2000 Dodge Ram Pickup 3500 Car Insurance Rates

Purchasing the most affordable insurance coverage online can appear to be somewhat intimidating for beginners to comparison shopping on the web. With such a large number of insurers available, how are consumers expected to have the ability to compare every one to find the best price?

If you have car insurance now, you should be able to lower your premiums substantially using this information. Locating affordable coverage is simple if you know the tricks. But car owners do need to learn how big insurance companies compete online.

Cheaper rates with these discounts

Auto insurance is not inexpensive, but there could be significant discounts that can help lower your rates. Certain credits will be shown when you purchase, but less common discounts must be manually applied prior to getting the savings.

  • Telematics Discount – People who choose to allow data collection to monitor where and when they drive by installing a telematics device such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
  • Homeowners Discount – Just owning your own home may trigger a policy discount on auto insurance because maintaining a house is proof that your finances are in order.
  • New Vehicle Savings – Insuring a new car can save you some money since newer models have better safety ratings.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discounted rate on car insurance if you buy life insurance.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off for Ram pickup coverage but check with your company.
  • No Accidents – Insureds with no claims or accidents can save substantially as opposed to accident-prone drivers.
  • Distant College Student Discount – Children who live away from home at college without a vehicle on campus may qualify for this discount.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% for Ram pickup coverage.

It’s important to understand that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

Large auto insurance companies and a selection of discounts can be read below.

  • State Farm may include discounts for driver’s education, good student, accident-free, Steer Clear safe driver discount, student away at school, and safe vehicle.
  • GEICO policyholders can earn discounts including emergency military deployment, membership and employees, defensive driver, daytime running lights, and multi-policy.
  • Progressive may offer discounts for homeowner, multi-vehicle, continuous coverage, good student, and multi-policy.
  • 21st Century offers premium reductions for automatic seat belts, 55 and older, driver training, air bags, and good student.
  • American Family may have discounts that include defensive driver, early bird, TimeAway discount, accident-free, good driver, and multi-vehicle.
  • The Hartford has discounts for vehicle fuel type, bundle, anti-theft, defensive driver, and good student.
  • AAA includes discounts for multi-policy, anti-theft, good student, multi-car, and AAA membership discount.

Before buying, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. If you would like to see a list of companies who offer online auto insurance quotes, click here to view.

Shop auto insurance online

When comparison shopping, there are several ways to compare prices from different insurance companies. The best way to compare 2000 Dodge Ram Pickup 3500 insurance prices involves getting comparison quotes online. This is quite simple and can be completed using a couple different methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click to view form in new window. This quick form keeps you from doing repetitive form entry for every company. Taking the time to complete one form gets insurance cost estimates from all major companies. Just one form and you’re done.
  2. A more time consuming way to compare rate quotes requires you to visit each individual company website and repeat the quote process again and again. For examples sake, let’s say you are doing a rate comparison from GEICO, Esurance and State Farm. You would have to navigate to each company’s site and enter your policy data, which can take a lot of time.

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

How you compare quotes is your choice, just make sure you use apples-to-apples coverage limits for each comparison quote. If each company quotes different liability limits you can’t possibly make an equal comparison. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. Just remember that making a lot of price comparisons helps locate more affordable insurance. Some regional insurers cannot provide online rate quotes, so it’s necessary to compare price quotes on coverage from those companies, too.

Car insurance can be complex

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • Should I buy additional glass protection?
  • How much liability insurance is required?
  • Do I really need UM/UIM coverage?
  • Should I get collision insurance on every vehicle?
  • Does my 2000 Dodge Ram Pickup 3500 need full coverage?
  • Should I have combined single limit or split liability limits?
  • Is my teen driver covered when they drive my company car?
  • What are the best liability limits?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages

Liability insurance protects you from damage that occurs to people or other property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as court costs, bail bonds, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your 2000 Dodge Ram Pickup 3500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

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

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, a broken windshield, theft, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses such as prosthetic devices, nursing services and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, hitting a mailbox, driving through your garage door, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Do the work, save more money

When shopping online for auto insurance, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured cut collision coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, policy non-renewal, questionable increases in premium or unfair underwriting practices. No matter why you want to switch, choosing a new company is easier than you think.

We’ve covered a lot of ways to compare 2000 Dodge Ram Pickup 3500 insurance premium rates online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your prices. Drivers may discover the lowest premium rates are with an unexpected company.

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