Cheaper 2001 Dodge Ram Pickup 3500 Insurance Quotes

Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners.

Because there are so many companies and agents to choose from, it’s nearly impossible to choose the most affordable provider.

Some factors that can determine what Dodge Ram Pickup 3500 insurance costs

An important part of buying insurance is that you know the different types of things that help determine the price you pay for insurance. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

The following are a partial list of the pieces companies use to determine premiums.

  • Adjust deductibles and save – Your deductibles define the amount you are required to spend in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Ram pickup insurance.
  • Liability coverage is peace of mind – Liability insurance will protect you when you are found liable for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • Add-on coverages can add up – There are a ton of additional coverages that you can buy on your 2001 Ram Pickup 3500 policy. Coverages like vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
  • Never let your coverage lapse – Not having insurance is a misdemeanor and insurance companies will penalize you for letting your insurance expire. Not only will you pay more, but not being able to provide proof of insurance may earn you a steep fine or even jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

The quickest way to compare policy rates is to know the trick most larger insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide a little information including how many miles driven, if you’re married, types of safety features, and your general credit rating. Your details is instantly provided to many different companies and they return rate quotes almost instantly.

To compare multiple company rates now, click here and complete the form.

Save $443 a year. For real?

Car insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all make an identical promise of big savings if you switch to their company. But how can every company say the same thing?

All companies can use profiling for the right customer they prefer to insure. For instance, a desirable insured might be between 30 and 50, has no driving citations, and chooses high deductibles. A propective insured that hits that “sweet spot” will get very good rates and is almost guaranteed to save a lot of money.

Consumers who are not a match for these standards must pay higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save money. That is how insurance companies can make those claims.

This illustrates why it’s extremely important to get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings on Dodge Ram Pickup 3500 insurance.

Best discounts on 2001 Dodge Ram Pickup 3500 coverage

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply when you complete an application, but a few must be requested specifically before they will apply.

  • Life Insurance Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • 55 and Retired – Older drivers may be able to get a discount up to 10% on Ram pickup insurance.
  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Ram pickup insurance with select insurance companies.
  • Driver Safety – Completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • No Claims – Drivers who don’t have accidents can save substantially compared to drivers who are more careless.
  • E-sign – A handful of insurance companies will give a small break simply for signing online.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

A partial list of companies that may have these benefits are:

Double check with each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need an umbrella policy?
  • Why am I required to buy high-risk coverage?
  • Does my 2001 Dodge Ram Pickup 3500 qualify for pleasure use?
  • Does my 2001 Dodge Ram Pickup 3500 need full coverage?
  • What can I do if my company denied a claim?
  • How high should deductibles be on a 2001 Dodge Ram Pickup 3500?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Specifics of your insurance policy

Learning about specific coverages of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your Ram Pickup 3500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability insurance

This provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, emergency aid, medical expenses, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as pain medications, surgery, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Final thoughts

While you’re price shopping online, you should never reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

In this article, we covered a lot of information how to shop for 2001 Dodge Ram Pickup 3500 insurance online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from the smaller companies. Regional companies often have lower prices on specific markets than the large multi-state companies such as Progressive and Geico.

Additional insurance information can be found at these links: