Lower Your 1996 Dodge Ram Pickup 3500 Insurance Quotes

Want the cheapest insurance coverage rates for your Dodge Ram Pickup 3500? Finding cheap insurance coverage could be challenging for beginners to buying insurance online. There are so many agents and companies to choose from that it can easily turn into a difficult challenge to find better prices.

You should make it a habit to price shop coverage on a regular basis because insurance coverage prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates for Ram pickup coverage at your last renewal you can probably find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

The method we recommend to compare car insurance rates is to know all the major auto insurance companies pay for the opportunity to provide you with a free rate quote. To get started, all you need to do is give the companies some data like if the vehicle is leased, if your license is active, what your job is, and how your vehicles are used. Those rating factors is instantly provided to multiple companies and they return cost estimate quickly.

To compare rates for your Dodge Ram Pickup 3500 now, click here then complete the form.

Auto insurance savings promises

Companies like State Farm, Geico and Progressive regularly use ads in print and on television. They all seem to make the same claim of big savings if you change to their company. Is it even possible that every company can lower your premium rates? It’s all in how they say it.

All the different companies give the best rates for a prospective insured that earns them a profit. A good example of a profitable risk profile may be between the ages of 30 and 45, has other policies, and drives a vehicle with a low ISO rating. Anybody who meets those qualifications will get low rates and will also pay quite a bit less when switching companies.

Potential insureds who fall short of the ideal profile will have to pay a higher rate and this can result in the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That’s the way companies can make those claims.

Because of these techniques, you should get insurance quotes as often as possible. It’s not possible to predict which auto insurance company will have the best premium rates.

Eight things that influence your insurance rates

Lots of factors are considered when you get a price on insurance. Some factors are common sense like a motor vehicle report, but some are less apparent like your continuous coverage and annual miles driven.

Listed below are a few of the “ingredients” auto insurance companies consider when setting prices.

  • Buy as much liability coverage as you can afford – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Male costs may be higher – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. It does not mean women are BETTER drivers than men. They both cause auto accidents at a similar rate, but the men have accidents that have higher claims. In addition to higher claims, males also receive more costly citations like DUI and reckless driving. Young males are most likely to cause an accident so they pay the highest premiums.
  • Multi-policy discounts can save money – Many insurers afford discounts for people who buy several policies from them. It’s known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more If you currently are using one company, you still need to check prices from other companies to help ensure you have the lowest rates. Consumers may find a better deal by buying insurance from more than one company.
  • Don’t buy extra policy coverages you don’t use – Insurance companies have many extra coverages that you can buy when buying auto insurance. Insurance for things like vanishing deductibles, high-cost glass coverage, and membership fees are examples of these. They may seem good when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
  • What are your deductibles? – Protection for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Dodge. Examples of some claims that would be covered are running into the backend of another car, damage from fire, and windstorm damage. Deductibles for physical damage are how much you are required to pay if the claim is covered. The more expense the insured is willing to pay, the less money you will pay for auto insurance for Ram pickup coverage.
  • Do you have a demanding occupation? – Occupational choices like military personnelairline pilots and financial analysts tend to have higher rates than the rest of us attributed to stressful work requirements and lots of time spent at work. On the flip side, jobs such as farmers, historians and the unemployed generally pay rates lower than average for Ram pickup coverage.
  • Mature drivers pay less – Older people are shown to be more cautious, tend to file fewer claims and receive fewer citations.Teen drivers tend to be inattentive and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher.
  • Lower rates for cars with good safety ratings – Safer cars tend to have better insurance rates. Safe vehicles reduce injuries and lower injury rates translates directly to fewer claims passed on to you as lower rates. If your Dodge Ram Pickup 3500 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Auto insurance policy discounts

Some insurance providers do not advertise every available discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden credits available to lower your premiums when you buy insurance online.

  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
  • College Student – College-age children who live away from home to go to college and do not take a car to college could get you a discount.
  • Bundled Policy Discount – If you combine your home and auto policies with the same company you may earn as much as 10 to 15 percent.
  • Theft Prevention System – Cars with anti-theft systems help deter theft and will save you 10% or more.
  • Responsible Driver Discount – Drivers without accidents could pay up to 40% less for Ram pickup coverage compared to rates paid by drivers with frequent claims.
  • Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper since new vehicles have better safety ratings.
  • Pay Early and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Low Mileage – Low annual miles may allow you to get better prices on cars that stay parked.
  • Driver Education Discount – Have your child take driver’s ed class if offered at their school.

You should keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Auto insurance companies who may offer most of these discounts possibly include:

Before buying, ask every prospective company how you can save money. Discounts may not apply to policyholders in your area. To find auto insurance companies with significant discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Do I pay less for low miles?
  • Will my rates increase for filing one claim?
  • Do I need an umbrella policy?
  • Am I covered if I wreck a rental car?
  • How many claims can I have before being cancelled?
  • If my 1996 Dodge Ram Pickup 3500 is totaled, can I afford another vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like bail bonds, structural damage, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like chiropractic care, dental work, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1996 Dodge Ram Pickup 3500.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are set the same as your liablity limits.

One last thing

Drivers switch companies for any number of reasons including denial of a claim, being labeled a high risk driver, policy cancellation or extreme rates for teen drivers. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone dropped full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

We just covered a lot of ways to get a better price on 1996 Dodge Ram Pickup 3500 insurance. The key concept to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding affordable insurance. You may even find the best price on insurance is with some of the lesser-known companies.

More detailed insurance information can be read in these articles: