Cheap 1997 Dodge Ram Pickup 3500 Car Insurance Quotes

Looking for better insurance coverage rates for your Dodge Ram Pickup 3500? Having to pay for overpriced insurance coverage can take a big chunk out of your bank account and put the squeeze on your family’s finances. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

With so many options when it comes to insurance coverage, it is very difficult to find the best car insurance company.

It is always a good idea to do rate comparisons occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best deal for Ram pickup insurance six months ago there is a good chance you can find better rates now. There is a lot of wrong information about insurance coverage on the web, but I’m going to show you some guaranteed methods to reduce your insurance coverage bill.

Dodge Ram Pickup 3500 insurance rates can be determined by these details

Consumers need to have an understanding of some of the elements that come into play when calculating your car insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to better car insurance rates.

  • Your car’s features help determine rates – Owning a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Allowing your policy to lapse raises rates – Not having insurance is illegal and your next policy will cost more because you let your insurance expire. Not only will rates go up, but not being able to provide proof of insurance can result in a license revocation or jail time.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • How credit affects car insurance rates – A driver’s credit rating is a important factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than drivers with lower ratings. If your credit can use some improvement, you could save money insuring your 1997 Dodge Ram Pickup 3500 by improving your rating.
  • The more you drive the more you pay – The more you drive in a year’s time the higher your rate. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. Double check that your car insurance policy shows the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Ram Pickup 3500 can result in significantly higher rates.
  • Where you live – Residing in less populated areas can be a good thing when talking about car insurance. Fewer drivers means a lower chance of having an accident. City drivers have much more traffic to deal with and longer commute times. More time commuting can result in more accidents.
  • Add-on coverages can add up – There are many extra coverages that you can get tricked into buying on your Ram Pickup 3500 policy. Insurance for rental car reimbursement, accidental death and membership fees may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Do you work long hours in a high stress job? – Occupations such as lawyers, executives and accountants have higher rates than average because of high stress levels and long work days. On the flip side, professions such as scientists, athletes and retirees get better rates for Ram pickup insurance.
  • Older drivers pay less – Teen drivers are statistically proven to be careless and easily distracted when driving so car insurance rates are higher. Parents adding a teenage driver to your policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.

Take discounts and save

Auto insurance companies don’t always publicize every discount very well, so we break down both the well known and the harder-to-find savings tricks you should be using.

  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Defensive Driver – Completing a driver safety course could save 5% or more if your company offers it.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Auto/Home Discount – When you have multiple policies with the same company you may save at least 10% off all policies.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Homeowners Discount – Owning a house can save you money because owning a home shows financial diligence.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for car insurance for Ram pickup insurance.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies who might offer these money-saving discounts include:

Double check with each insurance company what discounts are available to you. Savings may not apply in your area.

Are you falling for claims of savings?

Insurance companies such as Geico, State Farm and Progressive consistently run ads in print and on television. They all seem to make an identical promise that you’ll save big if you change to their company. How can each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured could be over the age of 50, a clean driving record, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” receives the best rates and most likely will save a lot of money.

Potential insureds who are not a match for the requirements will be quoted more money which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can make the claims of big savings. This emphasizes why it’s extremely important to compare many company’s rates. It’s not possible to predict the company that will give you the biggest savings on Dodge Ram Pickup 3500 insurance.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • Do I pay less if my vehicle is kept in my garage?
  • Why am I required to get a high-risk car insurance policy?
  • When does my teenage driver need to be added to my policy?
  • What discounts do I qualify for?
  • Do I need an umbrella policy?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, a tree branch falling on your vehicle and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Ram Pickup 3500 from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, hitting a parking meter, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as medical services, legal defense fees, court costs and medical expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1997 Dodge Ram Pickup 3500.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like EMT expenses, ambulance fees, dental work and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Saving money is sweet as honey

Throughout this article, we presented some good ideas how you can save on 1997 Dodge Ram Pickup 3500 insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

Lower-priced insurance is attainable both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone dropped physical damage coverage and learned later that it was a big error on their part. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Additional insurance coverage information is located below: