2009 Dodge Ram Pickup 3500 Insurance Rates

Want lower car insurance rates for your Dodge Ram Pickup 3500? Are you a victim of overpriced car insurance? You’re in good company because you’re not the only one. There are many car insurance companies to pick from, and though it is a good thing to have multiple companies, more choices can make it harder to compare company pricing.

It’s a good idea to do rate comparisons at least once a year because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate for Ram pickup insurance last year other companies may now be cheaper. Forget all the misinformation about car insurance because I’m going to teach you the quickest way to lower your annual insurance bill.

Finding the best rates is not rocket science. If you are insured now or need new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Vehicle owners just need to know the proper methods to shop for car insurance over the internet.

Finding auto insurance

Cutting your auto insurance rates is a great way to save money. Consumers just need to spend a little time comparing rate quotes from different insurance companies. It’s super easy and can be done by using one of the methods below.

  1. One of the best ways to find low rates is a comparison rater form like this one (opens in new window). This form keeps you from doing repetitive form entry for each price estimate. Filling out one form gets insurance cost estimates from many national carriers.
  2. A less efficient way to find lower rates is to take the time to go to each individual company website to request a price quote. For instance, we’ll pretend you want to compare rates from Liberty Mutual, Progressive and State Farm. To do that, you would have to spend time on each company’s site and type in your information over and over, which can get old fast.

    For a handy list of car insurance company links in your area, click here.

  3. The most difficult method to comparison shop to each insurance agency near you. The ability to quote online makes this process obsolete unless you want the trained guidance that can only be provided by a licensed insurance agent. Drivers can get prices online but buy from a local insurance agent.

Which method you use is up to you, but do your best to use the same quote data on every quote you get. If you are comparing different values for each quote it’s not possible to determine the lowest rate for your Dodge Ram Pickup 3500.

Insurance coverage policy discounts

Auto insurance companies don’t list all available discounts very well, so the list below gives a summary of both the well known as well as some of the hidden credits available to you.

  • Responsible Driver Discount – Insureds who avoid accidents can save up to 40% or more on their car insurance quote for Ram pickup insurance than drivers with accident claims.
  • Defensive Driver Discount – Completing a course that instructs on driving safety could save 5% or more depending on where you live.
  • Multi-car Discount – Insuring more than one vehicle on a single policy qualifies for this discount.
  • Save over 55 – Seniors can get a small discount on rates for Ram pickup insurance.
  • Theft Deterent System – Cars equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
  • Homeowners Pay Less – Simply owning a home can save you money because of the fact that having a home means you have a higher level of financial diligence.

We need to note that some credits don’t apply to the entire cost. Most cut specific coverage prices like medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will bring down your policy cost.

A few popular companies and their possible discounts are detailed below.

  • State Farm may have discounts that include good driver, passive restraint, multiple autos, good student, and anti-theft.
  • Progressive offers discounts including multi-policy, homeowner, continuous coverage, multi-vehicle, and online quote discount.
  • Progressive has discounts for continuous coverage, online signing, online quote discount, multi-policy, multi-vehicle, and good student.
  • MetLife has savings for accident-free, claim-free, defensive driver, good driver, good student, and multi-policy.
  • Farm Bureau offers premium reductions for multi-policy, driver training, renewal discount, 55 and retired, youthful driver, and safe driver.
  • GEICO includes discounts for driver training, emergency military deployment, air bags, membership and employees, and good student.
  • SAFECO discounts include teen safety rewards, anti-lock brakes, multi-car, drive less, and homeowner.

If you want cheaper car insurance quotes, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your area.

Insurance rate influencing factors

Multiple criteria are used in the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but some are not as apparent like your vehicle usage or your financial responsibility.

The itemized list below are a few of the “ingredients” used by your company to calculate rates.

  • Discounts for married drivers – Getting married can get you a discount when shopping for auto insurance. Marriage means you’re more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
  • Credit rating impacts premium premiums – A driver’s credit rating can be an important factor in determining what you pay for auto insurance. If your credit is lower than you’d like, you could be paying less to insure your 2009 Dodge Ram Pickup 3500 if you improve your credit rating. People with excellent credit scores tend to be more responsible and file fewer claims than those with lower credit ratings.
  • Costs for males may be higher – Statistics demonstrate women are more cautious behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Men and women cause fender benders in similar percentages, but the men tend to have higher claims. They also receive more costly citations like driving under the influence (DUI).
  • Premiums may be higher where you live – Residing in a rural area has definite advantages when trying to find low car insurance rates. City drivers tend to have more road rage incidents and more time behind the wheel. Lower population translates into fewer accidents as well as less vandalism and auto theft.
  • Pleasure use or commuting – The higher the miles on your Dodge in a year the more it will cost to insure it. A lot of insurance companies charge rates partially by how you use the vehicle. Vehicles that do not get driven very much qualify for better rates than those that get driven frequently. A policy that improperly rates your Ram Pickup 3500 may be costing you. It’s a good idea to make sure your vehicle rating is showing annual mileage, because improper ratings can cost you money.

How do I know if I need professional advice?

When buying coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions could help you determine if you will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • Exactly who is provided coverage by my policy?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Does coverage extend to a rental car in a foreign country?
  • What is roadside assistance coverage?
  • Do I need rental car coverage?
  • Can my babysitter drive my car?
  • Do I need replacement cost coverage?
  • Is my Dodge Ram Pickup 3500 covered if I use it for business?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

Collision coverage – Collision coverage covers damage to your Ram Pickup 3500 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Ram Pickup 3500.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from getting keyed, theft, vandalism and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability – This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like court costs, structural damage, legal defense fees, medical services and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses for surgery, doctor visits, X-ray expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Summing up your insurance coverage search

When you buy car insurance online, make sure you don’t skimp on coverage in order to save money. There have been many situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

Cheaper insurance coverage is possible from both online companies in addition to many insurance agents, so you should compare both to have the best selection. Some companies don’t offer rates over the internet and these regional carriers only sell through local independent agents.

We’ve covered a lot of tips how to save on 2009 Dodge Ram Pickup 3500 insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even find the biggest savings come from the smaller companies. Some small companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Progressive or GEICO.

Additional insurance coverage information can be found below: