1994 Dodge Ram Pickup 3500 Insurance Cost

Tired of paying out the nose to insure your Dodge every month? You are no different than many other consumers.

With consumers having so many companies to choose from, it’s difficult to find the most cost effective provider.

Consumers should take time to take a look at other company’s rates at least once a year because rates are constantly changing. Just because you had the lowest rates on Ram pickup coverage on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this article is to help you learn the best way to quote coverages and some money-saving tips. If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. But vehicle owners must know the methods companies use to sell insurance online and apply this information to your search.

How to Get Insurance Coverage Comparison Quotes

There are a lot of ways you can shop for insurance coverage but one way is less time-consuming than others. You can waste a lot of time driving to local insurance agents in your area, or you could use online quoting to get the quickest rates.

Most car insurance companies take part in a program where prospective buyers enter their policy data once, and each company can give them a price for coverage. This eliminates the need for quote requests to every company.

To find out what other companies charge for 1994 Dodge Ram Pickup 3500 insurance click here (opens in new window).

The only downside to using this type of system is you don’t know exactly the companies you want to price. So if you want to choose individual companies for rate comparison, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage information for each price quote. If you enter mixed coverages it will be impossible to determine the lowest rate for your Dodge Ram Pickup 3500. Having just a slight variation in limits may cause a big price difference. Just remember that obtaining a wide range of quotes gives you a better chance of getting the best price.

Discounts are great for lower rates

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but some must be inquired about prior to getting the savings.

  • Senior Citizens – Older drivers may qualify for better insurance rates on Ram pickup coverage.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount on insurance on Ram pickup coverage.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, you’re out of luck. Any qualifying discounts will reduce your premiums.

Insurance companies who might offer these discounts include:

Before buying, ask every prospective company which discounts they offer. Savings might not apply in every state.

You may need specialized coverage

When choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine whether or not you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Do I have coverage if my license is suspended?
  • Does my 1994 Dodge Ram Pickup 3500 qualify for pleasure use?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When should I drop full coverage on my 1994 Dodge Ram Pickup 3500?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Why your Dodge Ram Pickup 3500 insurance rates may be high

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower car insurance prices.

The following are some of the factors that factor into premiums.

  • Proper usage rating affects rates – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your car insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your Ram Pickup 3500 may be costing you.
  • Liability insurance protects assets – Your policy’s liability coverage is the coverage that protects you when a court rules you are at fault for damages from an accident. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Where you reside plays a part – Choosing to live in less populated areas can save you money when talking about car insurance. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages that can waste your money on your car insurance policy. Coverages for rental car reimbursement, accident forgiveness and motor club memberships may be wasting your money. These may sound like a good investment at first, but if you don’t need them eliminate them to save money.

Insurance specifics

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverages available from insurance companies.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Dodge Ram Pickup 3500.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So 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.

Comprehensive protection – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, damage from getting keyed, a broken windshield, theft and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision coverage will pay to fix damage to your Ram Pickup 3500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability – This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, 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. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, pain and suffering and emergency aid. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses like pain medications, chiropractic care and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

More comparisons equals lower rates

Cost effective 1994 Dodge Ram Pickup 3500 insurance can be found both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and these small insurance companies work with independent agents.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone dropped collision coverage and discovered at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible at a price you can afford.

In this article, we covered many ways to reduce insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even find the lowest rates come from some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

For more information, take a look at these articles: