2004 Dodge Ram Pickup 3500 Insurance Quotes

Scraping up a payment for overpriced Dodge Ram Pickup 3500 insurance can overdraw your bank account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Having so many auto insurance companies to choose from, it can be impossible to choose the best provider.

These factors can influence Dodge Ram Pickup 3500 insurance rates

It’s important that you understand the different types of things that help determine the price you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

The following are a few of the “ingredients” companies use to determine your rates.

  • How credit affects auto insurance rates – Credit rating is a important factor in calculating your auto insurance rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your 2004 Dodge Ram Pickup 3500 by improving your rating.
  • Where you reside plays a part – Residing in a rural area is a positive aspect when talking about auto insurance. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have more traffic problems and longer commute times. More time commuting means more change of being in an accident.
  • Your stress level may be raising your rates – Occupations such as judges, business owners and financial analysts have higher average rates in part from stressful work requirements and lots of time spent at work. Conversely, occupations such as farmers, engineers and retirees get better rates on Ram pickup coverage.
  • A lapse in coverage is a bad thing – Driving with no insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Cautious drivers pay less – Careful drivers have lower premiums than people who have multiple driving citations. Even one citation can boost insurance rates twenty percent or more. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Too many auto insurance claims drive up costs – If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies provide discounts to drivers who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the large, substantial claims.
  • High deductibles save money – Your deductibles define the amount you are required to spend before your auto insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and rolling your vehicle. The higher the amount the insured has to pay upfront, the less your auto insurance will be on Ram pickup coverage.

More discounts equal less premium

Car insurance companies don’t list every discount very well, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you don’t get every credit you qualify for, you are paying more than you should be.

  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Life Insurance Discount – Some companies give lower rates if you buy life insurance from them.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.

It’s important to note that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

Insurance companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not apply in every state.

Don’t believe everything you hear

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Allstate and Geico. All the companies make the same claim that you can save if you switch your policy.

But how can every company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of driver that is profitable for them. For example, a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and has a high credit rating. Any new insured who matches those parameters will get very good rates and as a result will probably cut their rates substantially.

Potential insureds who don’t qualify for these standards will be charged a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That’s why companies can truthfully make those claims. That is why it is so important to get as many quotes as possible. You cannot predict which company will have the lowest Dodge Ram Pickup 3500 insurance rates.

It’s not one size fits all

When buying the best car insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Why am I required to buy high-risk coverage?
  • Is a fancy paint job covered?
  • When should my teen driver be added to my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why does it cost so much to insure a teen driver?
  • Are my friends covered when driving my 2004 Dodge Ram Pickup 3500?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Parts of your car insurance policy

Knowing the specifics of car insurance helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as nursing services, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability – This coverage protects you from damage that occurs to a person or their property by causing an accident. It 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 values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like structural damage, funeral expenses and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Dodge Ram Pickup 3500.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hail damage, damage from flooding, hitting a deer, damage from getting keyed and hitting a bird. The maximum amount you’ll receive from a claim 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 insurance covers claims like sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Make a quick buck

As you shop your coverage around, do not skimp on coverage in order to save money. There are a lot of situations where an insured dropped collision coverage to discover at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

In this article, we presented some good ideas how to shop for 2004 Dodge Ram Pickup 3500 insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even find the biggest savings come from an unexpected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Low-cost insurance is available from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

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