Cheaper 1997 Dodge Ram Pickup 3500 Insurance Cost

Consumers have options when looking for the best price on Dodge Ram Pickup 3500 insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to make rate comparisons.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the quickest way to get price quotes for a new or used Dodge and get the lowest possible price.

You should make it a habit to get comparison quotes once or twice a year since prices are usually higher with each renewal. Even if you think you had the best deal on Ram pickup coverage a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the easiest way to buy cheaper insurance coverage.

Car insurance discounts are available to lower your rates

Car insurance companies don’t always publicize all their discounts very well, so the list below contains some of the more common and the harder-to-find credits available to you.

  • Braking Control Discount – Cars and trucks equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
  • Senior Citizen Discount – Mature drivers can possibly qualify for a slight reduction on a auto insurance quote on Ram pickup coverage.
  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of 25 to 30%.
  • No Accidents – Good drivers with no accidents pay less in comparison with drivers with a long claim history.
  • Bundled Policy Discount – If you can combine your auto and home policy and insure them with the same company you could earn a discount of nearly 15% which can help you find inexpensive auto insurance.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies will forgive one accident before your rates go up with the catch being you have to be claim-free for a specific time period.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

A partial list of companies that may have these money-saving discounts include:

If you are trying to find low cost auto insurance quotes, ask each company or agent to give you their best rates. Savings may not apply to policyholders in every state.

Insurance quotes comparison

Finding cheaper 1997 Dodge Ram Pickup 3500 insurance rates is a great way to save money. You just need to take time to compare rate quotes online with multiple companies. Shoppers can get rates in just a few minutes using one of these methods.

The fastest way to get quotes is to use a rate comparison form click to view form in new window. This form saves time by eliminating a different quote for each company you want a rate for. Filling out one form compares rates from all major companies. It’s the fastest way to compare.

A more time consuming way to get comparison quotes is going to the website of each company to complete their respective quote request forms. For examples sake, let’s say you want to view quotes from Liberty Mutual, Esurance and Farmers. You would need to spend time on each company’s site to enter your coverage information, which can get rather old. To view a list of companies in your area, click here.

The last method to compare price quotes is calling or driving to insurance agents’ offices. Comparing rate quotes online makes this process obsolete unless your situation requires the professional guidance of a local agent. If you prefer, some companies allow you to get the lowest quotes online but buy the policy through an agent.

It’s your choice how you get your quotes, but ensure you are comparing equivalent coverage data for each price quote. If you have different coverage information it’s impossible to make an equal comparison.

Everyone needs different insurance coverage coverages

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Can I drive in Mexico and have coverage?
  • Can my teen drive my company car?
  • What discounts do I qualify for?
  • Which is better, split liability limits or combined limits?
  • What companies insure drivers after a DUI or DWI?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Coverages available on your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, emergency aid, legal defense fees, court costs and bail bonds. How much coverage you buy is your choice, but buy higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your Ram Pickup 3500 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance covers 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 hitting a bird, a tree branch falling on your vehicle, a broken windshield and theft. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1997 Dodge Ram Pickup 3500.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as rehabilitation expenses, EMT expenses, pain medications, X-ray expenses and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Have money to burn

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The aim is to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Cheap 1997 Dodge Ram Pickup 3500 insurance can be found both online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide internet price quotes and usually these smaller companies work with independent insurance agents.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, poor customer service, policy non-renewal and high prices. Regardless of your reason, finding a new company is not as difficult as it may seem.

Helpful articles