1994 Dodge Ram Pickup 3500 Insurance Rates – 9 Tips for Cheapest Quotes

Searching for lower car insurance rates for your Dodge Ram Pickup 3500? Did you make the mistake of buying an underperforming, overpriced car insurance policy? It’s a common feeling and you’re not the only one.

Multiple insurers compete for your business, so it can be very hard to choose a provider and get the best coverage at the best rates possible.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Buying car insurance is easy if you know what you’re doing. Nevertheless, consumers need to learn the methods companies use to price insurance differently because it can help you find the best coverage.

How much does insurance coverage cost?

The are a couple different ways to compare prices from local insurance coverage companies. The easiest way to find the cheapest Dodge Ram Pickup 3500 insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

  1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing separate quote forms for each company. Completing one form gets prices estimates direct from many companies.
  2. A harder way to shop for insurance coverage online is to manually visit the website of each company and fill out their own quote form. For instance, let’s say you want to compare Farmers, Liberty Mutual and Progressive. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which can be really labor intensive.

    For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you are using the exact same information on every quote. If the quotes have unequal deductibles or liability limits then you won’t be able to get a fair rate comparison. Having just a slight variation in insurance coverages may result in large price differences. And when price shopping your coverage, quoting more helps locate a lower rate.

Are you getting every discount?

Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Some of these disounts will be visible when you get a quote, but a few need to be specifically requested before they will apply.

  • Passive Restraint Discount – Cars that have air bags could see savings of more than 20%.
  • More Vehicles More Savings – Drivers who insure multiple cars or trucks on a single policy could earn a price break for each car.
  • Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could earn you a nice discount on your policy.
  • Buy New and Save – Insuring a new car can be considerably cheaper since new model year vehicles have better safety ratings.
  • No Charge for an Accident – This one isn’t a discount, but companies like Allstate and State Farm will let one accident slide before your rates go up if you are claim-free for a particular time prior to the accident.
  • College Student – College-age children who live away from home at college and do not take a car to college may qualify for this discount.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% on Ram pickup insurance than drivers with accidents.
  • Lower Rates for Military – Having a family member in the military may lower your premium rates slightly.

As a footnote on discounts, most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, you won’t be that lucky.

Auto insurance companies who might offer most of the discounts above are:

If you need inexpensive insurance coverage quotes, ask every insurance company how you can save money. Discounts might not be offered on policies in your area. To choose providers that offer some of these discounts, click here.

When in doubt talk to an agent

When choosing adequate coverage, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • How much liability insurance is required?
  • Are my friends covered when driving my car?
  • How much can I save by bundling my policies?
  • I have a DUI can I still get coverage?
  • Which companies will insure high-risk drivers?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Specifics of your insurance policy

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, hail damage and a broken windshield. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This coverage can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like attorney fees, funeral expenses and medical services. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Pickup 3500.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills like doctor visits, hospital visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This covers damage to your Ram Pickup 3500 caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.