Cheaper 2002 Dodge Ram Pickup 3500 Insurance Quotes

Drivers have many options when trying to find the lowest priced Dodge Ram Pickup 3500 insurance. They can either spend hours driving around to compare prices or utilize the internet to get rate quotes. There is a right way and a wrong way to buy insurance and you need to know the absolute fastest way to price shop coverage for a Dodge and obtain the lowest price.

Why your insurance prices might be higher

Part of the insurance coverage buying process is learning some of the elements that come into play when calculating the level of your policy premiums. If you understand what determines premiums, this enables you to make decisions that may result in better insurance coverage rates.

The items below are some of the most common factors utilized by car insurance companies to help set your rates.

  • Companies want multiple policies – Some companies provide discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, drivers will still want to shop around to verify if the discount is saving money.
  • Deter vehicle theft – Selecting a car model that has an advanced theft prevention system can help bring down rates. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your vehicle from being stolen.
  • Annual mileage and car insurance prices – The more you drive every year the higher your rates will be. Almost all companies charge rates based upon how the vehicle is primarily used. Vehicles that are left in the garage can be on a lower rate level than those used for commuting. Verify your vehicle rating properly reflects the right rating data, because it can save money. Incorrect rating for your Ram Pickup 3500 may be wasting your money.
  • Less chance of injury means lower insurance coverage rates – Vehicles with high crash test scores can get you lower premiums. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If the Dodge Ram Pickup 3500 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Incidental coverages are wasting money – There are quite a few extra bells and whistles that sound like a good idea at the time if you aren’t careful. Things like roadside assistance, towing coverage, and term life insurance may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but if you have no use for them remove them from your policy.
  • Avoid traffic tickets – A bad driving record has a lot to do with how much you pay for insurance. Having a single chargable violation can increase rates forty percent or more. Drivers with clean records get better prices as compared to careless drivers. Drivers who have gotten severe violations such as hit and run, DWI or reckless driving convictions may need to complete a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
  • Never go without insurance coverage – Driving with no insurance is against the law and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will you pay higher rates, not being able to provide proof of insurance may earn you a revoked license or a big fine. Then you may be required to file a SR-22 with your state motor vehicle department.

How to get auto insurance rate quotes

Cutting your auto insurance rates is not rocket science. Consumers just need to spend a few minutes on the computer getting comparison quotes online with multiple companies. Comparing prices online can be done in several different ways.

  1. One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing repetitive form submissions to each individual auto insurance company. One form submission will get you rate comparisons from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A different way to compare prices requires a visit to the website for each individual company and complete a new quote form. For examples sake, we’ll pretend you want rates from Auto-Owners, Allstate and Progressive. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, and that explains why we recommend the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. Even if you have time, the least recommended method of getting rate comparisons is to waste gas driving to insurance agencies in your area. The internet has made agencies unnecessary unless you want the professional guidance that can only be provided by a licensed insurance agent. Drivers can price shop online but have your policy serviced through an agent.

It’s up to you which method you use, but try to keep apples-to-apples quote data with each company. If each company quotes unequal deductibles or liability limits it will be very difficult to determine which company has the best rates.

Lower rate quotes with these discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts to help offset the cost. Certain reductions will be credited at the time of purchase, but once in a while a discount must be inquired about before you will receive the discount. If they aren’t giving you every credit available, you are just wasting money.

  • Telematics Data – Insureds who allow their insurance company to analyze driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
  • Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
  • Safety Restraint Discount – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Multi-policy Discount – If you have multiple policies with one company you could save up to 20% off your total premium.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So despite the fact that it appears you could get a free insurance coverage policy, it doesn’t quite work that way.

A few popular companies and their offered discounts are shown below.

  • Progressive policyholders can earn discounts including online signing, good student, online quote discount, homeowner, and multi-vehicle.
  • Farmers Insurance may have discounts that include good student, teen driver, pay in full, multi-car, and early shopping.
  • Farm Bureau includes discounts for 55 and retired, good student, youthful driver, multi-vehicle, driver training, and safe driver.
  • State Farm may offer discounts for passive restraint, accident-free, anti-theft, good student, and multiple autos.
  • Geico offers discounts for multi-vehicle, good student, seat belt use, anti-lock brakes, air bags, military active duty, and daytime running lights.
  • SAFECO offers discounts including anti-lock brakes, anti-theft, safe driver, teen safety rewards, and bundle discounts.
  • Liberty Mutual offers premium reductions for newly retired, multi-policy, multi-car, new graduate, new vehicle discount, and good student.

Before you buy a policy, ask all the companies which discounts can lower your rates. Some discounts might not apply in your state. For a list of insurance coverage companies who offer discounts, follow this link.

Car insurance can be complex

When it comes to choosing adequate coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • Should I sign the liability waiver when renting a car?
  • If my pet gets injured in an accident are they covered?
  • I don’t drive much so do I pay less?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need added coverage for expensive stereo equipment?
  • Can I make deliveries for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is business property covered if stolen from my car?
  • Who is covered when they drive my 2002 Dodge Ram Pickup 3500?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Car insurance coverages and their meanings

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Dodge Ram Pickup 3500.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto liability

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

It consists of three 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 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like bail bonds, medical services, loss of income and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like funeral costs, rehabilitation expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive car insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, fire damage and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage will pay to fix damage to your Ram Pickup 3500 from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

In any little way, save everyday

Discount 2002 Dodge Ram Pickup 3500 insurance is available on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get quotes online and usually these smaller providers sell through independent insurance agents.

As you quote insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage only to regret 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 cost, but don’t skip important coverages to save money.

People change insurance companies for many reasons like high rates after DUI convictions, policy non-renewal, poor customer service and even not issuing a premium refund. Regardless of your reason for switching companies, switching insurance coverage companies is not as hard as you think.

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