2014 Dodge Ram Pickup 3500 Car Insurance Rates in 2024

Searching for better auto insurance rates for your Dodge Ram Pickup 3500? Expensive auto insurance can consume your personal savings and force you to make tough financial choices. Doing a price comparison is a fast and free way to lower your monthly bill.

Insurance companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it can be hard to not get sucked in by the cute commercials and find the best price available.

Affordable insurance coverage rate quotes

Comparing insurance coverage rates can be a lot of work if you don’t understand the best way to get rate quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use the internet to achieve your goal.

Many companies are enrolled in a marketplace that enables customers to submit their information once, and every company then gives them pricing based on that information. This system prevents you from having to do form submissions for each company you want a rate for. To compare rates using this form now enter your zip code here.

The one disadvantage to doing it this way is you are unable to specify which insurance companies to get quotes from. If you prefer to choose individual companies to compare prices, we have a page of insurance coverage companies in your area. Click to enter zip code.

However you get your quotes, be sure to compare nearly identical coverage data on every quote you get. If each company quotes different deductibles it will be very difficult to get a fair rate comparison. Having just a slight variation in coverage limits could mean much higher rates. And when quoting insurance coverage, remember that comparing all the rates in your area helps locate the best offered rates. Some regional insurers cannot provide rate quotes online, so it’s recommended that you also compare quotes from those companies as well.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

• If my pet gets injured in an accident are they covered?
• Should I put collision coverage on all my vehicles?
• Why am I be forced to buy a membership to get insurance from some companies?
• Can my teen driver be rated on a liability-only vehicle?
• Does my personal policy cover me when driving out-of-state?
• Is my trailer covered?
• Am I better off with higher deductibles on my 2014 Dodge Ram Pickup 3500?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete your zip code.

Parts of your auto insurance policy

Knowing the specifics of auto insurance can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Liability coverage

Liability coverage protects you from damage that occurs to a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, funeral expenses, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, funeral costs, surgery and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your Ram Pickup 3500 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle, colliding with a tree, crashing into a ditch and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

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

Comprehensive coverage protects against things such as fire damage, damage from getting keyed, hitting a deer, falling objects and a broken windshield. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2014 Dodge Ram Pickup 3500.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.