Compare 2001 Dodge Ram Pickup 3500 Car Insurance Quotes

Want the cheapest car insurance rates for your Dodge Ram Pickup 3500? Trying to find cheaper Driverscar insurance can be nearly impossible for drivers not familiar with buying insurance online. With more and more companies, it can easily become a challenge to find more affordable car insurance rates.

It’s important to compare rates before your policy renews because rates trend upward over time. Even if you think you had the lowest rate for Ram pickup coverage last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to show you the easiest way to save money, get proper coverage and the best rates.

Insurance coverage quotes and discounts

Insurance coverage can be pricey, but you can get discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but less common discounts must be specifically requested in order for you to get them.

  • Drive Safe and Save – Insureds without accidents could pay up to 40% less for Ram pickup coverage than drivers with accidents.
  • No Claims – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Professional Organizations – Participating in qualifying clubs or civic groups could earn you a nice discount on your next renewal.
  • Early Signing – Some larger companies reward drivers for switching companies prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • Own a Home and Save – Owning a home can help you save on insurance coverage because maintaining a house shows financial diligence.
  • Anti-theft System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars with one company can get a discount for every vehicle.
  • Payment Method – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.

Don’t be shocked that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you could get a free insurance coverage policy, companies don’t profit that way.

The best insurance coverage companies and a selection of discounts are included below.

  • Geico offers discounts including emergency military deployment, multi-vehicle, membership and employees, anti-lock brakes, multi-policy, air bags, and good student.
  • SAFECO may have discounts that include accident prevention training, multi-car, teen safe driver, drive less, and bundle discounts.
  • State Farm discounts include Drive Safe & Save, multiple policy, defensive driving training, accident-free, and multiple autos.
  • MetLife may offer discounts for multi-policy, defensive driver, accident-free, claim-free, good student, and good driver.
  • 21st Century has savings for 55 and older, air bags, good student, student driver, and theft prevention.
  • Progressive offers discounts for good student, homeowner, multi-vehicle, online quote discount, online signing, multi-policy, and continuous coverage.

Before buying, ask every prospective company which discounts you qualify for. Discounts might not apply in your area. To choose insurers that provide some of the discounts listed above, click this link.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might point out if your situation may require specific advice.

  • Are split liability limits better than a combined single limit?
  • Is my camper covered by my car insurance policy?
  • Should I drop comprehensive coverage on older vehicles?
  • If I drive on a suspended license am I covered?
  • Am I covered if I wreck a rental car?
  • Do I benefit by insuring my home with the same company?
  • Is rental equipment covered for theft or damage?
  • What companies insure drivers after a DUI or DWI?
  • Why do I only qualify for high-risk insurance?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Can you really save that much by switching?

Well-known car insurance companies like State Farm, Allstate and Geico consistently run ads in print and on television. They all make the same claim of big savings if you change your policy. It sounds good, but how can they all sell you cheaper insurance coverage? Here is how they do it.

Insurance companies quote their cheapest rates for the type of driver that makes them money. One example of this type of driver might be described as over the age of 40, has never had a claim, and drives newer vehicles. Any customer that fits those parameters will most likely get cheap auto insurance rates and will probably save when switching.

People who fall outside the requirements will probably be forced to pay a more expensive rate and this can result in the prospect going elsewhere. The trick is to say “people who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can make it sound like they have such great auto insurance rates. That is why you should compare price quotes frequently. Because you never know with any certainty which company will have the lowest rates.

Car insurance coverage basics

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like dental work, chiropractic care, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive car insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, hail damage, damage from flooding, hitting a bird and falling objects. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2001 Dodge Ram Pickup 3500.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage – This coverage pays for damage to your Ram Pickup 3500 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, sideswiping another vehicle, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability coverage – This protects you from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t 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. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as court costs, loss of income, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Never pay more for less

We just showed you many ways to lower your 2001 Dodge Ram Pickup 3500 insurance premium rates. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best premium rates are with a small mutual company.

Lower-priced insurance coverage can be found on the web in addition to local insurance agencies, so you need to shop insurance coverage with both to have the best chance of lowering rates. Some insurance coverage companies may not provide rate quotes online and usually these smaller providers provide coverage only through independent insurance agencies.

Insureds switch companies for any number of reasons including unfair underwriting practices, questionable increases in premium, being labeled a high risk driver or even high rates after DUI convictions. Regardless of your reason, switching companies is not as difficult as it may seem.

To learn more, take a look at the articles below: