2003 Dodge Ram Pickup 3500 Insurance Quotes

Looking for lower insurance coverage rates for your Dodge Ram Pickup 3500? Are you regretting the purchase of overpriced insurance coverage? It’s a common feeling and there are lots of people in the same boat. Many insurers compete to insure your vehicles, so it’s not easy to compare every provider to find the lowest rate possible.

It’s a good habit to get comparison quotes periodically since prices are usually higher with each renewal. Just because you found the best quotes for Ram pickup coverage last year there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re going to learn one of the easiest ways to save on insurance coverage.

Educated choices result in lower insurance prices

Lots of factors are part of the calculation when premium rates are determined. Most are fairly basic such as traffic violations, but other factors are not as apparent like your vehicle usage or your financial responsibility.

  • Bad drivers pay high premiums – Attentive drivers get better rates than bad drivers. Only having one ticket could increase your next policy renewal substantially. Drivers who have gotten flagrant tickets such as hit and run, DWI or reckless driving convictions might be required by their state to maintain a SR-22 with their state motor vehicle department in order to legally drive.
  • Low credit history equals high rates – Credit score will be a significant factor in determining premium rates. So if your credit history is low, you may save money insuring your 2003 Dodge Ram Pickup 3500 by spending a little time repairing your credit. People with good credit tend to be less risk to insure than drivers who have poor credit scores.
  • Cheaper premiums for prior coverage – Driving without insurance is against the law and companies may charge more for letting your coverage lapse. Not only will you pay higher rates, not being able to provide proof of insurance could earn you a revoked license or a big fine. You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Remove unneeded incidental coverages – There are quite a few additional coverages that sound like a good idea at the time but may not be useful. Insurance for things like coverage for rental cars, accident forgiveness, and extra life insurance coverage may not be needed and are just wasting money. They may seem like a good idea when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.
  • Claims cost money – If you file a lot of claims you can look forward to either policy cancellation or increased premiums. Insurance companies award better rates to insureds who only file infrequent claims. Your car insurance is meant to be used in the event of larger claims.
  • Insure your auto and home with one company – The majority of insurance coverage companies will give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to help ensure you have the lowest rates. It’s possible to still find better rates by insuring with multiple companies.
  • Car insurance liability insurance limits – The liability section of your policy provides coverage if ever you are ruled to be at fault for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Quote insurance online

Most larger insurance companies like State Farm, Geico and Progressive allow consumers to get coverage prices direct online. Getting online rates is pretty painless as you simply type in your coverage information as detailed in the form. When complete, the system sends out for your driving and credit reports and generates a price based on the information you submitted. This helps simplify price comparisons, but the time it takes to visit several different sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you want to get lower prices.

A less time-consuming method to lower your rates utilizes a single form to return rates from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. After sending your information, it gets priced and you can select any one of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase the new policy. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

To compare rates now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you duplicate your coverages identical to your current policy. Using the same limits helps guarantee you will have comparison quotes for exact coverage.

Do you qualify for discounts?

Some insurance providers don’t always list all available discounts in a way that’s easy to find, so we took the time to find both the well known as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • Drivers Education – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction for Ram pickup coverage depending on your company.
  • Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Ram pickup coverage than drivers with accident claims.
  • Club Memberships – Participating in a civic or occupational organization could qualify you for a break on car insurance.
  • Home Ownership Discount – Being a homeowner can earn you a little savings because it requires personal responsibility.
  • College Student Discount – College-age children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
  • Telematics Discount – People who choose to allow companies to scrutinize driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if their driving habits are good.
  • Service Members Pay Less – Having a deployed family member could qualify you for better prices.
  • Good Student – Excelling in school may save as much as 25% on a insurance quote. This discount can apply until age 25.

Discounts lower rates, but many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

A list of companies and some of the discounts are:

  • Geico has savings for air bags, driver training, anti-lock brakes, emergency military deployment, federal employee, military active duty, and defensive driver.
  • Auto-Owners Insurance may include discounts for paid in full, air bags, company car, anti-lock brakes, student away at school, and mature driver.
  • American Family includes discounts for good student, TimeAway discount, good driver, early bird, and air bags.
  • Esurance may offer discounts for online quote, defensive driver, good driver, Pac-12 alumni, and homeowner.
  • Progressive offers discounts for online quote discount, good student, online signing, multi-policy, multi-vehicle, homeowner, and continuous coverage.
  • State Farm has discounts for safe vehicle, defensive driving training, multiple policy, anti-theft, Steer Clear safe driver discount, good driver, and Drive Safe & Save.
  • AAA offers premium reductions for good student, education and occupation, pay-in-full, AAA membership discount, good driver, and anti-theft.

Double check with each insurance company which discounts you qualify for. Some discounts listed above may not apply to policies in your state.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Are split liability limits better than a combined single limit?
  • What can I do if my company denied a claim?
  • Why am I required to buy high-risk coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What companies insure drivers after a DUI or DWI?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should deductibles be on a 2003 Dodge Ram Pickup 3500?
  • What if I don’t agree with a claim settlement offer?
  • Where can I find high-risk insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of car insurance helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, damaging your car on a curb, rolling your car and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (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 then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, hitting a bird, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses such as surgery, rehabilitation expenses, ambulance fees, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – Liability insurance protects you from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like bail bonds, court costs, structural damage and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Dodge Ram Pickup 3500.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Pennies from heaven

Some companies do not provide the ability to get a quote online and these small insurance companies only sell through independent agencies. Cheaper auto insurance is available online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture.

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. In too many instances, someone dropped physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.

More detailed auto insurance information can be found in these articles: