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Dodge Ram Pickup 3500 Insurance Rates

You have lots of choices when insurance shopping for your Dodge vehicle. You can either buy through a local agent or shop online to compare pricing from lots of different providers. Shopping for car insurance through online providers is easy and at the same time you might just save a little.

Consumers not familiar with comparison shopping may think purchasing cut-rate Ram Pickup 3500 insurance is hard and time consuming. When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. The easiest way to find the lowest Ram Pickup 3500 insurance cost consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors impact your insurance rates?

Auto insurance rates for your Dodge Ram Pickup 3500 can vary widely based upon several criteria. Taken into consideration are:

  • The performance level of your Ram Pickup 3500
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Mature drivers pay less
  • Being married can lower rates
  • Special coverage such as replacement cost
  • What you do for a living
  • Insurance coverage level
  • Whether you rent or own your home

A final factor that will help determine Ram Pickup 3500 insurance rates is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the payout to repair will push premiums down. Although new Dodge models may have a trim level with safety features included like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which can provide discounts that lower premiums.

To get a better understanding how much rates will be for your vehicle, select the year of your Ram Pickup 3500 from available model years below.

Liability auto insurance - Liability insurance provides protection from damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision - Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper Ram Pickup 3500 insurance rates.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Dodge Ram Pickup 3500 comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - This gives you protection from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not universally available but can be used in place of medical payments coverage.

How Much are Dodge Ram Pickup 3500 Insurance Rates?