2005 Dodge Ram Pickup 3500 Car Insurance Quotes – 5 Discounts for Cheaper Rates

Consumers have options when looking for affordable Dodge Ram Pickup 3500 insurance. You can either spend your time contacting agents trying to get quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the quickest way to price shop coverage for your Dodge and get the lowest possible price.

It’s a good habit to do rate comparisons every six months because car insurance prices trend upward over time. Even if you think you had the best price for Ram pickup insurance six months ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Vehicle owners just need to learn how to get comparison quotes over the internet.

The quickest method we recommend to compare car insurance rates is to realize most insurance companies will pay a fee to give rate comparisons. All you need to do is give them rating details such as whether you are married, whether the vehicles are used for commuting, whether your vehicle is owned or leased, and the make and model of your vehicles. The rating information is then sent to all major companies and you will get price comparisons almost instantly.

Discount auto insurance rates

Some providers do not advertise every discount they offer very well, so the list below details a few of the more common as well as some of the hidden credits that you can use to lower your rates.

• Low Miles Discount – Driving less can earn lower premium rates on the low mileage vehicles.
• Discounts for Responsible Drivers – Drivers who avoid accidents may save up to 50% more for Ram pickup insurance than less cautious drivers.
• Accident Free – Drivers who stay claim-free pay much less when compared to policyholders that have many claims.
• Early Signing – A few auto insurance companies allow discounts for switching policies prior to your current policy expiration. This discount can save up to 10%.
• Defensive Driving Course – Passing a class that teaches driver safety techniques may get you a small discount depending on where you live.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Just because it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

A list of companies and a selection of discounts are detailed below.

• AAA may have discounts that include anti-theft, pay-in-full, multi-policy, good driver, education and occupation, and good student.
• Progressive may include discounts for online quote discount, good student, continuous coverage, multi-vehicle, homeowner, online signing, and multi-policy.
• State Farm has discounts for defensive driving training, Drive Safe & Save, safe vehicle, student away at school, good driver, anti-theft, and multiple autos.
• Esurance offers discounts including anti-theft, safety device, defensive driver, Pac-12 alumni, multi-car, multi-policy, and online quote.
• Nationwide policyholders can earn discounts including multi-policy, easy pay, Farm Bureau membership, good student, accident-free, and family plan.

If you are trying to find low cost auto insurance quotes, ask all companies you are considering to apply every possible discount. Some discounts may not be offered in your area. If you would like to see a list of providers that provide some of the discounts listed above, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

• What is no-fault insurance?
• Should I rate my 2005 Dodge Ram Pickup 3500 as pleasure use or commute?
• Do I have newly-aquired coverage?
• Is my dog or cat covered if injured in an accident?
• What happens if I owe more than my 2005 Dodge Ram Pickup 3500 is worth?
• Am I covered if I hit a deer?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Learn about auto insurance coverages for a Dodge Ram Pickup 3500

Having a good grasp of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2005 Dodge Ram Pickup 3500.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage – Liability insurance can cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage, medical services, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses such as dental work, hospital visits and prosthetic devices. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from flooding and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

More comparisons equals lower rates

Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, unfair underwriting practices, poor customer service and even policy non-renewal. Whatever your reason, finding a great new company is not as difficult as it may seem.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice physical damage coverage to discover at claim time they didn’t have enough coverage. The aim is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Budget-conscious 2005 Dodge Ram Pickup 3500 insurance can be purchased from both online companies as well as from independent agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. There are still a few companies who don’t offer rate quotes online and many times these regional insurance providers work with independent agents.

To learn more, link through to the following helpful articles:

• Comprehensive Coverage (Liberty Mutual)
• How Much are Auto Insurance Rates for a Dodge Ram in Austin? (AustinCarInsuranceQuotes.com)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Insitute)