Lower Your 1997 Dodge Ram Pickup 3500 Insurance Rates

Getting lower-cost auto insurance may be rather challenging for drivers that are relatively new to comparing prices on the internet. With more and more insurers to choose from, how can drivers efficiently compare every auto insurance company to find the best pricing?

Consumers need to compare rates as often as possible because insurance prices tend to go up over time. Just because you found the best deal on Ram pickup insurance at your last renewal other companies may now be cheaper. There is a lot of wrong information about auto insurance online, but we’re going to give you some proven techniques to quit paying high auto insurance rates.

Compare free auto insurance quotes

There are a lot of ways to compare auto insurance quotes, but one way is more efficient than others. You could waste time driving to agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Many popular insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and every company returns a rated price determined by their information. This eliminates the need for quote forms to each individual auto insurance company.

To compare pricing click here to start a free quote.

The one disadvantage to getting quotes like this is you can’t choose which companies you want pricing from. So if you want to select specific insurance companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but compare exactly the same coverages and limits on every quote you get. If the quotes have different coverage information you will not be able to truly determine the lowest rate. Having just a slight variation in insurance coverages could mean much higher rates. And when comparison shopping, having more price comparisons will increase your chances of finding more affordable rates.

Do you qualify for discounts?

Some companies do not list their entire list of discounts very clearly, so the following list contains both the well known as well as some of the hidden credits that may apply to you.

Braking Control Discount – Cars and trucks with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
Homeowners Savings – Just being a homeowner can help you save on insurance coverage since owning and maintaining a home means you have a higher level of financial diligence.
Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
Club Memberships – Affiliation with a civic or occupational organization could earn you a nice discount on your next renewal.
Discount for Swiching Early – Some insurance coverage companies give discounts for buying a new policy before your current policy expires. This discount can save up to 10%.
Sign Online – A few larger companies will provide an incentive for completing your application over the internet.

Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, it just doesn’t work that way.

Large insurance coverage companies and some of the premium reductions they offer are included below.

Progressive offers discounts including continuous coverage, online signing, online quote discount, multi-vehicle, and multi-policy.
Geico has discounts for seat belt use, federal employee, multi-vehicle, defensive driver, emergency military deployment, and anti-lock brakes.
State Farm policyholders can earn discounts including driver’s education, Drive Safe & Save, accident-free, multiple autos, defensive driving training, and Steer Clear safe driver discount.
Esurance includes discounts for anti-theft, good student, claim free, Pac-12 alumni, emergency road assistance, and online quote.
The Hartford has savings for air bag, good student, bundle, vehicle fuel type, anti-theft, and driver training.

If you need affordable insurance quotes, ask all the companies how many discounts you can get. Some discounts may not be offered in your area. If you would like to see a list of insurance companies with significant discounts, click this link.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

What discounts do I qualify for?
When can my company non-renew my policy?
Why does it cost so much to insure a teen driver?
Am I covered when driving a rental car?
Do I need medical payments coverage since I have good health insurance?
Is pleasure use cheaper than using my 1997 Dodge Ram Pickup 3500 to commute?
What is covered by UM/UIM coverage?
Does coverage extend to my business vehicle?
Where can I find high-risk insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverages and their meanings

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like ambulance fees, funeral costs, doctor visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, falling objects, a broken windshield and hail damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 3500.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Auto liability

This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as attorney fees, court costs, bail bonds and medical services. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.