Dodge Ram 1500 Insurance vs Ford F150 Insurance

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Here's what you need to know...
  • Before you can compare the insurance rates of the Dodge Ram 1500 and the Ford F150, it’s important to consider your own personal circumstances
  • The minimum amount you’re required to have can vary from state-to-state
  • Liability insurance helps pay for damages you cause to a person or property in an accident

If you’ve decided that a powerful, pick-up truck suits your driving needs best, then you’re probably well aware of the Dodge Ram 1500 and Ford F150 series.

While you’re reviewing each truck’s price tag and capabilities, you should also consider their insurance costs before you make your decision!

If you need a pick-up truck to haul around materials for work or just enjoy driving big, sturdy vehicles, then the Dodge Ram 1500 or Ford F150 may be right for you.

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Your Personal Circumstances

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Before you can compare the insurance rates of the Dodge Ram 1500 and the Ford F150, it’s important to consider your own personal circumstances.

In other words, what you might pay to insure your Ford F150 could be very different from someone else with the same truck.

The more likely someone is of getting in an accident and filing an insurance claim, the more a company will charge them to insure their car.

For example, if you have a great driving record then there’s a good chance your insurance rates will be lower than someone who has caused several accidents.

Alternatively, if you’ve received quite a few speeding tickets, then you’ll probably pay more to insure your Ford F150 than someone who hasn’t.

If you live in the city and drive your Dodge Ram 1500 daily, then your insurance will likely be more than someone who drives their truck occasionally on a farm.

Even if you’re a great driver, the more your truck is on the road and in heavy traffic, the more likely an accident is.

In addition, many providers look at a customer’s credit rating when they determine their insurance rates. Although someone might have a pristine clean driving record, if they have a bad credit rating they may have to pay higher rates.

If a customer has had difficulties in the past paying their bills on time, a provider will charge them more.

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Choosing Your Coverage

How much insurance coverage a driver decides to buy will also affect their rates. If one Ford F150 owner buys plenty of coverage for their truck, but another driver purchases a minimum amount, the first driver will probably pay more.

It’s important to remember that car accidents cause serious and costly damages. Having a good amount of coverage could save you from financial ruin.

Liability insurance helps pay for damages you cause to a person or property in an accident. Nearly every state requires drivers to have liability insurance for their vehicle.

The minimum amount you’re required to have, however, can vary from state-to-state.

You can check with your state government to find out what the requirements are in your state. For example, in Oregon, the Department of Motor Vehicles oversees the state’s insurance regulations.

In addition to liability insurance, many drivers purchase other policies like collision and comprehensive for their vehicles. Collision insurance will help pay for the repairs your car needs in an accident you cause.

Comprehensive insurance covers damages that don’t happen in a car accident. For example, if your Dodge Ram 1500 is broken into or vandalized, the repairs would be covered by comprehensive insurance.

When you’re reviewing the average insurance rates of the Dodge Ram 1500 and Ford F-150, it’s important to remember that you could be quoted something above or below that average.

In addition to the truck itself, your personal circumstances and how much insurance you buy will affect your insurance rates.

Dodge Ram 1500 Series

The Dodge Ram 1500 is produced by the American automobile manufacturer Chrysler, which is headquartered in Auburn Hills, Michigan.

The Dodge Ram truck series is one of the company’s longest running and most successful. The latest models of the truck no longer carry the name Dodge and are just titled the Ram 1500.

The Ram 1500 is a full sized, pick-up truck that is designed to haul heavy loads. The 2012 V8 edition of the Ram 1500 has 390 horsepower that gives it a towing capacity of nearly 10,500 pounds.

A V6 version of the truck is also available. According to Consumer Guide Automotive, the Ram 1500 gets between 13-20 miles per gallon depending on the type of engine.

The Ram 1500 comes in various configurations and quad sizes. Some of the different models include the quad cab Laramie with a six-foot, four-inch box and the four-door Laramie Longhorn with a five-foot, seven-inch box.

Another is the two-door Regular Cab, which also has a six-foot, four-inch box. There are several other types of Ram 1500s, including the Big Horn, Outdoorsman, and Limited models.

Depending on the type and year of a Dodge Ram 1500, the price may vary. The latest models of the trucks range in price from just over $20,000 to under $50,000.

The newest models of the Ram 1500 come equipped with many modern safety features. In addition to driver and passenger airbags, the truck also has side airbags to provide further protection.

The trucks are also manufactured with front crumple zones and side-impact door beams to further minimize damages in an accident. Certain models are also equipped with Dodge’s Park View rear back-up cameras.

You can learn more about the Dodge Ram 1500 by referring to the truck’s official website.

Ford F-150 Series

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The Ford F-150 is also built by the American manufacturer Ford, which is headquartered in Dearborn, Michigan. The F-150 series is one of Ford’s longest running and best selling trucks.

In fact, according to Consumer Guide Automotive, Ford’s F-150 is one of the top-selling vehicles in all of the United States.

The F-150 is also a full sized, pick-up truck that is designed to haul cargo or tow a trailer. The latest models can be equipped with several different types of engines.

The 3.7-liter V6 option delivers approximately 300 horsepower, while larger V8 engine or turbocharged options provide between 360 to 400 horsepower.

Depending on the engine and F-150 model, the trucks can get between 11-17 miles per gallon in the city. For highway driving, the truck will get between 16-22 mpg.

Like the Ram 1500, the F-150 comes in several different models. Some of these include the XL, the FX 2, the King Ranch and the Platinum. Several of the models can be configured with different cab sizes including regular, extended Super cab, and the four-door Super Crew cab. Nearly all of the F-150s can be equipped with five-foot, five-inch, or six-foot,

Several of the models can be configured with different cab sizes including regular, extended Super cab, and the four-door Super Crew cab.

Nearly all of the F-150s can be equipped with five-foot, five-inch, or six-foot, five-inch-long boxes. The XL and XLT models can even be purchased with eight-foot-long boxes.

Nearly all of the F-150s can be equipped with five-foot, five-inch, or six-foot, five-inch-long boxes. The XL and XLT models can even be purchased with eight-foot-long boxes.

Prices for the F-150 range in price depending on the year and model.

Some of the latest F-150 models can be bought for less than $30,000, while other members of the series have a price tag of nearly $50,000.

The F-150 comes equipped with modern safety features like various types of airbags, a frame manufactured with high strength steel, and anti-lock brakes.

New models of the trucks also come with Ford’s Advance Trac Roll Stability Control system, which helps drivers maintain control when they have to make an unexpected, sudden turn.

New models of the trucks also come with Ford’s Advance Trac Roll Stability Control system, which helps drivers maintain control when they have to make a sudden, unexpected turn.

The official Ford website provides extensive information about the company’s F-150 series.

Insurance for Trucks

Although a lot of people expect big, powerful trucks to have really high insurance rates, that’s often not the case. Trucks like the Ram 1500 and F-150 are sturdy vehicles with plenty of safety features.

As a result, trucks stand up well in accidents and protect their passengers better. This means that insurance companies won’t have to pay as much for damages when a claim is filed.

In addition, trucks like the Ram 1500 and F-150 are primarily used for work purposes and in suburban or rural settings. If a vehicle isn’t driven in busy traffic often, the chances of it being involved in an accident are lower.

Although both of these trucks are popular vehicles, the reality is that they’re not flashy cars that are targeted by thieves often. In addition, trucks aren’t typically driven at dangerous speeds like sports cars, which helps make their insurance rates low.

Ford F-150 Insurance

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According to Automobile Magazine, on average it costs $1,311 a year to insure a 2012 F-150. A 2011 F-150, on the other hand, will cost approximately $1,186 per year to insure.

The insurance for a 2010 version of the truck will cost just $1,128 on average. The older the truck, the less value it has and the cheaper it is to insure.

Dodge Ram 1500 Insurance

The amount it costs to insure the Dodge Ram 1500 is not much different. According to Automobile Magazine, a 2012 Ram 1500 on average costs $1,310 to insure per year.

A 2011 model of the truck will cost approximately $1,059 a year. The 2010 edition of Ram 1500 will cost $1,064 on average to insure.

It’s important to remember that these are average insurance rates. Depending on a person’s circumstances, they may be required to pay much more or less than the average listed.

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