2009 Dodge Ram Pickup 3500 Car Insurance Quotes – 5 Discounts for Best Rates

Trying to find the cheapest insurance rates for your Dodge Ram Pickup 3500? Are you drained from trying to scrape together enough money to insure your Dodge every month? You are in the same boat as millions of other drivers.

You have so many insurers to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to find the best rates.

Ways to get auto insurance rate quotes

When comparison shopping, there are several ways to compare prices from local auto insurance companies. The quickest method to compare rates is simply to get online rate quotes. This can be done in several different ways.

  1. Experts agree that the best way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quotes to each individual auto insurance company. One form compares rates instantly.
  2. A harder way to find lower rates requires a visit to each company’s website and request a quote. For examples sake, we’ll pretend you are doing a rate comparison from Nationwide, Allstate and State Farm. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The last method to comparison shop is to spend your day driving to insurance agencies in your area. The ability to quote online eliminates this option unless you prefer the extra assistance of a local agency. Drivers can comparison shop your insurance online and get advice from an agent in your area.

It’s your choice how you get your quotes, but make absolute certain that you use the same coverage data on every quote. If you have differing limits you can’t possibly get a fair rate comparison. Slightly different coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes helps you find better pricing. Some smaller insurers to not give online quotes, so it’s important to also get price estimates on coverage from those companies, too.

Is there deception in advertising?

Respected companies like Allstate and Progressive continually stream ads on television and other media. All the ads make the same claim that you’ll save big if you change your coverage to them. It sounds good, but how can they all lower your premium rates? Here is how they do it.

Insurance providers look for specific characteristics for the type of driver that will generate a profit. For example, a profitable risk profile might be described as over the age of 50, owns a home, and drives a safe vehicle. A customer getting a price quote that hits that “sweet spot” receive the lowest rate quotes and as a result will probably save when switching.

Drivers who fall short of those standards must pay higher premium rates and ends up with the prospect going elsewhere. The ads say “people who switch” not “everyone who quotes” save that much money. That’s why companies can truthfully state the savings. This really emphasizes why you need to do a quote comparison often. It is impossible to predict which auto insurance company will have the lowest rates for your situation.

Verify you’re receiving every discount

Companies that sell car insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and the more hidden discounts that you may qualify for.

  • Club Memberships – Belonging to qualifying employment or professional organizations could trigger savings on your bill.
  • One Accident Forgiven – This isn’t a discount exactly, but some companies like Geico, State Farm, and Progressive will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free before the accident.
  • Telematics Discount – Insureds that choose to allow companies to scrutinize vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
  • Save with More Vehicles Insured – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Low Mileage – Keeping the miles down on your Dodge could be rewarded with cheaper insurancerates.

Just know that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic. But all discounts will cut the premium cost.

If you would like to view insurers that offer discounts, click this link.

When should I discuss my situation with an agent?

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • Should I buy additional glass protection?
  • Should I get collision insurance on every vehicle?
  • If my pet gets injured in an accident are they covered?
  • Do I need replacement cost coverage on my 2009 Dodge Ram Pickup 3500?
  • I have a DUI can I still get coverage?
  • Is my 2009 Dodge Ram Pickup 3500 covered for smoke damage?
  • Does my insurance cover my expensive audio equipment?
  • How much can I save by bundling my policies?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as pain medications, funeral costs, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, damage from a tornado or hurricane, hitting a bird and hail damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages – This provides protection from injuries or damage you cause to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as loss of income, repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverages – Collision insurance will pay to fix damage to your Ram Pickup 3500 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, hitting a parking meter, sideswiping another vehicle, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

In any little way, save everyday

The cheapest 2009 Dodge Ram Pickup 3500 insurance can be bought on the web and from local insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies may not offer price quotes online and many times these smaller companies work with independent agencies.

When searching for cheaper car insurance quotes, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an insured cut physical damage coverage only to find out they didn’t have enough coverage. Your focus should be to find the BEST coverage at the lowest possible cost.

You just read a lot of information how to shop for 2009 Dodge Ram Pickup 3500 insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

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