2001 Dodge Ram Pickup 3500 Car Insurance Quotes

Cutting costs on Driversinsurance might be hard for drivers not familiar with online insurance quotes. Drivers have so many options that it can quickly become a difficult mission to find cheaper prices.

Pricing affordable insurance coverage is quite easy. Essentially every driver who buys insurance should be able to save money. Nevertheless, drivers should learn the way companies price insurance differently and take advantage of how the system works.

Buy car insurance online

To find the best car insurance rates, there are several ways to compare rate quotes from local car insurance companies. By far the easiest way to find the lowest 2001 Dodge Ram Pickup 3500 rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form keeps you from doing repetitive form submissions to each individual car insurance company. Just one form will get you rate comparisons from multiple low-cost companies. This is by far the quickest method.

A slightly less efficient method to find more affordable insurance requires a trip to each company website to complete their respective quote request forms. For examples sake, let’s say you want to get rates from Progressive, Safeco and Allstate. To find out each rate you need to go to each individual site to enter your coverage information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

However you get your quotes, ensure you are comparing the same quote data for each comparison quote. If the quotes have mixed coverages it will be next to impossible to truly determine the lowest rate. Just slight variations in limits could skew the results. And when comparing car insurance rates, know that making a lot of price comparisons gives you a better chance of getting more affordable rates.

Take advantage of these premium-slashing discounts

Auto insurance is not inexpensive, but there may be some discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be inquired about prior to receiving the credit. If you aren’t receiving every discount you qualify for, you could be saving more on your auto insurance.

  • Active Service Discounts – Being deployed with a military unit could be rewarded with lower auto insurance rates.
  • Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Homeowners Pay Less – Owning a house can get you a discount because maintaining a house requires personal responsibility.
  • Discounts for New Vehicles – Putting auto insurance coverage on a new car can get you a discount due to better safety requirements for newer vehicles.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Allstate and State Farm will forgive one accident before your rates go up with the catch being you have to be claim-free before the accident.
  • Bundled Policy Discount – When you have multiple policies with the same insurance company you will save nearly 15% which can help you find cheaper car insurance.
  • Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles with the same company can reduce rates for all insured vehicles.
  • Professional Memberships – Being in certain professional organizations can get you a small discount on auto insurance.
  • Pay Early and Save – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
  • Onboard Data Collection – Insureds who allow driving data collection to study vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.

It’s important to note that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, you’re out of luck.

A few of the larger companies and their offered discounts are included below.

  • Progressive may include discounts for online signing, online quote discount, good student, homeowner, and multi-policy.
  • AAA offers discounts for pay-in-full, multi-car, education and occupation, multi-policy, anti-theft, good driver, and AAA membership discount.
  • Farmers Insurance policyholders can earn discounts including multi-car, switch companies, bundle discounts, youthful driver, and distant student.
  • GEICO has savings for driver training, emergency military deployment, military active duty, defensive driver, multi-policy, anti-theft, and five-year accident-free.
  • Esurance discounts include Switch & Save, good driver, safety device, anti-theft, and anti-lock brakes.
  • SAFECO may offer discounts for anti-theft, multi-car, homeowner, bundle discounts, teen safe driver, accident prevention training, and anti-lock brakes.
  • State Farm offers discounts including accident-free, defensive driving training, safe vehicle, Drive Safe & Save, passive restraint, and Steer Clear safe driver discount.

When comparing rates, check with each insurance company the best way to save money. Some discounts may not apply to policies in every state.

Smart buyers save more

Many factors are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, although others are not quite as obvious such as your credit history or how financially stable you are.

Listed below are a partial list of the pieces used by insurance companies to determine your rates.

  • Liability coverage is important – A critical coverage on your policy, liability insurance will provide protection when you are found liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Costs are affected by your address – Living in less populated areas of the country is a positive aspect when it comes to car insurance. Less people means less chance of accidents in addition to fewer liability claims. Urban drivers tend to have much more traffic and a longer drive to work. More time commuting can result in more accidents.
  • Theft deterrents lower prices – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft and help bring rates down.
  • How many miles do you drive? – The higher the miles on your Dodge annually the higher your rate. The majority of insurers rate vehicles partially by how you use the vehicle. Vehicles that are left in the garage can get a lower rate than cars that get driven a lot. It’s a good idea to make sure your declarations sheet is rated on the right rating data. An incorrectly rated Ram Pickup 3500 may be costing you higher rates.
  • Premiums may be lower depending on your job – Did you know your occupation can influence how much you pay for car insurance? Occupations like military generals, executives and miners usually pay higher premiums than the average policyholder attributed to job stress and incredibly demanding work hours. Other careers like scientists, students and the unemployed generally pay rates lower than average on Ram pickup coverage.

Do I need special coverages?

When buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • If I drive on a suspended license am I covered?
  • Is extra glass coverage worth it?
  • When should I not file a claim?
  • What can I do if my company denied a claim?
  • What if I don’t agree with a claim settlement offer?
  • Who is covered when they drive my 2001 Dodge Ram Pickup 3500?
  • Is motorclub coverage worth it?
  • When do I need to add a new car to my policy?
  • How can I get high-risk coverage after a DUI?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Specific coverage details

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like emergency aid, structural damage, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for hospital visits, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your Ram Pickup 3500 caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle, rolling your car, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, theft, rock chips in glass, fire damage and damage from flooding. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Save your hard earned cash

Drivers leave their current company for a variety of reasons including an unsatisfactory settlement offer, poor customer service, denial of a claim and delays in responding to claim requests. No matter why you want to switch, switching companies is easier than you think.

We covered a lot of information how to compare 2001 Dodge Ram Pickup 3500 insurance rates online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the lowest rates are with some of the lesser-known companies.

Cheaper insurance coverage is available on the web and from local insurance agents, so you should compare both to have the best selection. A few companies do not provide the ability to get a quote online and many times these smaller providers only sell through independent agents.

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