Compare 1999 Dodge Ram Pickup 3500 Insurance Quotes

Paying cheap coverage rates for Driversinsurance coverage is a challenge for beginners to online price comparisons. With such a large choice of companies, it can easily be a burden to find a cheaper company.

Quote insurance online

The are a couple different ways of comparing price quotes from many different insurance companies. One of the best ways to comparison shop is simply to get online rate quotes. This is quite simple and can be completed in a couple minutes as outlined below.

  • The most recommended method consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quotation requests for every prospective company. A single, simple form gets you price quotes instantly. This is by far the quickest method.
  • A more difficult way to shop for insurance online requires a trip to each company website and request a quote. For examples sake, let’s say you need rates from Geico, State Farm and Travelers. You would have to go to every website and type in your information over and over, which is why the first method is more popular.

    To view a list of companies in your area, click here.

How you compare quotes is your choice, just make sure you compare apples-to-apples coverage limits and deductibles for each price quote. If you enter different deductibles you will not be able to determine which company has the best rates. Even a minor difference in coverages can result in a big premium difference. And when comparing insurance rates, know that comparing more company’s prices will improve the odds of getting a lower rate. Not every company allows you to get prices over the internet, so you should also compare quotes on coverage from those companies, too.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether you might need professional guidance.

  • I don’t drive much so do I pay less?
  • What companies insure drivers after a DUI or DWI?
  • When would I need additional glass coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • How can I get high-risk coverage after a DUI?
  • When would I need rental car insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.

Specific coverages for a Dodge Ram Pickup 3500

Having a good grasp of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for liability

This provides protection from damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like medical expenses, court costs and medical services. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your Ram Pickup 3500 from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as rehabilitation expenses, funeral costs, nursing services and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Pickup 3500.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.