2007 Dodge Ram Pickup 3500 Insurance Quotes

Buyers have options when searching for low-cost Dodge Ram Pickup 3500 insurance. They can either waste time driving around to get rate comparisons or leverage the internet to find the lowest rates.

There is a better way to compare insurance coverage rates so we’re going to tell you the absolute fastest way to quote coverages for your Dodge and get the best price possible from local insurance agents and online providers.

You need to compare prices on a regular basis because rates are usually higher with each renewal. Despite the fact that you may have had the best deal for Ram pickup insurance a year ago there may be better deals available now. Starting right now, forget anything you know (or think you know) about insurance coverage because you’re going to learn the things you must know in order to find better rates and still maintain coverage.

Auto Insurance Comparison Rates

There are several ways to compare Dodge Ram Pickup 3500 auto insurance prices but one way is less labor-intensive and much quicker. You can spend countless hours talking to local insurance agents in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies belong to an insurance system where prospective buyers submit one quote, and each company can provide price quotes for coverage. This system prevents you from having to do quote requests to each individual auto insurance company.

To use this form to compare 2007 Dodge Ram Pickup 3500 insurance rates click here (opens in new window).

The only downside to using this type of form is that consumers can’t choose the insurers to receive prices from. If you prefer to choose from a list of companies to receive pricing from, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

However you get your quotes, be sure to compare identical coverage limits and deductibles for every quote you compare. If you are comparing unequal deductibles or liability limits it’s impossible to find the best deal for your Dodge Ram Pickup 3500.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if your situation might need professional guidance.

Can I make deliveries for my home business?
When do I need to add a new car to my policy?
Is extra glass coverage worth it?
Who is covered by my policy?
When should I buy a commercial auto policy?
Is a blown tire covered by insurance?
How many claims can I have before being cancelled?
Am I covered when using my vehicle for business?
Who is covered when they drive my 2007 Dodge Ram Pickup 3500?
Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Specific coverage details

Having a good grasp of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage pays for damage to your Ram Pickup 3500 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, 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 without having the split limit caps.

Liability coverage protects against claims such as medical expenses, repair costs for stationary objects, medical services, attorney fees and loss of income. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like nursing services, X-ray expenses and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage