2000 Dodge Ram Pickup 3500 Insurance Cost

Are you overwhelmed by the dozens of insurance options? You have a lot of company. You have so many options available that it can quickly become more work than you anticipated to find the lowest price.

Finding the best rates is not that difficult. If you currently have car insurance, you will most likely be able to save some money using these techniques. Nevertheless, consumers must comprehend how big insurance companies market on the web and take advantage of how the system works.

Don’t overlook these discounts

Car insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden discounts you could be receiving.

  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Ram pickup coverage than drivers with accidents.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Ram pickup coverage with certain companies.
  • Resident Student – Kids in college who live away from home and don’t have a car can receive lower rates.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Ram pickup coverage.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • No Claims – Claim-free drivers pay less when compared to accident-prone drivers.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Military Rewards – Having a deployed family member could mean lower rates.

It’s important to note that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free insurance policy, you’re out of luck.

For a list of providers with discount insurance rates, click here to view.

Elements that influence Dodge Ram Pickup 3500 insurance rates

Consumers need to have an understanding of the factors that come into play when calculating insurance coverage rates. Knowing what influences your rates enables informed choices that may reward you with big savings.

The list below includes some of the factors insurance coverage companies consider when setting rates.

  • Multiple policies with one company can save – Some companies provide better rates to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible.
  • Occupation reflects on rates – Occupations such as lawyers, architects and financial analysts have higher average rates in part from high stress and long work days. Conversely, jobs such as scientists, engineers and the unemployed get better rates on Ram pickup coverage.
  • Never go without insurance – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance might get you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies provide lower rates to policyholders who file claims infrequently. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Mature drivers pay less – More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers have a tendency to be more careless when driving therefore insurance coverage rates are much higher.
  • Safe vehicles cost less to insure – Safer cars can get you lower premiums. These vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If the Dodge Ram Pickup 3500 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Is my situation unique?

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover if your insurance needs may require specific advice.

  • Are rock chip repairs covered?
  • How do I insure my teen driver?
  • Does having multiple vehicles earn me a discount?
  • If my pet gets injured in an accident are they covered?
  • Does my medical payments coverage pay my health insurance deductible?
  • If my 2000 Dodge Ram Pickup 3500 is totaled, can I afford another vehicle?
  • Am I covered when driving someone else’s vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive consistently run ads on television and other media. All the ads have a common claim that you’ll save big if you change to their company. How does each company say the same thing?

All companies have a certain “appetite” for the right customer that is profitable for them. For instance, a profitable customer could possibly be between the ages of 30 and 50, owns a home, and has excellent credit. A customer getting a price quote who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Potential customers who do not match these standards will have to pay a more expensive rate and this can result in business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can claim big savings. Because of the profiling, drivers must get a wide range of price quotes. Because you never know which insurance companies will give you the biggest savings on Dodge Ram Pickup 3500 insurance.

Insurance coverage options for a Dodge Ram Pickup 3500

Learning about specific coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Dodge Ram Pickup 3500.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, damage from flooding and a broken windshield. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for surgery, prosthetic devices, EMT expenses, nursing services and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, driving through your garage door, rolling your car, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as repair bills for other people’s vehicles, medical services and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Pennies from heaven

We just covered some good ideas how you can lower your 2000 Dodge Ram Pickup 3500 insurance rates. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for any number of reasons including denial of a claim, an unsatisfactory settlement offer, policy non-renewal and high prices. Regardless of your reason, finding the right auto insurance provider can be less work than you think.

The cheapest insurance can be purchased online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

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