Compare 2010 Dodge Ram Pickup 3500 Car Insurance Cost

Trying to find the cheapest insurance coverage rates for your Dodge Ram Pickup 3500? Have you had enough of trying to scrape together enough money to buy car insurance? You’re in the same situation as millions of other consumers.

Numerous car insurance companies battle for your hard-earned dollar, so it’s not easy to compare every company to find the absolute lowest rate possible.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is not rocket science. But consumers benefit from understanding the methods companies use to market on the web and apply this information to your search.

Free Quotes for Auto Insurance

All major auto insurance companies quote price estimates on the web. Getting online rates is quite simple as you simply type in the amount of coverage you want into the quote form. When complete, their system will order information on your driving record and credit history and gives you a price quote. This simplifies rate comparisons, but the work required to visit different websites and complete many quote forms is repetitive and time-consuming. But it’s very important to compare as many rates as possible in order to get the best price possible.

A less time-consuming method to compare rates utilizes a single form that gets prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable. Immediately after you send the form, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. It takes just a few minutes to complete and may result in a nice savings.

To quickly find out how much you’re overpaying now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you duplicate the coverage information identical to your current policy. Doing this guarantees you will be getting an apples-to-apples comparison for exact coverage.

Save money by taking advantage of these discounts

Auto insurance companies do not list every discount in an easy-to-find place, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.

  • No Claims – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

It’s important to note that some credits don’t apply the the whole policy. Some only reduce individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren’t that generous.

To see a list of providers with discount car insurance rates, follow this link.

Dodge Ram Pickup 3500 insurance rates are influenced by…

It’s important that you understand the different types of things that help determine the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine premiums.

  • Your credit rating is important – A driver’s credit score is a big factor in determining your rates. If your credit history is lower than you’d like, you could potentially save money when insuring your 2010 Dodge Ram Pickup 3500 by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure than drivers who have poor credit.
  • Don’t let your coverage lapse – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a license revocation or jail time.
  • Men are more aggressive – The statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both have accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
  • Optional equipment can affect rates – Owning a car that has an advanced theft prevention system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Pleasure use saves money – The higher the mileage driven each year the higher your rate. Almost all companies charge to insure your cars based on their usage. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your Ram Pickup 3500 can result in significantly higher rates.
  • Your age impacts your rates – Teenage drivers are known to be more careless behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a young driver onto a policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.

When should I use an insurance agent?

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Is my trailer covered?
  • Do I have coverage when using my vehicle for my home business?
  • Does insurance cover tools stolen from my truck?
  • Why am I required to buy high-risk coverage?
  • When should I drop full coverage on my 2010 Dodge Ram Pickup 3500?
  • Is my babysitter covered when using my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is no-fault insurance?

If it’s difficult to answer those 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 or go to this page to view a list of companies.

Car insurance coverages for a 2010 Dodge Ram Pickup 3500

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Coverage for collisions

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. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a building, driving through your garage door, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage

Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like medical services, pain and suffering, legal defense fees, bail bonds and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 3500.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, rock chips in glass, vandalism and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like rehabilitation expenses, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Pennies from heaven

Discount 2010 Dodge Ram Pickup 3500 insurance can be purchased online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice collision coverage to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

More tips and info about insurance coverage is available by following these links: