1998 Dodge Ram Pickup 3500 Insurance Quotes – 10 Ways to Save

Have you fallen victim to an overpriced auto insurance policy? Trust us, you are not the only one feeling buyer’s remorse.

There is such a variety of auto insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more difficult to find the lowest cost provider.

Where Can I Get Cheap Insurance Coverage?

To find the best insurance coverage prices, there are several ways to compare rate quotes from different insurance companies. The best method to find the lowest 1998 Dodge Ram Pickup 3500 rates is to perform an online rate comparison. This can be done using a couple different methods.

The fastest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for multiple quote forms for every insurance coverage company. Filling out one form will return price quotes direct from many companies.

A more difficult way to obtain and compare quotes online requires visiting each company’s website and complete a new quote form. For examples sake, we’ll pretend you want to compare rates from State Farm, Safeco and Liberty Mutual. To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverages on every quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your Dodge Ram Pickup 3500. Just a small difference in insurance coverages may result in a large different in cost. And when comparison shopping, comparing more company’s prices will enable you to find lower pricing.

Auto insurance ads bend the truth

Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. All the companies make the same claim that you can save if you switch to them. How does each company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the type of driver that is profitable for them. An example of a preferred risk could be between 30 and 50, is a homeowner, and chooses high deductibles. A driver who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who don’t qualify for this ideal profile will have to pay higher premiums and this can result in business not being written. Company advertisements say “customers who switch” not “people who quote” save that much money. That’s why insurance companies can confidently make those claims.

Because of the profiling, drivers must get quotes from several different companies. It’s not possible to predict which auto insurance company will have the lowest Dodge Ram Pickup 3500 insurance rates.

Take these ten discounts and save

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you quote, but some may not be applied and must be asked for in order for you to get them.

  • Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Passive Restraints and Air Bags – Factory air bags can get savings up to 30%.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • College Student – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.
  • Accident Waiver – A handful of insurance companies permit an accident without raising rates so long as you haven’t had any claims for a set time period.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Drive Less and Save – Keeping the miles down on your Dodge can earn better rates on cars that stay parked.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Ram pickup coverage with certain companies.

It’s important to understand that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down the cost of coverage.

For a list of insurance companies with the best insurance coverage discounts, click here to view.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you could use an agent’s help.

  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when pulling a rental trailer?
  • Does car insurance cover theft of personal property?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Comprehensive auto insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage, hail damage, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for bills for things like pain medications, nursing services, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle 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 and gives slightly broader coverage than med pay

Collision coverage – This will pay to fix damage to your Ram Pickup 3500 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance – Liability coverage can cover damage or injury you incur to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, bail bonds and court costs. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many cases where someone dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Cheaper 1998 Dodge Ram Pickup 3500 insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.

We just covered many ways to shop for insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the lowest rates come from a smaller regional carrier. They may have significantly lower rates on certain market segments than their larger competitors like Geico and State Farm.

More detailed insurance information is located by following these links: