2007 Dodge Ram Pickup 3500 Car Insurance Rates

Looking for better insurance rates for your Dodge Ram Pickup 3500? Having to pay for overpriced insurance can overdraw your budget and make it impossible to make ends meet.

Online insurance companies like Progressive, State Farm and GEICO continually hit you with catchy ads and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Choosing the best insurance company for you is not rocket science. Nevertheless, consumers can benefit by having an understanding of the way companies compete online and apply this information to your search.

Buy insurance coverage online

All the larger insurance coverage companies like Progressive, Allstate and GEICO allow you to get prices for coverage online. Obtaining pricing doesn’t take a lot of time because you just enter into a form. Behind the scenes, their quoting system will order information on your driving record and credit history and generates a price. Online quotes simplifies rate comparisons, but the work required to visit a lot of sites and type in your information can get tiresome after awhile. But it’s also necessary to compare as many rates as possible if you want to find the lowest insurance coverage rates.

There is an easier way to compare rates

The easiest way to find better insurance coverage pricing uses just one form that gets prices from multiple companies. It saves time, helps eliminate reptitive entry, and makes comparison shopping much more efficient. After sending the form, it is rated and you are able to buy any or none of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process just takes a couple of minutes and could lower your rates considerably.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you duplicate the coverage information identical to your current policy. This helps ensure you will be getting a price comparison for similar insurance coverage.

Are you earning every discount?

Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so the list below details both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • No Accidents – Drivers who don’t have accidents pay much less in comparison to frequent claim filers.
  • Auto/Life Discount – Some insurance companies give a small discount if you purchase a life insurance policy as well.
  • Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on Ram pickup coverage depending on your company.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to the expiration date on your current policy. This can save 10% or more.
  • Clubs and Organizations – Being in a qualifying organization is a good way to get lower rates on your policy.
  • Safety Course Discount – Taking a class that teaches defensive driving techniques may get you a small discount and make you a better driver.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Larger auto insurance companies and their possible discounts are outlined below.

  • State Farm policyholders can earn discounts including safe vehicle, passive restraint, defensive driving training, anti-theft, Steer Clear safe driver discount, and student away at school.
  • American Family may include discounts for bundled insurance, Steer into Savings, early bird, mySafetyValet, and TimeAway discount.
  • AAA offers discounts including multi-policy, multi-car, good driver, good student, pay-in-full, anti-theft, and AAA membership discount.
  • GEICO offers premium reductions for anti-lock brakes, anti-theft, seat belt use, driver training, and multi-policy.
  • Mercury Insurance may have discounts that include good driver, low natural disaster claims, accident-free, age of vehicle, location of vehicle, good student, and type of vehicle.
  • Farmers Insurance offers discounts for good student, electronic funds transfer, teen driver, early shopping, homeowner, and alternative fuel.
  • Progressive discounts include online quote discount, homeowner, multi-policy, continuous coverage, multi-vehicle, and good student.

Double check with all companies you are considering which discounts they offer. Depending on the company, some discounts might not be offered in your state.

Buy cheaper insurance coverage with these tips

Lots of factors are part of the calculation when you get a price on insurance. Some factors are common sense like an MVR report, but some are not as apparent like where you live or how financially stable you are.When buying insurance coverage it’s important to understand the factors that go into determining the price you pay for insurance coverage. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can earn you better insurance coverage rates.

  • Insurance coverage rates and age – Teenage drivers are known to be easily distracted when driving with friends therefore insurance coverage rates are much higher. If you’ve ever had to add a inexperienced driver onto a policy can break the bank. Older, more experienced drivers are more cautious drivers, cost insurance companies less in claims and get fewer tickets.
  • Low coverage deductibles cost more – Physical damage coverage, also called ‘full coverage’, protects your Dodge from damage. Some coverage claims are running into the backend of another car, collision with an animal, and windstorm damage. Your deductibles tell how much you are willing to pay out-of-pocket if a claim is determined to be covered. The more money you choose to pay out-of-pocket, the less money you will pay for insurance coverage on Ram pickup coverage.
  • Cut rates and deter theft – Buying a car with an alarm system can save you a little every year. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.
  • Car and home together may be cheaper – Most insurance companies apply better rates to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even if you’re getting this discount you still need to comparison shop to verify if the discount is saving money.
  • Women tend to take less risk – The statistics show that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Both sexes are in fender benders at a similar rate, but the males have accidents that have higher claims. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Use credit responsibly and save – Credit score is a big factor in your rate calculation. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with worse credit. If your credit rating leaves room for improvement, you could potentially save money when insuring your 2007 Dodge Ram Pickup 3500 if you clean up your credit.
  • Inexpensive frequent policy claims are not good – If you’re an insured who likes to file claims you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies provide cheaper rates to people who do not file claims often. Your insurance policy is intended for claims that you cannot pay yourself.

When in doubt talk to an agent

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if you may require specific advice.

  • Am I getting all the discounts available?
  • Should I buy additional glass protection?
  • What can I do if my company denied a claim?
  • Am I covered when pulling a rental trailer?
  • When can my company non-renew my policy?
  • Is business property covered if stolen from my car?
  • Are my tools covered if they get stolen from my vehicle?

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

Save $410 a year! What?

Well-known auto insurance companies like Progressive, Allstate and GEICO seem to constantly run ads in print and on television. All the ads make an identical promise that drivers will save a bundle if you change your coverage to them. How does each company give you a better price? This is the way they can do it.

Auto insurance companies have strict underwriting profiles for the type of driver that earns them the highest profit. For instance, a profitable risk profile could possibly be over age 30, has few claims, and drives less than 7,500 miles a year. Anyone that fits those parameters will qualify for the lowest car insurance rates and will save some money.

People who cannot meet this ideal profile will probably have to pay higher premiums which leads to the customer buying from a different company. The wording the ads use say “people who switch” but not “everyone who gets a quote” save the amount stated. That is how companies can make those claims.

That is why you need to compare many company’s prices. It is impossible to guess which company will have the best premium rates at this point in time.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by auto insurance companies.

Collision coverage – This covers damage to your Ram Pickup 3500 resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Dodge Ram Pickup 3500.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as X-ray expenses, hospital visits, rehabilitation expenses, ambulance fees and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, theft, a tree branch falling on your vehicle, hitting a deer and fire damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages – This coverage will cover damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

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 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical services, legal defense fees, structural damage, funeral expenses and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Never pay more for less

Affordable 2007 Dodge Ram Pickup 3500 insurance is available both online as well as from insurance agents, and you need to comparison shop both to have the best selection. A few companies don’t offer online rate quotes and most of the time these small, regional companies only sell through independent agents.

As you prepare to switch companies, you should never reduce needed coverages to save money. There are too many instances where an accident victim reduced collision coverage only to regret at claim time that the savings was not a smart move. Your objective should be to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

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