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Dodge RAM 350 Insurance Cost

Shopping for car insurance by getting online quotes saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is getting rates from all providers in order to have all possible prices.

Comparing car insurance rates direct online can be a challenge if you are a beginner to quoting online. But relax because it's actually quite easy. There are several ways to get quotes from different insurance companies. The easiest way by far to compare Dodge RAM 350 insurance rates consists of shopping online. This can be accomplished by comparing rates here.

Car insurance premiums paid to insure a Dodge RAM 350 can be significantly different and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Better credit means lower rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Safety rating of your RAM 350
  • Your occupation
  • The level of coverage
  • Whether you own your home

An additional factor that will help determine Dodge RAM 350 insurance cost is the year of the vehicle. Older cars and trucks cost less than newer models so the costs to repair may end up costing you less. Conversely, more recent Dodge vehicles may have safety features such as traction control, adaptive headlights, and automatic crash notification that may help lower rates.

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

Liability

This will cover damage that occurs to a person or their property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as large an amount as possible.

Collision protection

Collision coverage will pay to fix damage to your Dodge from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Dodge RAM 350 Insurance Rates?