Save on 2002 Dodge Ram Pickup 3500 Insurance Quotes

Trying to find lower car insurance rates for your Dodge Ram Pickup 3500? Searching for low-cost insurance for a Dodge Ram Pickup 3500 could be difficult, but you can use the following methods to make it easier. There is a better way to find car insurance online so we’re going to tell you the best way to compare rates on a Dodge and get the best price possible from local insurance agents and online providers.

Why smart buyers pay less for Dodge Ram Pickup 3500 insurance

Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but other factors are less apparent such as your credit history or your commute time.

The items below are some of the items used by your company to calculate premiums.

  • Multi-policy discounts can save money – Many insurers afford a discount for people who buy several policies from them in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more Even if you already get this discount, consumers should still check prices from other companies to verify if the discount is saving money.
  • Deductibles are a factor – Insurance for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some examples of covered claims are a broken windshield, vandalism, and burglary. Physical damage deductibles tell how much you are willing to pay if a claim is determined to be covered. The higher the amount the insured has to pay upfront, the lower your rates will be for Ram pickup coverage.
  • Minor frequent policy claims are not good – Insurance companies provide better rates to people who do not file claims often. If you file claims often, you can expect much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of larger claims.
  • Extra policy coverages may be wasting money – There are many optional add-on coverages that may not really be needed but may not be useful. Insurance for things like rental car reimbursement, accident forgiveness, and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past remove them from your policy.

More discounts mean lower-cost premiums

Properly insuring your vehicles can get expensive, but there are discounts available that many consumers don’t even know exist. Some of these disounts will be visible at the time of quoting, but once in a while a discount must be requested specifically before being credited.

  • Save with a New Car – Insuring a vehicle that is new can cost up to 25% less because newer models keep occupants safer.
  • Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote car insurance for Ram pickup coverage depending on your company.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on insurance coverage.
  • Accident Free – Drivers with accident-free driving histories can save substantially in comparison with drivers with a long claim history.
  • Senior Citizen Rates – If you’re over the age of 55, you can possibly qualify for lower premium rates for Ram pickup coverage.
  • Switch and Save Discount – A few larger companies allow discounts for switching to them before your current policy expires. You may see this discount when you get car insurance quotes online.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like all the discounts add up to a free policy, it’s just not the way it works.

To view providers with significant discounts, click here to view.

Is there deception in advertising?

Consumers can’t get away from all the ads that claim the cheapest rates by Progressive, GEICO, Allstate and State Farm. They all advertise claims that drivers can save some big amount after switching your coverage.

But how can every company sell you cheaper insurance coverage? It’s all in the words they use.

Insurance companies quote their best rates for the type of customer they prefer to insure. For example, a preferred risk might be described as over the age of 50, insures multiple vehicles, and has great credit. Anybody that meets those criteria will probably get cheap car insurance rates and will most likely save some money.

People who cannot meet those criteria will have to pay higher prices and the prospect going elsewhere. The wording the ads use say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can truthfully advertise the way they do. Different companies use different criteria so you should compare quotes as often as possible. It is impossible to predict with any certainty which company will have the lowest prices for your situation.

It’s not one size fits all

When it comes to choosing coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether or not you might need professional guidance.

  • Does my 2002 Dodge Ram Pickup 3500 need full coverage?
  • Is my camper covered by my car insurance policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need motorclub coverage?
  • Do I need higher collision deductibles?
  • Does my 2002 Dodge Ram Pickup 3500 qualify for pleasure use?
  • Do I need replacement cost coverage on my 2002 Dodge Ram Pickup 3500?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance coverages explained

Having a good grasp of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, scraping a guard rail, crashing into a ditch, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2002 Dodge Ram Pickup 3500.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability auto insurance – Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as medical expenses, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as doctor visits, nursing services, dental work and pain medications. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, falling objects, theft and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Cheaper insurance is a realistic goal

When you buy car insurance online, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that it was a big mistake. The proper strategy is to buy enough coverage for the lowest cost, not the least amount of coverage.

Throughout this article, we presented a lot of ways to save on 2002 Dodge Ram Pickup 3500 insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

Insureds change insurance companies for any number of reasons including not issuing a premium refund, high rates after DUI convictions, high prices or even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

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