View 1998 Dodge Ram Pickup 3500 Insurance Quotes

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me when I say there are many consumers feeling the pinch from expensive insurance coverage. Many insurers vie for your insurance dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

Consumers should take time to check insurance coverage prices before your policy renews since insurance rates are rarely the same from one policy term to another. Just because you had the best rates on Ram pickup insurance a couple years back there is a good chance you can find better rates now. There is a lot of bad information regarding insurance coverage on the internet, so we’re going to give you some of the best ways to save money.

Parts of the Dodge Ram Pickup 3500 rate equation

It’s important that you understand the different types of things that help determine insurance rates. When you know what positively or negatively influences your rates enables informed choices that can help you get lower insurance prices.

The following are some of the items insurance companies consider when setting your rates.

  • Adjust deductibles and save – Your deductibles represent how much money you are willing to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, collision with an animal, and rolling your vehicle. The more you are required to pay out-of-pocket, the bigger discount you will receive on Ram pickup insurance.
  • High credit ratings translate to low rates – Having a bad credit history is a important factor in your rate calculation. So if your credit is not that good, you could save money insuring your 1998 Dodge Ram Pickup 3500 by 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.
  • Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and fewer injuries means less money paid by your insurance company and thus lower rates. If the Dodge Ram Pickup 3500 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Rates may be higher depending on your occupation – Jobs such as doctors, business owners and dentists tend to pay the highest average rates attributed to high stress levels and lengthy work days. Other jobs such as pilots, historians and the unemployed have the lowest average rates on Ram pickup insurance.
  • Multi-policy discounts can save money – Most insurance companies will award you with lower prices to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to confirm you are receiving the best rates possible.
  • Teen drivers pay high rates – Teen drivers have a tendency to be less responsible when driving so they pay higher insurance rates. Parents adding a young driver onto a policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Liability coverage is peace of mind – Liability coverage is the protection when you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Small claims can cost you – Car insurance companies generally give cheaper rates to people who file claims infrequently. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.

Compare Auto Insurance Today

There are a variety of methods to compare 1998 Dodge Ram Pickup 3500 auto insurance quotes, but one way is easier and takes less work. You could spend your day talking to insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that allows shoppers to enter their policy data once, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions to each company.

To participate in this free quote system, click to open in new window.

The only drawback to using this type of form is you are unable to specify which insurance companies to get quotes from. If you wish to select specific insurance companies to compare prices, we have a page of low cost auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage limits for each price quote. If you have mixed coverages you can’t possibly determine which rate is truly the best.

Don’t overlook these discounts

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. A few discounts will automatically apply when you get a quote, but a few must be asked about in order for you to get them. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Accident Waiver – A few companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Ram pickup insurance than less cautious drivers.
  • Distant Student – Any of your kids who live away from home and don’t have a car may qualify for this discount.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will bring down your overall premium however.

Car insurance companies that may have these benefits may include but are not limited to:

Double check with each insurance company what discounts are available to you. Some discounts might not apply in every state.

Is my situation unique?

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation may require specific advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • How do I file an SR-22 for a DUI in my state?
  • Do I benefit by insuring my home with the same company?
  • What are the best liability limits?
  • How high should deductibles be on a 1998 Dodge Ram Pickup 3500?
  • Why do I only qualify for high-risk insurance?
  • Am I covered if I crash into my own garage door?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance specifics

Learning about specific coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for things like prosthetic devices, funeral costs, surgery and dental work. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, fire damage, falling objects, rock chips in glass and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This pays for damage to your Ram Pickup 3500 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle, colliding with a tree, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Auto liability insurance

This can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. 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 medical expenses, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Get your money’s worth

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits only to regret that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Low-cost 1998 Dodge Ram Pickup 3500 insurance is attainable online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

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