This is your Dodge Ram 50 insurance headquarters.
No one really likes to think about insurance. It costs money. It is hardly ever used. But when we need it, we are sure glad we have it. Maybe that's why people call it a "necessary evil."
Accident rates are down everywhere. This is mainly because most areas now have tough seat-belt laws (wearing a seat belt is now required in all 50 of the United States), and because of tougher drunk-driver laws.
The last Dodge Ram 50 pickup rolled off the assembly line in 1993. Therefore, you will be looking for liability insurance only. Comprehensive (damage coverage to your vehicle) or collision (accident coverage for your pickup) is not necessary. Why? Because of the age of your vehicle. If you are ever in a major accident, the cost of repairing your Dodge Ram 50 will be more than what the vehicle is worth. So any insurance company will most likely "total" out your pickup and not provide money for repair. Therefore, any money you spend on buying insurance for it will be wasted. (This does not apply to classic vehicles, which are worth comprehensive and collision insurance.)
Liability insurance will cover medical costs if anyone is injured in an accident involving your Dodge Ram 50. This includes you, your passengers, pedestrians, and passengers in other vehicles. Most areas require at least liability insurance to drive legally.
Think about buying your liability insurance from one source. If you need homeowner's or renter's insurance, many companies wrap that up with any automobile insurance you may require, giving you a better rate. It is like a quantity discount: the more insurance you buy from one company, the less you have to pay.
Start here by typing your information into any one of our insurance company websites. This will include the make and model of your vehicle (Dodge, Ram 50), your birth date, your zip code, and the number of drivers over 16 years of age that live with you. Many companies can provide you with a quote in just a few minutes. With the internet, you don't waste time waiting for a response. Remember: there is no obligation to buy anything; right now, you are just shopping for prices, terms and coverage.
Of course you can also speak to a knowledgeable agent using their 800 number. Or get online and have an online chat. Most companies provide these as free services, and many are available during evening and weekend hours.
So whether you are a first-time driver looking for your first insurance policy or whether you are an experienced driver looking for a better rate, this is the place to start. Shop, compare rates, coverages, and insurance company reputations. Use the internet as a tool to help you gather information before you buy. Be a smart shopper and gather all of the data you can before making a purchase decision. You'll be glad you did.
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