Compare 2002 Dodge Ram Pickup 3500 Insurance Quotes

Buying the most affordable insurance coverage over the internet is somewhat difficult for people who are new to comparison shopping online. Because there are so many choices, how can drivers effectively compare every company to locate the lowest rates?

Locating the best auto insurance is quite easy. In a nutshell, everyone who has to buy auto insurance stands a good chance to be able to find better rates. Although consumers must learn how the larger insurance companies price online insurance.

The fastest way that we advise to get rate comparisons is to take advantage of the fact all the major auto insurance companies provide online access to provide you with free rate quotes. All you need to do is provide a small amount of information such as whether you have decent credit, if you lease or own, if you have an active license, and how much school you completed. Your rating data is instantly submitted to multiple companies and you will get price comparisons very quickly.

Do I need special coverages?

When choosing the best insurance coverage coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Do I have coverage when making deliveries for my home business?
  • Should I rate my 2002 Dodge Ram Pickup 3500 as pleasure use or commute?
  • Why does it cost so much to insure a teen driver?
  • When can my company non-renew my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people. It does not 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. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This pays for damage to your Ram Pickup 3500 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like dental work, EMT expenses, hospital visits, ambulance fees and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible