Dodge RAM 350 Insurance Rates

Finding cheaper auto insurance from online rate quotes is easy and at the same time you will probably save money. The key is to take the time to get rates from all companies so you can compare every option.

Consumers who are new to the process of comparison shopping may think purchasing low-cost Dodge RAM 350 insurance is more work than they want to put in. Finding a lower price on Dodge RAM 350 insurance doesn't have to be difficult. You just have to take a little time comparing rates from different insurance companies. It is quite easy and can be accomplished by visiting this page.

What factors impact your insurance rates?

Insurance rates on a Dodge RAM 350 can vary widely based upon several criteria. Taken into consideration are:

Your driving record
Credit rating
The size of your community
The number of annual miles
Your gender can raise or lower rates
Higher deductibles save money
Your vehicle's safety rating
No claims lowers premiums
No coverage lapses saves money
Whether you rent or own your home

One last important factor which can affect the rate you pay on your Dodge is the year of manufacture. A newer vehicle have a higher actual cash value so repair costs are higher which can inflate annual premiums. Conversely, newer models may have options such as adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system which can provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage

This pays for damage to your Dodge resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Dodge RAM 350 can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not available in all states but can be used in place of medical payments coverage.

How Much are Dodge RAM 350 Insurance Rates?