Cheap 1996 Dodge Ram Pickup 3500 Insurance Quotes

I can’t think of a single person who anticipates paying for auto insurance, especially when their premiums are through the roof. Since you have so many companies to choose from, it is hard for the average consumer to locate the lowest price auto insurance provider.

Shopping for more affordable coverage can be fairly easy. If you have a current insurance policy or are shopping for new coverage, you can use these techniques to find the best rates and still get good coverage. Drivers just need to learn the proper methods to find the lowest price over the internet.

Compare insurance rate quotes

All the larger insurance companies give pricing online. Getting online rates is possible for anyone as you simply type in your personal and coverage information into the form. After you complete the form, their quoting system pulls your credit score and driving record and returns pricing information based on these factors. This makes comparing rates easy, but the time required to go to multiple sites and fill out multiple forms can get tiresome after awhile. But it’s very important to do this in order to get a better rate.

Rate comparisons made easy

A quicker way to compare insurance pricing is to use a quote form to return rates from more than one company. The form is fast, reduces the work, and makes comparison shopping a little more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process just takes a couple of minutes and can result in significant savings.

To fill out one form to compare multiple rates now, click here and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will get a fair comparison for the exact same coverage.

Take advantage of every insurance coverage discount

Companies that sell car insurance don’t necessarily list every possible discount very well, so the below list has a few of the more common and also the lesser-known savings tricks you should be using when you buy insurance coverage online.

Low Miles Discount – Maintaining low annual mileage may allow you to get slightly better rates than normal.
Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts of up to 25% or more.
Distant Student Discount – Kids who live away from home at college and don’t have a car could get you a discount.
Renewal Discounts – Some larger companies reward drivers for signing up before your current coverage expires. This discount can save up to 10%.
Senior Citizen Rates – If you qualify as a senior citizen, you can get lower premium rates for Ram pickup coverage.
Professional Memberships – Participating in a civic or occupational organization could trigger savings when shopping for insurance coverage.
Policy Bundle Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
No Claim Discounts – Drivers who stay claim-free pay much less compared to insureds who have frequent claims or accidents.
Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a lower rate if you buy some life insurance in addition to your auto policy.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts should help lower the premium cost.

Larger insurance coverage companies and some of their more popular discounts are detailed below.

State Farm offers discounts including multiple autos, multiple policy, accident-free, good student, passive restraint, and student away at school.
American Family may include discounts for air bags, TimeAway discount, accident-free, bundled insurance, early bird, mySafetyValet, and defensive driver.
AAA may have discounts that include anti-theft, pay-in-full, AAA membership discount, good student, multi-car, and multi-policy.
GEICO has savings for membership and employees, military active duty, multi-policy, multi-vehicle, daytime running lights, federal employee, and good student.
Mercury Insurance may offer discounts for accident-free, ease of repair, multi-car, professional/association, age of vehicle, good driver, and location of vehicle.
Farmers Insurance policyholders can earn discounts including alternative fuel, distant student, electronic funds transfer, switch companies, business and professional, and youthful driver.
Progressive has discounts for good student, multi-vehicle, multi-policy, online signing, continuous coverage, online quote discount, and homeowner.

When comparing rates, check with all the companies to give you their best rates. Some discounts may not be offered in your area.

How to know if you need help

When it comes to choosing the best insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help highlight if you would benefit from an agent’s advice.

Is my teenager covered with friends in the car?
Why am I be forced to buy a membership to get insurance from some companies?
What is the minimum liability in my state?
Am I covered if my car is in a flood?
Is my business laptop covered if it gets stolen from my vehicle?
Will my insurance pay for OEM parts?
How can I force my company to pay a claim?
Do I need replacement cost coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Learn about car insurance coverages for a 1996 Dodge Ram Pickup 3500

Learning about specific coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average car insurance policy.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, crashing into a ditch, crashing into a building, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like X-ray expenses, rehabilitation expenses and funeral costs. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 1996 Dodge Ram Pickup 3500.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from a tornado or hurricane and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.