Cheaper 2005 Dodge Ram Pickup 3500 Insurance Quotes

Want lower insurance coverage rates for your Dodge Ram Pickup 3500? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Believe me when I say you’re not the only one.

Numerous insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to get the best price available.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Finding affordable coverage is quite easy. But vehicle owners need to learn the way insurance companies compete online because it can help you find the best coverage.

How to Compare Car Insurance Rates

To find the best car insurance prices, there are several ways of comparing price quotes and find the best price. The recommended way to find competitive 2005 Dodge Ram Pickup 3500 insurance rates involves getting comparison quotes online. This can be done in several different ways.

The best way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing separate quotation requests for every car insurance company. A single form compares rates from several companies.

A more time consuming way to compare rate quotes is spending the time to visit each company’s website and complete a new quote form. For examples sake, we’ll pretend you want to compare Nationwide, 21st Century and Progressive. To get rate quotes you would need to visit each site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

The most time-consuming way to compare rates is driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the personal advice that only a license agent can provide. It is possible to obtain prices from the web and still use a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverage limits and deductibles for every quote you compare. If each company quotes unequal deductibles or liability limits you will not be able to decipher which rate is best. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that obtaining a wide range of quotes will enable you to find a lower rate.

Companies offer discounts so take them!

Companies don’t always list all available discounts very well, so we break down some of the more common and the more hidden insurance coverage savings.

Defensive Driving Course – Taking a driver safety course could save 5% or more depending on where you live.
Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
Multiple Policy Discount – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
Student in College – Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
Passive Restraints – Vehicles with factory air bags can receive discounts of up to 25% or more.
Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you can get free auto insurance, insurance coverage companies aren’t that generous.

Companies who might offer some of the above discounts include:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts might not apply in your state.

Do I just need basic coverages?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique and your policy should reflect that. For example, these questions might point out if you may require specific advice.

What is the minimum liability in my state?
How much liability do I need to cover my assets?
What is medical payments coverage?
Will I lose any money if I cancel my policy before it expires?
Am I covered if I drive in a foreign country?
What exactly is covered by my policy?
Is business property covered if stolen from my car?
Can I get a multi-policy discount?
Is motorclub coverage worth it?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance specifics

Learning about specific coverages of auto insurance can help you determine which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 3500.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from 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.

Comprehensive coverage pays for things such as hail damage, hitting a deer, theft, a broken windshield and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This coverage covers damage to your Ram Pickup 3500 caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like hospital visits, pain medications and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage can cover injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, bail bonds, pain and suffering, funeral expenses and emergency aid. How much liability coverage do you need? That is your choice, but buy as much as you can afford.