2008 Dodge Ram Pickup 3500 Insurance Quotes

Finding the cheapest insurance for your Dodge Ram Pickup 3500 can be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to price shop coverage on a Dodge and find the cheapest rates.

Do you qualify for discounts?

Not many people think insurance is cheap, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about before you will receive the discount. If you aren’t receiving every discount possible, you are not getting the best rate possible.

  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may get savings as much as 30%.
  • Drivers Education – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
  • Renewal Discounts – Some companies give discounts for buying a policy prior to your current policy expiring. This discount can save up to 10%.
  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you lower premium rates if you buy life insurance from them.
  • Memberships – Being a member of a professional or civic organization could trigger savings on your next renewal.
  • Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
  • Data Collection Discounts – Insureds who allow their insurance company to track their driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will bring down the cost of your policy.

Popular car insurance companies and a summarized list of policyholder discounts are shown below.

  • State Farm offers discounts including Drive Safe & Save, multiple policy, Steer Clear safe driver discount, anti-theft, passive restraint, multiple autos, and defensive driving training.
  • Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, online signing, online quote discount, good student, and homeowner.
  • Progressive includes discounts for multi-policy, good student, online signing, homeowner, and continuous coverage.
  • MetLife offers premium reductions for claim-free, accident-free, good student, multi-policy, defensive driver, and good driver.
  • Farm Bureau may include discounts for safe driver, good student, renewal discount, driver training, and youthful driver.
  • Geico offers discounts for good student, driver training, daytime running lights, emergency military deployment, military active duty, membership and employees, and multi-vehicle.
  • SAFECO discounts include anti-lock brakes, multi-car, drive less, anti-theft, teen safety rewards, and accident prevention training.

It’s a good idea to ask every insurance company which discounts you may be entitled to. All car insurance discounts might not be available to policyholders in your area. If you would like to see a list of insurers with discount car insurance rates, click this link.

How to buy insurance coverage online

Getting a cheaper price on 2008 Dodge Ram Pickup 3500 insurance is actually quite simple. Just take a few minutes to compare rate quotes provided by online insurance companies. Price comparisons can be done in several different ways.

  1. Without a doubt, the easiest way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This form prevents you from having to do separate forms for every prospective company. In just a few minutes this one form will get you price quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A slightly less efficient method to get quotes online is to take the time to go to the website for every company you want to comare and repeat the quote process again and again. For sake of this example, we’ll pretend you want comparison quotes from Geico, Esurance and Farmers. In order to compare rates, you need to spend time on each company’s site and repeatedly enter your information, which explains why we recommend starting with the first method. For a list of companies in your area, click here.
  3. The old school way to find and compare rates is to spend your day driving to insurance agencies in your area. Comparing rate quotes online reduces the need to sit down with an agent unless you have a complicated situation and need the professional advice that you can only get from talking to an agent. Some companies do allow you to compare online quotes but buy the policy through an agent.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same quote data for each price quote. If you have different liability limits it will be very difficult to make an equal comparison.

Six tips to get cheap insurance prices

Lots of things are part of the equation when premium rates are determined. Some factors are common sense such as your driving record, but others are not quite as obvious like your vehicle usage or how financially stable you are.An important part of buying insurance is that you know the different types of things that help calculate the rates you pay for insurance coverage. If you know what influences your rates, this enables you to make decisions that may result in much lower annual insurance costs.

  • Add-on coverages that may not be needed – Insurance companies have many extra coverages that may not really be needed but may not be useful. Insurance for roadside assistance, towing coverage, and extra equipment coverage may not be needed and are just wasting money. They may seem good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Why do you need liability insurance? – Liability coverage is the coverage that protects you if you are found to be at fault for physical damage or personal injury to other. Liability provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so do not skimp.
  • Lower rates for safer vehicles – Safer cars tend to have better insurance rates. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company which can result in lower premiums. If your Dodge Ram Pickup 3500 scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Pay more by driving carelessly – Just one moving violation can increase rates by twenty percent. Good drivers have lower premiums as compared to those with violations. Drivers with flagrant violations such as DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
  • Lower annual miles equals lower premium – The more miles you rack up on your Dodge every year the higher your rates will be. Most companies charge rates based on how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates than cars that get driven a lot. Having an incorrect usage rating on your Ram Pickup 3500 may be costing you. Double check that your vehicle rating is showing the correct usage, because improper ratings can cost you money.
  • Urban residents pay more – Residing in a small town can save you money when shopping for auto insurance. Residents of big cities have to deal with more road rage incidents and more time behind the wheel. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates.

Don’t assume everyone needs the same insurance coverage coverage

When buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can aid in determining whether you might need professional guidance.

  • How can I force my company to pay a claim?
  • Am I covered when driving in Canada or Mexico?
  • Is my babysitter covered when using my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • When should I drop full coverage on my 2008 Dodge Ram Pickup 3500?
  • When would I need rental car insurance?
  • How high should my medical payments coverage be?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Insurance coverage considerations

Having a good grasp of insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for 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 like vandalism, damage from getting keyed, damage from flooding, falling objects and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance – This coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses for X-ray expenses, prosthetic devices and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

At the end of the day…

Throughout this article, we presented quite a bit of information on how to shop for 2008 Dodge Ram Pickup 3500 insurance online. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive auto insurance. Consumers may even find the lowest premium rates come from an unexpected company.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability limits or collision coverage only to discover later that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, policy cancellation or high rates after DUI convictions. It doesn’t matter why you want to switch finding the right auto insurance provider can be easy and end up saving you some money.

Additional information can be found at the links below