Compare 2009 Dodge Ram Pickup 3500 Car Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Believe me, you’re not the only one.

Because there are so many options, it can be impossible to locate the most cost effective insurance company.

You need to take a look at other company’s rates every six months since rates are constantly changing. Even if you think you had the best price for Ram pickup coverage a few years ago you will most likely find a better rate today. So just forget anything you know (or think you know) about insurance because you’re about to learn the quickest way to properly buy coverages and cut your premium.

Finding the best rates is easy if you know what you’re doing. Basically, everyone who shops for insurance coverage most likely will be able to cut their insurance bill. Nevertheless, drivers need to have an understanding of the methods companies use to sell online.

Free Insurance Coverage Quotes

Shopping for lower insurance coverage rates can be exhausting if you don’t understand the best way to get rate quotes. You can spend your afternoon discussing policy coverages with agents in your area, or you could use the internet to accomplish the same thing much quicker.

All the larger companies participate in a marketplace where prospective buyers send in one quote, and every company then gives them pricing determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The single downside to getting quotes like this is that you can’t choose which companies you will receive quotes from. So if you want to select from a list of companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click here to view list.

However you get your quotes, ensure you are comparing exactly the same coverages with each company. If you have mixed coverages it will be impossible to decipher which rate is best. Just a small difference in coverage limits can mean a large discrepancy in price. Just remember that comparing a large number of companies helps you find a lower rate.

Companies offer discounts so take them!

Companies offering auto insurance don’t always advertise every available discount in an easy-to-find place, so here is a list some of the best known and the more hidden savings tricks you should be using.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

It’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free insurance coverage policy, you’re out of luck.

A partial list of companies that may have some of the above discounts are:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not be available everywhere.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can help discover if your situation could use an agent’s help.

  • Do I pay less for low miles?
  • How much liability insurance is required?
  • Is upholstery damage covered by car insurance?
  • When should I buy a commercial auto policy?
  • Do I need replacement cost coverage?
  • Is a fancy paint job covered?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverages 101

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills such as ambulance fees, hospital visits, X-ray expenses, chiropractic care and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, rock chips in glass, a broken windshield, hitting a deer and hail damage. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

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

Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, scraping a guard rail, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability – This coverage provides protection from damages or injuries you inflict on people or other property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, court costs, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and 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 should not be overlooked.

Spend less. Save more.

You just read a lot of information how to shop for 2009 Dodge Ram Pickup 3500 insurance online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from some of the lesser-known companies. They can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped full coverage and learned later they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at the best price.

Additional detailed information can be read in the articles below: