How Much Does 2006 Dodge Ram Pickup 3500 Insurance Cost?

I can’t think of anyone who likes having to buy car insurance, especially when they know the prices are way too high.

Consumers have multiple insurers to pick from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

First Step: Get free auto insurance quotes

Shopping for lower auto insurance rates can be a lot of work if you don’t utilize the easiest way. You can spend your afternoon driving to agents in your area, or you can utilize the web to get pricing more quickly.

Most car insurance companies participate in an industry program where prospective buyers enter their policy data once, and each company can give them a price. This system prevents you from having to do quote requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to comparing rates this way is you can’t choose the insurers to get quotes from. If you would rather choose from a list of companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Whichever way you use, compare the exact same coverages and limits on every quote you get. If you are comparing mixed coverages it will be next to impossible to decipher which rate is best. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. Just keep in mind that quoting more increases the change that you will find the best offered rates. Not every company allows you to get rate quotes online, so it’s important to compare prices from the smaller companies as well.

Will just any policy work for me?

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out whether or not you might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my 2006 Dodge Ram Pickup 3500 need full coverage?
  • Why is insurance for a teen driver so high?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when driving a rental car?
  • Am I insured when driving a different vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need more liability coverage?
  • Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverages 101

Understanding the coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverages offered by insurance companies.

UM/UIM Coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 3500.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, nursing services, prosthetic devices and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with a tree, damaging your car on a curb, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like funeral expenses, emergency aid and bail bonds. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.