2004 Dodge Ram Pickup 3500 Insurance Rates

Searching for cheaper car insurance rates for your Dodge Ram Pickup 3500? I can’t think of anyone who enjoys paying for car insurance, especially knowing the cost is too high.

Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates to find the best price available.

You should make it a habit to do price comparisons before your policy renews since insurance prices are rarely the same from one policy term to another. If you had the lowest rates for Ram pickup coverage six months ago you will most likely find a better rate quote today. You can search a lot of car insurance online but I’m going to show you a bunch of ideas how to buy car insurance cheaper.

Informed drivers save money

Lots of things are taken into consideration when you get a price on insurance. Some of the criteria are obvious like an MVR report, but some are not quite as obvious like your vehicle usage or how financially stable you are.

Shown below are a few of the “ingredients” companies use to determine prices.

  • Higher deductibles save money – Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Coverage for physical damage, also called ‘full coverage’, insures against damage to your car. Some examples of claims that would be covered are collision with another vehicle, hail damage, and damage caused by road hazards. The more damage repair cost you have to pay, the less your company will charge you for insurance for Ram pickup coverage.
  • High credit scores equal low rates – Having a bad credit history can be an important factor in determining what you pay for auto insurance. If your credit rating is low, you could potentially save money when insuring your 2004 Dodge Ram Pickup 3500 by repairing your credit. People that have high credit scores tend to be more responsible than drivers with worse credit.
  • With age comes lower costs – More experienced drivers are shown to be more cautious, are lower risk to insure and tend to be get fewer driving tickets.Drivers with little experience are known to be easily distracted with other occupants in the car therefore auto insurance rates are much higher.
  • Men tend to take more risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. They both have accidents in similar percentages, but males have accidents that have higher claims. In addition to higher claims, males also get cited for more serious violations such as DWI and reckless driving. Young men ages 16 to 20 cause the most accidents and thus pay the highest rates.

Compare free car insurance rate quotes

When shopping for car insurance there are multiple ways to obtain and compare prices from many car insurance companies in your state. One of the best ways to find competitive 2004 Dodge Ram Pickup 3500 insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • One of the fastest ways to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do boring form submissions for each company. One quote request will return quotes from many national carriers.
  • A more difficult way to get comparison quotes is going to the website for each individual company to complete a price quote. For instance, let’s assume you want to get rates from Nationwide, Esurance and Farmers. In order to get each rate, you would have to take the time to go to each site to input your insurance information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.
  • Even if you have time, the least recommended way to find lower rates to local insurance agencies. The internet makes this unnecessary unless you require the trained guidance that only an agent can give. Some companies do allow you to compare the best prices online and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just ensure you’re using nearly identical quote data with every price quote. If you compare differing limits it’s not possible to determine the lowest rate for your Dodge Ram Pickup 3500. Just slight variations in limits may result in a large different in cost. And when comparing car insurance rates, know that comparing a wide range of rates increases your odds of finding a better price. Some insurance companies are not set up to provide online price quotes, so it’s necessary to compare quotes from the smaller companies as well.

Get cheaper insurance coverage with discounts

Companies don’t always advertise their entire list of discounts very clearly, so the following list contains some of the more common as well as the least known credits available to bring down your rates.

  • Auto/Home Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Discounts for Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Distant College Student Discount – Any of your kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Drivers without accidents can save as much as half off their rates for Ram pickup coverage compared to accident prone drivers.
  • Clubs and Organizations – Affiliation with qualifying clubs or civic groups may earn a discount on your next renewal.
  • Save with a New Car – Buying a new car model may earn a small discount due to better safety requirements for new model year vehicles.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
  • Air Bags and Passive Restraints – Options like air bags can receive discounts of 25 to 30%.

As a sidenote, most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and some of the discounts are:

  • GEICO offers discounts for federal employee, membership and employees, emergency military deployment, anti-lock brakes, multi-policy, and multi-vehicle.
  • Travelers includes discounts for driver training, continuous insurance, payment discounts, multi-car, hybrid/electric vehicle, and early quote.
  • Nationwide offers premium reductions for easy pay, Farm Bureau membership, multi-policy, accident-free, family plan, defensive driving, and good student.
  • Farmers Insurance has savings for switch companies, business and professional, youthful driver, homeowner, and multi-car.
  • Esurance may include discounts for Switch & Save, DriveSense, emergency road assistance, defensive driver, anti-theft, multi-policy, and Pac-12 alumni.
  • State Farm policyholders can earn discounts including Drive Safe & Save, multiple policy, student away at school, multiple autos, driver’s education, anti-theft, and good driver.
  • Progressive may have discounts that include continuous coverage, online quote discount, online signing, good student, and multi-policy.
  • Mercury Insurance offers discounts including professional/association, good student, ease of repair, multi-policy, type of vehicle, annual mileage, and age of vehicle.

Before you buy a policy, ask every company which discounts can lower your rates. Some of the discounts discussed earlier may not apply in every state. If you would like to view providers with the best discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight if you might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How much liability do I need to cover my assets?
  • Does my car insurance cover rental cars?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, colliding with a tree, scraping a guard rail, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses like chiropractic care, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram Pickup 3500.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, damage from a tornado or hurricane, hail damage and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – This protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means 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. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, structural damage, court costs and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

At the end of the day…

As you restructure your insurance plan, do not reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage to discover at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Discount 2004 Dodge Ram Pickup 3500 insurance can be sourced online and from local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers may not provide the ability to get a quote online and many times these regional insurance providers sell through independent insurance agents.

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