1999 Dodge Ram Pickup 3500 Insurance Rates – 7 Ways to Save

Searching for better insurance coverage rates for your Dodge Ram Pickup 3500? Having to pay for overpriced Dodge Ram Pickup 3500 insurance can drain your savings account and make it impossible to make ends meet. Shopping your coverage around is a smart way to cut your insurance bill. Drivers have so many car insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more challenging to compare rates and cut insurance costs.

It’s a great practice to take a look at other company’s rates once or twice a year because prices are variable and change quite frequently. Despite the fact that you may have had the best price for Ram pickup insurance six months ago you will most likely find a better rate today. So forget all the misinformation about insurance coverage because I’m going to teach you the easiest way to save money, get proper coverage and the best rates.

Pricing the best insurance coverage coverage can be fairly easy. If you are insured now or need new coverage, you can follow these tips to get lower rates while maximizing coverage. Vehicle owners just need to know the most effective way to compare company rates over the internet.

Don’t miss out on these seven money-saving discounts

Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specially asked for before being credited. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Multiple Policy Discount – When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Ram pickup insurance than less cautious drivers.
  • Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current expiration date. The savings is around 10%.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will reduce your premiums.

Companies who might offer some of the above discounts are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not be available in your area.

Advertising myths

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm and Allstate. They all seem to make an identical promise that you’ll save big if you change your policy.

How does each company make almost identical claims?

Different companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured might be over the age of 50, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Drivers who are not a match for these standards will be charged a more expensive rate and this can result in business going elsewhere. The ads say “drivers who switch” not “people who quote” save money. That’s the way companies can truthfully state the savings.

That is why drivers should compare as many rates as you can. You cannot predict which company will provide you with the cheapest Dodge Ram Pickup 3500 insurance rates.

Do I need special coverages?

When choosing the best car insurance coverage, there is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help highlight if your situation might need professional guidance.

  • When can I cancel my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I crash into my own garage door?
  • I have a DUI can I still get coverage?
  • Should I sign the liability waiver when renting a car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if hit by an uninsured driver?
  • Does my policy pay for OEM or aftermarket parts?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage options for a Dodge Ram Pickup 3500

Having a good grasp of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Collision coverage – Collision coverage pays for damage to your Ram Pickup 3500 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Auto liability – Liability coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical expenses, emergency aid, bail bonds and pain and suffering. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for immediate expenses for things like doctor visits, surgery, ambulance fees, rehabilitation expenses and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Never pay more for less

Discount 1999 Dodge Ram Pickup 3500 insurance is definitely available both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

In this article, we covered a lot of techniques to lower your insurance rates. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even discover the most savings is with some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Progressive and Geico.

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