2010 Dodge Ram Pickup 3500 Insurance Rates

Searching for cheaper auto insurance rates for your Dodge Ram Pickup 3500? No one in their right mind enjoys paying for auto insurance, particularly when they are paying too much.

Multiple auto insurance companies compete for your business, and because of this it can be hard to compare insurers to find the absolute best price available.

Car Insurance Quote Comparison

Effectively comparing car insurance prices can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

The majority of car insurance companies take part in a program where insurance shoppers submit their information once, and each participating company then returns a price quote. This system prevents you from having to do quote forms for each company.

To enter your information into the quoting system, click here to start a free quote.

The single downside to getting quotes like this is you cannot specify the insurers you want to price. So if you prefer to pick specific providers to compare prices, we put together a list of low cost car insurance companies in your area. Click here to view list.

Whichever method you choose, make darn sure you compare apples-to-apples information with every price quote. If each company quotes different liability limits you can’t possibly determine the best price for your Dodge Ram Pickup 3500. Just a small difference in limits can mean a large discrepancy in price. And when comparing car insurance rates, know that obtaining a wide range of quotes helps you find better pricing.

These discounts can slash insurance rates

Companies that sell car insurance don’t always publicize every available discount in a way that’s easy to find, so the following is a list of both the well known and the more hidden ways to save on insurance.

  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn at least 10% off all policies.
  • Low Mileage – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Ram pickup coverage than drivers with accident claims.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Government Employees – Simply working for the federal government may qualify you for a discount for Ram pickup coverage with certain companies.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application digitally online.
  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

To see a list of companies with the best insurance discounts, click here to view.

Dodge Ram Pickup 3500 insurance premiums are calculated by many factors

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for insurance. Knowing what determines base rates allows you to make educated decisions that can help you get big savings.

  • Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If your Dodge Ram Pickup 3500 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Never allow your policy to lapse – Allowing your insurance policy to lapse will be a quick way to pay more for insurance. Not only will rates go up, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you when a court rules you are at fault for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Clean credit earns discounts – Having a bad credit rating is a important factor in calculating your insurance rates. People with good credit tend to be more responsible than drivers with lower credit scores. If your credit rating can use some improvement, you could save money insuring your 2010 Dodge Ram Pickup 3500 by repairing your credit.
  • Cautious drivers pay less – Even a single citation can boost insurance rates forty percent or more. Careful drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Dodge. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. Your deductibles are how much you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the less your insurance will be for Ram pickup coverage.

When might I need the advice of an agent?

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I rent a car in Mexico?
  • Is a blown tire covered by insurance?
  • Do I pay less for low miles?
  • Can I rate high risk drivers on liability-only vehicles?
  • When do I need to add a new car to my policy?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Don’t be fooled by advertising claims

State Farm, Geico and Progressive constantly bombard you with ads on TV and radio. All the companies have a common claim that you can save if you switch to them. How does each company say the same thing? It’s all in the numbers.

Different companies are able to cherry pick for the type of driver that earns them a profit. For example, a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer who matches those parameters is entitled to the best price and therefore will save quite a bit of money when switching.

Consumers who don’t meet these standards will be charged more money which leads to the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save money. That is how insurance companies can confidently state the savings. That is why drivers must get as many comparisons as possible. Because you never know which company will have the lowest Dodge Ram Pickup 3500 insurance rates.

Insurance coverage breakdown

Having a good grasp of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses such as X-ray expenses, funeral costs, ambulance fees, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Ram Pickup 3500.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like structural damage, medical services and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass, hitting a deer, hail damage and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

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

Collision insurance covers things like driving through your garage door, crashing into a ditch, hitting a mailbox, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

The bottom line

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In too many instances, drivers have reduced liability limits or collision coverage only to regret at claim time that it was a big mistake. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Throughout this article, we presented many ways to save on 2010 Dodge Ram Pickup 3500 insurance. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on car insurance is with a small local company. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm, Geico and Nationwide.

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