Trying to find cheaper insurance coverage rates for your Dodge Ram Pickup 3500? Searching for cheaper insurance for a Dodge Ram Pickup 3500 can be difficult, but you can learn the following methods to make it easier.
There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the proper way to quote coverages on a Dodge and get the best price possible either online or from local insurance agents.
Getting a lower price on 1998 Dodge Ram Pickup 3500 insurance can be relatively painless. The only requirement is to spend a little time comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.
One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do a different quote for each company you want a rate for. A single, simple form will return price quotes instantly. Recommended for those who want to invest the least amount of time.
A harder way to analyze rates requires visiting each individual company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want comparison quotes from Allstate, Farmers and GMAC. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
The least efficient method to get comparison rates is to spend time driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you have a need for the professional advice that only a license agent can provide. You can, however, comparison shop online but buy from a local insurance agent and we’ll cover that in a bit.
Which method you use is up to you, but ensure you’re using the exact same quote information for each price quote. If your comparisons have different limits and deductibles on each one it’s impossible to decipher which rate is best.
Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be manually applied before you will receive the discount. If you don’t get every credit you deserve, you’re just leaving money on the table.
It’s important to note that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, you’re out of luck. But all discounts will cut the amount you have to pay.
A partial list of companies who might offer these discounts include:
Double check with each company which discounts you may be entitled to. Savings might not apply in your area.
When it comes to buying coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out if you would benefit from professional advice.
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.
Knowing the specifics of your car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Coverage for liability – This can cover damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like bail bonds, emergency aid, medical services, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.
Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like theft, vandalism, damage from getting keyed and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Dodge Ram Pickup 3500.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, funeral costs, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle, crashing into a ditch, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.
We just presented a lot of techniques to reduce 1998 Dodge Ram Pickup 3500 insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.
People switch companies for a number of reasons such as extreme rates for teen drivers, poor customer service, high rates after DUI convictions or even policy non-renewal. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.
Cheaper insurance can be sourced online as well as from independent agents, so you should compare both to have the best rate selection. A few companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.
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