How Much Does 1996 Dodge Ram Pickup 3500 Insurance Cost?

Trying to find cheaper insurance for a Dodge Ram Pickup 3500 can turn out to be a painful process, but you can use a few tricks to save time.

There is a better way to compare insurance coverage rates and you need to know the absolute fastest way to quote coverages for a new or used Dodge and obtain the best price possible from local insurance agents and online providers.

You should make it a habit to get comparison quotes quite often because rates are constantly changing. Just because you had the best rates on Ram pickup insurance six months ago other companies may now be cheaper. There is too much inaccurate information about insurance coverage on the internet, so I’m going to show you the easiest ways to stop overpaying for insurance.

If you have a policy now or need a new policy, you can use these techniques to shop for the lowest rates and still get good coverage. Shopping for more affordable car insurance coverage is quite easy. Vehicle owners just need to know the best way to buy car insurance online.

Which Insurance is Cheapest?

Comparing insurance rates can be challenging if you don’t utilize the fastest way to get free quotes. You can waste hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web to achieve your goal.

Most of the larger companies take part in a program where insurance shoppers send in one quote, and each participating company can provide price quotes based on that information. This saves time by eliminating repetitive form submissions to each company. To participate in this free quote system, click here to start a free quote.

The single downside to getting quotes like this is you can’t choose the insurers to get quotes from. So if you want to choose individual companies for rate comparison, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you are comparing identical coverage limits for each comparison quote. If you are comparing different liability limits you can’t possibly determine which rate is truly the best.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for car insurance savings by companies like State Farm and Allstate. They all seem to say the same thing that you’ll save big if you change to them.

How do they all claim to save you money? This is how they do it.

Different companies can use profiling for the right customer that is profitable for them. A good example of a profitable customer might be over the age of 50, insures multiple vehicles, and has excellent credit. A driver who meets those qualifications is entitled to the best price and as a result will probably save when switching.

Consumers who don’t qualify for this ideal profile will be charged higher prices and ends up with business not being written. The ads say “customers that switch” not “everyone that quotes” save money. That is how companies can truthfully claim big savings.

That is why drivers should compare many company’s rates. It’s impossible to know which company will give you the biggest savings on Dodge Ram Pickup 3500 insurance.

Pieces of the Dodge Ram Pickup 3500 insurance rate puzzle

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

  • A clean driving record saves money – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers have lower premiums than bad drivers. Even a single moving violation can increase rates forty percent or more. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Sex matters – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Women and men tend to get into accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.
  • Your job and insurance rates – Occupations such as lawyers, architects and stock brokers tend to have the highest rates in part from job stress and lots of time spent at work. On the other hand, occupations like scientists, students and retirees receive lower rates on Ram pickup insurance.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. These vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If your Dodge Ram Pickup 3500 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Extra add-on coverages are wasting money – There are quite a few add-on coverages you can purchase on your 1996 Ram Pickup 3500 policy. Things like personal injury protection, better glass coverage and membership fees are examples of these. These coverages may sound good initially, but your needs may have changed so remove them from your policy.
  • Do you have enough liability coverage? – Liability coverage is the protection when you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Credit scores impact auto insurance rates – Credit rating is a important factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit score can use some improvement, you could potentially save money when insuring your 1996 Dodge Ram Pickup 3500 by improving your credit score.

Policy discounts you shouldn’t miss

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. A few discounts will automatically apply when you quote, but some may not be applied and must be asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Organization Discounts – Belonging to a professional or civic organization could trigger savings when shopping for insurance on Ram pickup insurance.
  • Life Insurance Discount – Some companies give a break if you buy life insurance from them.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates on Ram pickup insurance.
  • Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance policy qualifies for this discount.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

A partial list of companies that may offer these benefits include:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might help in determining whether you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • What is the minimum liability in my state?
  • Is upholstery damage covered by car insurance?
  • I have health insurance so do I need medical payments coverage?
  • Does my insurance cover a custom paint job?
  • What happens if I owe more than my 1996 Dodge Ram Pickup 3500 is worth?
  • Am I insured when driving a different vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is PIP insurance?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like funeral costs, nursing services, prosthetic devices, pain medications and surgery. They are often utilized in addition to 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 being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays for damage to your Ram Pickup 3500 resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as legal defense fees, funeral expenses, pain and suffering, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Have the Midas touch

Throughout this article, we presented some good ideas how you can shop for 1996 Dodge Ram Pickup 3500 insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a small local company.

Cheaper insurance is possible on the web in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

People switch companies for many reasons like delays in responding to claim requests, policy cancellation, questionable increases in premium or even unfair underwriting practices. It doesn’t matter what your reason, switching companies is easier than you think.

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