Cheaper 2002 Dodge Ram Pickup 3500 Car Insurance Cost

Trying to find low-cost insurance for a new or used Dodge Ram Pickup 3500 can normally be an all-consuming task, but you can learn our insurance coverage buying tips to save time.

There are more efficient ways to shop for insurance coverage and you need to know the absolute fastest way to compare rates for your Dodge and locate the cheapest rates from both online companies and local agents.

Consumers should take time to do rate comparisons quite often because prices tend to go up over time. Even if you got the lowest price on Ram pickup insurance a few years ago there is a good chance you can find better rates now. Starting right now, forget all the misinformation about insurance coverage because we’re going to show you how to use the internet to properly buy coverages and cut your premium.

Shopping for cheaper insurance coverage is quite easy. If you have a policy now or are just looking to switch companies, you can follow these tips to find the best rates while maximizing coverage. Drivers just need to learn the proper way to compare price quotes over the internet.

Cheap Auto Insurance Comparisons

Finding a better price on auto insurance is a fairly straight forward process. You just have to take a couple of minutes comparing rate quotes from different insurance companies. This can be accomplished using a couple different methods.

The fastest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do a different quote for each company you want a rate for. A single, simple form will return quotes from several companies. It’s definitely the quickest method.

A harder way to shop for auto insurance online requires visiting each company’s website to complete their respective quote request forms. For sake of this example, let’s say you want to compare Auto-Owners, Progressive and GEICO. To get rate quotes you would need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, be sure to compare exactly the same coverage information for each price quote. If the quotes have unequal deductibles or liability limits you will not be able to determine the lowest rate for your Dodge Ram Pickup 3500.

How to reduce 2002 Dodge Ram Pickup 3500 insurance rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Most are applied when you get a quote, but some may not be applied and must be specifically requested prior to getting the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Ram pickup insurance with certain companies.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Claim Free – Claim-free drivers pay less when compared to drivers who are more careless.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

It’s important to understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.

A partial list of companies that may have these discounts include:

Before buying, ask each company what discounts are available to you. Discounts might not be offered in your state.

Tailor your coverage to you

When choosing adequate coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions can aid in determining if your situation may require specific advice.

  • Which is better, split liability limits or combined limits?
  • Can my babysitter drive my car?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I get a multi-policy discount?
  • Is my teen driver covered when they drive my company car?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Dodge Ram Pickup 3500 insurance rates are influenced by…

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. Knowing what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Marriage pays dividends – Getting married actually saves money when buying auto insurance. Having a significant other translates into being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Multiple policies with one company can save – The majority of insurers will award you with lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, you may still want to comparison shop to ensure the best deal. Consumers may find a better deal by splitting coverages up.
  • Liability coverage is peace of mind – Liability coverage provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a quick way to bump up your auto insurance costs. Not only will you pay more, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Bump up deductibles to save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Dodge. Some examples of claims that would be covered would be running into the backend of another car, vandalism, and windstorm damage. The deductibles are how much you are required to spend before your auto insurance pays a claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Ram pickup insurance.
  • Pleasure use or commuting – The higher the mileage driven in a year’s time the higher your rates will be. Most companies apply a rate based on their usage. Cars left parked in the garage can get a lower rate compared to those used for work or business. Improper usage on your Ram Pickup 3500 can cost quite a bit. Make sure your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.

The fine print in auto insurance ads

Drivers can’t get away from ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all have a common claim that you’ll save big after switching your coverage to them.

How do they all say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that earns them a profit. An example of a driver they prefer might be between 30 and 50, a clean driving record, and has a short commute. A driver that hits that “sweet spot” receives the best rates and therefore will save when switching.

Consumers who are not a match for these standards will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently state the savings.

This emphasizes why you absolutely need to get quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest Dodge Ram Pickup 3500 insurance rates.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.


This coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills for things like EMT expenses, ambulance fees, pain medications, chiropractic care and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your Ram Pickup 3500 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, a broken windshield, fire damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Saving money is sweet as honey

You just read many ideas to shop for 2002 Dodge Ram Pickup 3500 insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance coverage comes from a lesser-known regional company.

Cheaper insurance can be found online and with local insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There have been many situations where consumers will sacrifice full coverage only to find out they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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