Compare 2006 Dodge Ram Pickup 3500 Insurance Quotes

Searching for lower insurance coverage rates for your Dodge Ram Pickup 3500? Are you a victim of high-priced insurance coverage? Believe me when I say there are many consumers feeling the pinch from expensive insurance coverage.

Many car insurance companies vie for your business, so it can be very hard to choose a provider and get the definite lowest cost out there.

It’s a good idea to price shop coverage yearly since insurance rates are variable and change quite frequently. Even if you think you had the lowest rates for Ram pickup insurance a couple years back there may be better deals available now. So just block out anything you think you know about insurance coverage because you’re going to learn the right way to remove unneeded coverages and save money.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Finding affordable coverage is not that difficult. But vehicle owners must learn how the larger insurance companies price insurance differently and use this information to your advantage.

Free Car Insurance Quotes

There are a lot of ways you can shop for car insurance but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

Most major companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company returns a rated price. This eliminates the need for quote forms for each company you want a rate for. To get comparison pricing now click here (opens in new window).

The one downside to using this type of system is that consumers can’t choose which carriers you will receive quotes from. If you would rather choose individual companies for rate comparison, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure to compare exactly the same coverages with every price quote. If you are comparing different deductibles it’s not possible to decipher which rate is best. Slightly different insurance coverages may cause a big price difference. Just keep in mind that more quotes helps locate a better price.

Drivers who switch save $467 a year? Really?

Allstate and Progressive consistently run ads on TV and radio. All the companies say the same thing of big savings if you change to them. How does each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the driver that earns them a profit. An example of a profitable customer might be between the ages of 30 and 50, has no tickets, and has a short commute. A customer that hits that “sweet spot” gets the lowest rates and most likely will save quite a bit of money when switching.

Drivers who do not match the “perfect” profile will be charged a higher premium which leads to the customer not buying. The ads state “drivers who switch” not “people who quote” save that much. That’s the way companies can truthfully state the savings. That is why it’s extremely important to get as many comparisons as possible. It is impossible to predict which insurance companies will provide you with the cheapest Dodge Ram Pickup 3500 insurance rates.

Why your Dodge Ram Pickup 3500 insurance rates may be high

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that can help you get better auto insurance rates.

Shown below are a few of the “ingredients” auto insurance companies consider when setting your rates.

Where you reside plays a part – Living in a small town is a positive aspect when insuring your vehicles. City drivers have more traffic problems and a longer drive to work. Fewer people means reduced accidents.
Discounts for married couples – Being married actually saves money on auto insurance. Having a significant other translates into being more responsible and it’s statistically proven that being married results in fewer claims.
Do you qualify for a multi-policy discount? – Many companies will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to shop around to confirm you are receiving the best rates possible. You may still find better rates by buying insurance from more than one company.
Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Dodge. Examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more expense you’re willing to pay, the less your company will charge you for insurance for Ram pickup insurance.
How credit affects auto insurance rates – A driver’s credit score is a big factor in determining your rates. If your credit history is lower than you’d like, you could save money insuring your 2006 Dodge Ram Pickup 3500 by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.

More discounts equal less premium

Companies that sell car insurance don’t necessarily list every discount very well, so we break down both well-publicized and the harder-to-find ways to save on auto insurance.

Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
Air Bag Discount – Vehicles with factory air bags can get savings of 20% or more.
Discount for New Cars – Insuring a new car is cheaper since new cars are generally safer.
Military Discounts – Being deployed with a military unit could mean lower rates.
Club Memberships – Participating in a professional or civic organization may earn a discount when buying auto insurance for Ram pickup insurance.
Discount for Good Grades – This discount can earn a discount of 20% or more. The good student discount can last up to age 25.
Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Ram pickup insurance than their less cautious counterparts.
Drive Less and Save – Keeping the miles down on your Dodge can qualify you for discounted rates on garaged vehicles.
Payment Method – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Claim Free – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.

It’s important to note that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

For a list of insurance companies with the best auto insurance discounts, follow this link.

It’s not one size fits all

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you would benefit from professional advice.

How much can I save by bundling my policies?
Should I buy full coverage?
Is my teen driver covered when they drive my company car?
Is my custom paint covered by insurance?
Do I get a pro-rated refund if I cancel my policy early?
Is upholstery damage covered by car insurance?
Are rental cars covered under my policy?
Who is covered when they drive my 2006 Dodge Ram Pickup 3500?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

What insurance coverages do you need?

Understanding the coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Coverage for liability – This can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to 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.

Liability coverage protects against things such as pain and suffering, repair bills for other people’s vehicles, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills like EMT expenses, dental work and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, rolling your car, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, rock chips in glass, damage from getting keyed, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Saving money is sweet as honey

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage to discover at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford.

We just covered many ideas to get a better price on 2006 Dodge Ram Pickup 3500 insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the lowest premiums are with the least-expected company. These companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive and Geico.

Affordable insurance can be bought online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.