Dodge RAM 350 Insurance

You have many choices when attempting to insure your Dodge vehicle. You can either buy through your neighborhood insurance agent or get quotes online to compare rates from insurance providers. Buying car insurance by comparing rates online saves time, is easy to do, in addition you will probably save money.

Shopping online for car insurance can be complicated if you are a beginner to online quotes. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from local car insurance companies. The fastest way to compare Dodge RAM 350 insurance quotes is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine Dodge insurance rates

Insurance rates on a Dodge RAM 350 can vary widely and are calculated by many factors. A few of these criteria are:

High performance increases premiums
Any accidents you may have
Multiple policies can save money
Pleasure use vs. commuting use
Optional coverages like vehicle replacement
Your profession
Your coverage level
Owning a home can lower rates

One last important factor that helps determine the rate you pay on your Dodge is the year of manufacture. Older models have a much lower replacement value so the cost to replace them may end up costing you less. On the flip side, newer models may have options like a backup camera, dual-stage airbags, and an advanced theft deterrent system which can lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your RAM 350 from the following list.

Auto liability insurance

This protects you from injuries or damage you cause to people or other property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your Dodge resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Dodge RAM 350 can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper Dodge RAM 350 insurance rates.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Dodge RAM 350 Insurance Rates?