Compare 2007 Dodge Ram Pickup 3500 Insurance Cost

Buyers have a choice when searching for the lowest priced Dodge Ram Pickup 3500 insurance. You can either spend your time driving around to compare prices or use the internet to compare rates.

There is a better way to find insurance online so we’re going to tell you the absolute fastest way to compare rates on a Dodge and find the lowest possible price from local insurance agents and online providers.

Dodge Ram Pickup 3500 insurance rates are influenced by…

Consumers need to have an understanding of the factors that go into determining insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that could result in lower insurance prices.

Listed below are some of the items used by your company to calculate premiums.

  • Pay less if you’re married – Having a wife or husband can get you a discount when buying insurance. Having a spouse means you’re more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Dodge Ram Pickup 3500 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Don’t skimp on liability – Liability coverage is the protection in the event that a jury decides you are liable for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Rural vs Urban Areas – Being located in a rural area has it’s advantages when talking about insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Lower population translates into fewer accidents.
  • What are your deductibles? – Your deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, vandalism, and burglary. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for Ram pickup insurance.

Free Auto Insurance Quotes

There are several ways to compare Dodge Ram Pickup 3500 auto insurance prices and some are less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can utilize the web to get pricing more quickly.

Many popular insurance companies belong to an insurance system where insurance shoppers submit their information once, and every company then gives them pricing based on that data. This system prevents you from having to do quote requests to each individual auto insurance company.

To compare 2007 Dodge Ram Pickup 3500 rates using this form now click here to start a free quote.

The only downside to doing it this way is that you can’t choose which insurance companies you will receive quotes from. So if you want to select individual companies to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare the exact same coverages and limits with each company. If the quotes have different values for each quote it’s not possible to truly determine the lowest rate.

Can switching companies really save?

Consumers constantly see and hear ads for the lowest price auto insurance by Progressive, Allstate and Geico. They all seem to make the same claim that you can save if you move to their company.

How does each company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a profitable customer could possibly be between 25 and 40, a clean driving record, and drives newer vehicles. Any driver who meets those qualifications will get the preferred rates and most likely will save when switching.

Potential customers who fall outside the “perfect” profile must pay a higher premium and this can result in business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully advertise the savings.

This illustrates why it’s extremely important to get as many quotes as possible. Because you never know which insurance coverage company will provide you with the cheapest Dodge Ram Pickup 3500 insurance rates.

Cut your auto insurance rates with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to cut the cost considerably. Some discounts apply automatically when you get a quote, but some may not be applied and must be specially asked for prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • College Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Senior Citizens – Mature drivers may receive reduced rates for Ram pickup insurance.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.

Keep in mind that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.

Insurance companies that may have some of the above discounts include:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not apply in your state.

You are unique and your car insurance should be too

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions can aid in determining whether or not you may require specific advice.

  • Do I pay less for low miles?
  • Do I need more liability coverage?
  • Is my babysitter covered when using my vehicle?
  • Is a blown tire covered by insurance?
  • How do I file an SR-22 for a DUI in my state?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2007 Dodge Ram Pickup 3500.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance – This coverage will cover damage or injury you incur to other people or property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like emergency aid, court costs and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, fire damage, theft and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, hitting a parking meter, scraping a guard rail and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, surgery, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Online plus local equals savings

We’ve covered a lot of techniques to shop for 2007 Dodge Ram Pickup 3500 insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the most savings is with some of the lesser-known companies.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. In too many instances, drivers have reduced liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at the best price while not skimping on critical coverages.

People change insurance companies for a variety of reasons including not issuing a premium refund, unfair underwriting practices, high prices and even being labeled a high risk driver. It doesn’t matter why you want to switch finding the right insurance coverage provider is actually quite simple.

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