Compare 1994 Dodge Ram Pickup 3500 Insurance Quotes

Consumers have lots of choices when looking for the best price on Dodge Ram Pickup 3500 insurance. You can either spend your time contacting agents to get rate comparisons or save time using the internet to compare rates. There are both good and bad ways to find insurance coverage online so you’re going to learn the quickest way to quote coverages on a Dodge and locate the lowest possible price either online or from local insurance agents.

Find hidden discounts to get affordable insurance coverage rates

Auto insurance companies don’t always publicize the complete list of policy discounts in a way that’s easy to find, so we researched both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for better insurance coverage rates for Ram pickup insurance.
  • Active Service Discounts – Having an actively deployed family member could qualify you for better rates.
  • Paperwork-free – Some of the larger companies may give you up to $50 just for signing your application online.
  • Distant College Student Discount – Children living away from home attending college and leave their car at home could get you a discount.
  • Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower insurance coverage rate if you buy life insurance.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
  • Early Renewal Discounts – A few insurance coverage companies give discounts for signing up before your current policy expires. You can save around 10% with this discount.
  • Theft Deterent – Cars that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Accident Forgiveness Coverage – This one isn’t a discount, but certain companies allow you one accident before raising your premiums if your claims history is clear prior to being involved in the accident.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, you aren’t that lucky.

Popular insurance coverage companies and a selection of discounts are:

  • American Family offers premium reductions for air bags, early bird, good driver, accident-free, and Steer into Savings.
  • Farm Bureau offers discounts including youthful driver, safe driver, multi-policy, driver training, renewal discount, 55 and retired, and multi-vehicle.
  • State Farm includes discounts for safe vehicle, passive restraint, multiple policy, driver’s education, student away at school, multiple autos, and anti-theft.
  • Travelers policyholders can earn discounts including driver training, continuous insurance, multi-policy, home ownership, IntelliDrive, new car, and early quote.
  • The Hartford discounts include good student, air bag, defensive driver, anti-theft, and bundle.
  • Geico may offer discounts for multi-vehicle, five-year accident-free, driver training, federal employee, defensive driver, seat belt use, and air bags.
  • Progressive has discounts for multi-vehicle, good student, online quote discount, multi-policy, continuous coverage, and online signing.

When comparing rates, check with every prospective company which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in your area. To choose insurance coverage companies that can offer you the previously mentioned discounts, click here to view.

The best way to compare car insurance rates utilizes the fact auto insurance companies allow for online access to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information such as if you are currently licensed, whether or not you need a SR-22, whether you are single or married, and how your vehicles are used. Your details is instantly submitted to multiple different insurance companies and you should receive rate quotes quickly.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • I have health insurance so do I need medical payments coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does insurance cover tools stolen from my truck?
  • Am I covered when driving in Canada or Mexico?
  • Do all my vehicles need collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I crash into my own garage door?
  • What is PIP insurance?
  • Do I need more liability coverage?

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, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

Collision coverage covers damage to your Ram Pickup 3500 caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like pain medications, ambulance fees, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists 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.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive car insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, damage from flooding, hail damage, fire damage and rock chips in glass. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like medical expenses, bail bonds, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Do the work, save more money

When searching for the cheapest auto insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Drivers switch companies for many reasons like policy cancellation, poor customer service, lack of trust in their agent or high rates after DUI convictions. It doesn’t matter why you want to switch switching auto insurance companies is not as hard as you think.

Discount 1994 Dodge Ram Pickup 3500 insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. A few companies may not offer price quotes online and many times these small insurance companies sell through independent agencies.

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