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Dodge Ram Pickup 3500 Insurance Rates

Shopping for auto insurance through online companies saves time, is easy to do, in addition you may find lower rates. The key to finding lower rates is to get rates from all providers in order to have the best prices.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online quoting. But relax because we're going to show you how. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a Dodge Ram Pickup 3500 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older Dodge models so the costs to repair may result in higher rates. Although more recent Dodge vehicles have more advanced features included like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Coverage for liability - This will cover injuries or damage you cause to a person or their property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as high a limit as you can afford.

Collision coverages - Collision coverage will pay to fix damage to your Dodge from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper Ram Pickup 3500 insurance rates.

Comprehensive coverage (or Other than Collision) - This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The most a auto insurance company will pay at claim time 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 and underinsured coverage - This coverage protects you and your vehicle's occupants from other motorists 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 limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for bills like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Dodge Ram Pickup 3500 Insurance Rates?