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