparison for the exact same coverage.

Don’t miss these eight discounts

The price of auto insurance can be rather high, but there could be available discounts to reduce the price significantly. Some discounts apply automatically at quote time, but some must be asked about before they will apply. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

Claim Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% for Ram pickup coverage.
Homeowners Savings – Owning a house in Las Vegas can save you money because of the fact that having a home shows financial diligence.
Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up on their website.
Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
Defensive Driver – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for Ram pickup coverage than drivers with accident claims.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will bring down the cost of coverage.

For a list of providers with the best car insurance discounts in Nevada, follow this link.

Additional information is located on the Nevada Division of Insurance website found here. Nevada drivers can read consumer alerts, download brochures, report car insurance fraud, and find disaster information.

The articles below may also help you learn more about car insurance in Las Vegas

Ads can be misleading

Nevada consumers can’t ignore all the ads for cheaper car insurance from the likes of Allstate and Progressive. They all seem to have a common claim of big savings if you switch your coverage to them.

How can each company make almost identical claims? This is how they do it. Las Vegas auto insurance

Different companies can use profiling for the type of driver they prefer to insure. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, owns a home, and has excellent credit. A customer who fits that profile will get very good rates and as a result will probably save a lot of money.

Drivers who don’t measure up to this ideal profile will have to pay more money and ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, drivers should compare as many rates as you can. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Car insurance specifics

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

This covers damage to your Ram 1500 Pickup resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, attorney fees, funeral expenses, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry more coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Ram 1500 Pickup.

Since a lot of drivers only carry the minimum required liability limits (Nevada limits are 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, damage from flooding, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like surgery, chiropractic care, ambulance fees, pain medications and prosthetic devices. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

In the end, you save

Discount Dodge Ram 1500 Pickup insurance can be sourced from both online companies and with local Las Vegas insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

We just showed you a lot of ways to reduce Dodge Ram 1500 Pickup insurance prices online. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. Consumers could even find that the most savings is with the smaller companies.

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, questionable increases in premium or even delays in responding to claim requests. It doesn’t matter why you want to switch switching companies is actually quite simple.