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