1998 Dodge Ram Pickup 3500 Car Insurance Quotes – 9 Tips for Best Rates

Searching for better insurance coverage rates for your Dodge Ram Pickup 3500? Purchasing budget-priced insurance coverage online can be difficult for vehicle owners not familiar with comparing rates over the internet. When there are so many insurers available, how are vehicle owners expected to have the ability to compare every insurance coverage company to find the lowest price?

It is always a good idea to shop coverage around as often as possible because prices tend to go up over time. If you had the lowest rate for Ram pickup insurance two years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the only way to lower your rates without sacrificing coverage.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. The purpose of this article is to help educate you on how to effectively get price quotes and some tricks to saving. But car owners do need to understand the way companies market on the web.

Don’t miss these nine money-saving discounts

Some insurance providers don’t list all their discounts very clearly, so the following list contains some of the more common as well as the least known ways to save on car insurance.

  • Buy New and Save – Buying insurance on a new vehicle can get you a discount since newer models have better safety ratings.
  • Military Discounts – Being deployed in the military may lower your rates slightly.
  • Drive Less and Save – Driving fewer miles may allow you to get slightly better car insurancerates than normal.
  • Professional Organizations – Being in a civic or occupational organization could qualify you for a break when shopping for car insurance.
  • Theft Deterent – Cars that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Multi-car Discount – Purchasing coverage when you have several vehicles with one company can reduce rates for all insured vehicles.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Telematics Data Discounts – People who choose to allow companies to look at driving patterns through the use of a telematics system like Allstate’s Drivewise could save a few bucks if they have good driving habits.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.

Discounts lower rates, but most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

To see a list of insurers that have a full spectrum of discounts, click here.

Do I need special coverages?

When choosing adequate coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if you could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • How can I get high-risk coverage after a DUI?
  • If my 1998 Dodge Ram Pickup 3500 is totaled, can I afford another vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • What can I do if my company won’t pay a claim?
  • Does medical payments coverage apply to all occupants?

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

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, ambulance fees, nursing services and prosthetic devices. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage

This will pay to fix damage to your Ram Pickup 3500 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle, hitting a mailbox and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, hail damage, fire damage and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like court costs, repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Dodge Ram Pickup 3500.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Spend less. Save more.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, poor customer service and even policy non-renewal. Regardless of your reason, switching insurance companies can be pretty painless.

Some insurance providers do not provide rate quotes online and usually these small, regional companies only sell coverage through independent agents. The cheapest 1998 Dodge Ram Pickup 3500 insurance can be bought both online as well as from insurance agents, so you should compare both to have the best selection.

We’ve covered many ideas to get a better price on 1998 Dodge Ram Pickup 3500 insurance. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with a small mutual company.

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