View 2003 Dodge Ram Pickup 3500 Car Insurance Rates

Looking for better insurance rates for your Dodge Ram Pickup 3500? Shopping for cheap insurance on the internet can seem to be rather challenging for consumers not familiar with comparison shopping online. Since there are so many insurers available, how can anyone have a chance to compare the different rates to find the lowest rates?

It’s a good habit to get comparison quotes before your policy renews since rates trend upward over time. Even if you got the lowest price on Ram pickup coverage a few years ago there is a good chance you can find better rates now. Don’t believe everything you read about insurance on the internet, so with this article, you’re going to get some solid techniques on how to buy insurance cheaper.

Finding the best rates is not that difficult. If you are paying for car insurance now, you will be able to save some money using these tips. Although drivers can benefit by having an understanding of how big insurance companies market on the web because it can help you find the best coverage.

Are you getting all your discounts?

Companies offering auto insurance don’t always advertise all available discounts very well, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using.

  • Resident Student – Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • No Claims – Drivers who don’t have accidents can save substantially compared to frequent claim filers.
  • No Charge for an Accident – A few companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Ram pickup coverage than drivers with accident claims.
  • Bundle and Save – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.

It’s important to understand that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurance companies with the best car insurance discounts, follow this link.

Factors influencing Dodge Ram Pickup 3500 insurance rates

It’s important that you understand the factors that play a part in calculating your insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are a few of the “ingredients” companies use to determine premiums.

  • Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If the Dodge Ram Pickup 3500 scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Multi-policy discounts can save money – The majority of insurance companies give discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
  • Where you reside plays a part – Choosing to live in small towns and rural areas has it’s advantages when it comes to insurance. Drivers in populated areas regularly have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • Your spouse saves you money – Having a spouse can actually save you money on your insurance policy. Having a spouse usually means you are more mature and it’s statistically proven that married couples file fewer claims.
  • Older drivers pay less – More mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers are statistically proven to be more careless when driving and because of this, their insurance rates are much higher.

When might I need an agent?

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might point out if your situation might need professional guidance.

  • What can I do if my company won’t pay a claim?
  • Can I get a multi-policy discount?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I required to buy liability insurance?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Can you really save that much by switching?

Insurance companies such as 21st Century, Allstate and State Farm continually stream ads in print and on television. They all seem to make an identical promise that you can save after switching your policy. How do they all say the same thing?

All the different companies can use profiling for the type of driver they prefer to insure. An example of a desirable insured might be profiled as over the age of 50, has no tickets, and drives newer vehicles. Any driver that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential customers who do not match this ideal profile must pay higher prices and this can result in business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save money. This is how companies can truthfully make those claims. This illustrates why drivers should get as many quotes as possible. Because you never know which company will fit your personal profile best.

Car insurance coverage information

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2003 Dodge Ram Pickup 3500.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages – This coverage provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like emergency aid, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, pain medications and ambulance fees. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance covers damage to your Ram Pickup 3500 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, driving through your garage door, colliding with another moving vehicle, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and falling objects. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a money saver!

Consumers change insurance companies for any number of reasons including delays in responding to claim requests, lack of trust in their agent, unfair underwriting practices and even not issuing a premium refund. It doesn’t matter what your reason, switching companies is easier than you think.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are many occasions where an accident victim reduced full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at an affordable rate, not the least amount of coverage.

You just read a lot of tips how to save on 2003 Dodge Ram Pickup 3500 insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best prices are with the least-expected company.

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