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Dodge RAM 350 Insurance Rates

Finding cheaper car insurance online is simple to do and at the same time you can save money. The critical component is to compare rates from all companies in order to accurately compare all your choices.

Finding the best direct price on car insurance is challenging if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The fastest way to find the cheapest Dodge RAM 350 insurance quotes is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

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What influences the rate you pay?

Car insurance premiums on a Dodge RAM 350 will vary greatly subject to many criteria. Taken into consideration are:

  • Traffic citations increase rates
  • Your credit history
  • The size of your community
  • The number of annual miles
  • Male drivers pay higher rates
  • The deductible you choose
  • Your vehicle's safety rating
  • Your occupation
  • The amount of protection requested
  • Whether you rent or own your home

An additional factor which can affect Dodge RAM 350 insurance rates is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the cost to replace them can decrease annual premiums. But new Dodge models may have safety features including lane departure warning system, traction control, and autonomous braking so those may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage

Dodge RAM 350 liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Dodge RAM 350 can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.

How Much are Dodge RAM 350 Insurance Rates?