Dodge Ram Pickup 3500 Insurance

You have many choices when trying to insure your Dodge vehicle. You can either contact an agent or price shop online to compare pricing from lots of different providers. Shopping for auto insurance through online providers is simple to do, in addition you can save money.

Comparing auto insurance rates direct online can be complicated if you have never used online quotes. But don't let that discourage you because it's actually quite easy. Finding a lower price on Ram Pickup 3500 insurance is surprisingly easy. You just have to take a little time getting comparison quotes online with multiple companies. This is very easy and can be done by visiting this page.

Criteria which help determine Ram Pickup 3500 insurance cost

Car insurance premiums for a Dodge Ram Pickup 3500 can vary widely subject to many criteria. A few of these criteria are:

More performance equals higher cost
Any accidents you may have
Whether you insure your home with the same company
Use of your vehicle
Your birth date
Being married can lower rates
Optional coverages like vehicle replacement
Your claim history
No coverage lapses saves money
Owning a home can lower rates

An additional factor that will help determine Ram Pickup 3500 insurance rates is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the payout to repair can inflate annual premiums. Conversely, newer vehicles may have safety features such as a backup camera, autonomous braking, active head restraints, and all-wheel drive which can provide discounts that lower premiums.

To get a better idea how much rates will be for your vehicle, select the year of your Ram Pickup 3500 from the following list.

Liability auto insurance

Ram Pickup 3500 liability coverage can cover injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage

Collision coverage covers damage to your Dodge caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Ram Pickup 3500 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Dodge Ram Pickup 3500 Insurance Rates?