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Dodge Ram Pickup 3500 Insurance Rates

Drivers have lots of options when buying insurance for your Dodge vehicle. You can buy from a local agent or shop online to check prices from car insurance companies. Comparing auto insurance from online rate quotes is easy, plus you might just save a little.

Beginners to buying insurance may think finding cut-rate Ram Pickup 3500 insurance is more work than they want to put in. Finding lower Ram Pickup 3500 insurance cost doesn't have to be difficult. You just have to spend a little time to get quotes from different insurance companies. This can be done by completing this short form.

Rates are determined by these things

Auto insurance rates for your Dodge Ram Pickup 3500 can fluctuate considerably based upon several criteria. Including but not limited to:

  • The performance level of your Ram Pickup 3500
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Home ownership saves money

A final factor that can impact Ram Pickup 3500 insurance rates is the model year. New vehicles have a higher value in comparison to later models so repair costs are higher which may result in higher rates. Although new Dodge models may have a trim level with safety features included like adaptive cruise control, anti-lock brakes, and active head restraints which may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Ram Pickup 3500 from the list below.

Liability insurance - Liability insurance provides protection from damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper Ram Pickup 3500 insurance rates.

Comprehensive protection - Comprehensive insurance coverage pays to fix your vehicle from 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 your Dodge Ram Pickup 3500 comprehensive insurance. The most your auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Ram Pickup 3500 Insurance Rates?