Save on 1996 Dodge Ram Pickup 3500 Insurance Rates

Cutting costs on insurance coverage is difficult for beginners to shopping for insurance online. Drivers have so many companies to choose from that it can easily become a real hassle to find lower rates.

It’s important to take a look at other company’s rates before your policy renews because rates are adjusted regularly by insurance companies. If you had the best deal for Ram pickup insurance a couple years back you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn one of the easiest ways to lower your rates without sacrificing coverage.

If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. The purpose of this article is to help you learn how to get online quotes and some tips to save money. But vehicle owners must understand the methods companies use to price online insurance and apply this information to your search.

Factors influencing Dodge Ram Pickup 3500 insurance rates

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. Having a good understanding of what determines base rates enables informed choices that can help you get much lower annual insurance costs.

Listed below are some of the items auto insurance companies consider when setting your rates.

  • Don’t skimp on liability – Liability coverage provides coverage when you are found liable for damages from an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a quick way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance will get you a license revocation or jail time.You may then be required to file a SR-22 with your state DMV.
  • Multiple policies with one company can save – Many auto insurance companies will give a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, you still need to shop around to make sure you are getting the best deal. You may still find better rates by splitting coverages up.
  • Credit scores impact auto insurance rates – Having a bad credit history is a important factor in calculating your auto insurance rates. If your credit rating is not that good, you could be paying less to insure your 1996 Dodge Ram Pickup 3500 by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Your location affects your rates – Choosing to live in a rural area is a positive aspect when insuring your vehicles. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Higher commute times means higher likelihood of an accident.

More discounts equal less premium

Auto insurance companies don’t always list all their discounts very clearly, so we took the time to find both well-publicized as well as the least known discounts you could be receiving.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Life Insurance Discount – Some companies give a break if you buy life insurance from them.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
  • Save over 55 – Older drivers may be able to get a small decrease in premiums for Ram pickup insurance.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

Insurance companies that may offer these benefits include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts might not be offered in your state.

It’s not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Am I covered if I hit a deer?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I afford to pay high deductible claims out of pocket?
  • What is covered by UM/UIM coverage?
  • Should I put collision coverage on all my vehicles?
  • Is my camper covered by my car insurance policy?
  • Am I covered by my spouse’s policy after a separation?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance – Liability coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like funeral expenses, repair costs for stationary objects, emergency aid and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive coverages – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, a broken windshield and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for things like funeral costs, rehabilitation expenses, hospital visits, dental work and EMT expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 3500.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

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

Collision coverage protects against claims like crashing into a building, crashing into a ditch, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

What is YOUR best insurance company?

When you buy insurance online, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best price.

In this article, we presented many ways to reduce 1996 Dodge Ram Pickup 3500 insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from the least-expected company.

Drivers switch companies for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, lack of trust in their agent or even poor customer service. It doesn’t matter why you want to switch choosing a new company is less work than it seems.

Much more information about insurance is located below: