Cheap 2015 Dodge Ram Pickup 3500 Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 3, 2024

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Trying to find cheaper car insurance rates? Buyers have many options when searching for affordable Dodge Ram Pickup 3500 insurance. You can either waste hours calling around getting price quotes or utilize the internet to compare rates. There are both good and bad ways to find car insurance online so we’re going to tell you the proper way to quote coverages on a Dodge and obtain the cheapest rates either online or from local insurance agents.

Compare quotes for insurance

There are a lot of ways to shop for insurance, but there is one way that is more efficient than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most major companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company can give them a price based on the submitted data. This prevents consumers from doing quotation requests for every insurance company.

To use this form to compare rates enter your zip code here.

One minor caveat to comparing rates this way is you are unable to specify the insurers to receive prices from. So if you want to choose from a list of companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click to enter zip code.

Whichever method you choose, ensure you’re using exactly the same coverages for each quote you get. If you compare mixed coverages it will be very difficult to truly determine the lowest rate.

Cheaper rates with these discounts

The price of auto insurance can be rather high, but companies offer discounts that could help you make your next renewal payment. Many discounts should be triggered at the time of purchase, but once in a while a discount must be requested specifically before you will receive the discount.

  • More Vehicles More Savings – Insuring all your vehicles with one company can reduce the rates for all insured vehicles.
  • Driver Training Discounts – Taking part in a defensive driving class could possibly earn you a 5% discount depending on where you live.
  • Anti-theft Discount – Vehicles with anti-theft systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
  • Life Insurance – Not all insurance companies offer life insurance, but some may give you lower premium rates if you buy a life insurance policy as well.
  • Good Grades Discount – Being a good student can earn a discount of 20% or more. Most companies allow this discount up to age 25.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Professional Organizations – Affiliation with qualifying clubs or civic groups is a good way to get lower rates when shopping for auto insurance.
  • Sign Early and Save – Some insurance companies provide a discount for buying a policy before your current policy expires. You could save around 10% when you buy car insurance online.

We need to note that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

Companies and some of the premium reductions they offer are:

  • State Farm may have discounts that include good student, accident-free, driver’s education, passive restraint, Drive Safe & Save, and defensive driving training.
  • American Family includes discounts for early bird, good driver, air bags, accident-free, multi-vehicle, and mySafetyValet.
  • GEICO offers discounts for membership and employees, good student, military active duty, seat belt use, and multi-policy.
  • 21st Century may offer discounts for student driver, good student, defensive driver, early bird, and homeowners.
  • Progressive may include discounts for multi-policy, online signing, multi-vehicle, continuous coverage, online quote discount, and homeowner.

It’s a good idea to ask each company which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your state. For a list of insurers with the best discounts, enter your zip code here.

Car insurance can be complex

When it comes to choosing coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • How can I get high-risk coverage after a DUI?
  • Am I covered if hit by an uninsured driver?
  • Can I get a multi-policy discount?
  • Will my insurance pay for OEM parts?
  • Is rental equipment covered for theft or damage?
  • Am I covered when driving someone else’s vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when driving on a suspended license?
  • How much can I save by bundling my policies?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and can help protect your family.

Eight things that influence your insurance premiums

Lots of factors are considered when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other factors are more obscure such as your credit history or your financial responsibility. An important part of buying insurance is that you know the rating factors that help determine your premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that can help you get better insurance rates.

  • Gender and insurance – Statistics demonstrate that females tend to be a little less risky than males. Now that doesn’t mean men are worse drivers. They both are in at-fault accidents at about the same rate, but men have accidents that have higher claims. They also get ticketed for serious violations such as reckless driving. Males from age 16 to 21 are the most expensive to insure so it costs more to insure them.
  • Raise physical damage deductibles and save – Deductibles for physical damage represent how much money you are required to pay if a claim is determined to be covered. Physical damage protection, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply could be a windshield broken by a bird, hail damage, or theft of your vehicle. The more money you have to pay, the lower your rates will be on Ram pickup insurance.
  • Save money by eliminating incidental coverages – There are a ton of optional add-on coverages that can add up if you don’t pay attention. Insurance for things like roadside assistance, death and dismemberment, and extra life insurance coverage may be costing you every month. They may seem like a good idea when deciding what coverages you need, but if you have no use for them get rid of them and save.
  • Where do you drive? – The higher the miles on your Dodge in a year the more you will pay for insurance. A lot of companies price each vehicle’s coverage based upon how much you drive. Autos that have low annual miles cost less to insure than those used for commuting. It’s always a good idea to double check that your insurance policy correctly shows the proper vehicle usage, because it can save money. An improperly rated Ram Pickup 3500 may be wasting your money.
  • Don’t skimp on liability protection – The liability coverage on your policy is the coverage that protects you when you are found liable for damages caused by your negligence. It provides legal defense coverage to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Cars with good safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and fewer injuries means less claims paid and lower rates for you.
  • Driver age impacts costs – Youthful drivers have been known to be more careless when driving with friends therefore insurance rates are much higher. Adding a teenage driver to your policy can increase premiums substantially. Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims and receive fewer citations.
  • Rates can drop if you have more than one policy – Lots of insurance companies provide a discount to customers that purchase more than one policy in the form of a multi-policy discount. Discounts can be ten percent or more. If you currently are using one company, consumers should still check prices from other companies to help ensure you have the lowest rates. There is a chance you can find a better deal by buying from different companies.

Advertising and insurance

Consumers get pounded daily by advertisements that promise big savings for switching by companies like Progressive, GEICO, Allstate and State Farm. All the ads try to convey promises of big savings if you change your insurance policy to them.

How does each company save you money?

Most companies require specific criteria for the type of customer that will generate a profit. A good example of this type of risk profile might have to be over the age of 35, has had continuous coverage, and drives a lower-performance vehicle. Someone who matches that profile will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t qualify for the ideal profile will probably be forced to pay higher premium rates which translates to the prospect going elsewhere. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can lure you into getting a quote. This emphasizes why drivers should compare rate quotes every year. It’s just not possible to know which company will give you lower prices than your current company.

Car insurance 101

Having a good grasp of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Auto liability

This protects you from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things such as pain and suffering, emergency aid, loss of income, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive car insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, hospital visits, funeral costs and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

More quotes mean more savings

Some insurance companies do not provide price quotes online and most of the time these small, regional companies sell through local independent agents. Lower-priced 2015 Dodge Ram Pickup 3500 insurance is available online and also from your neighborhood agents, so you need to compare both in order to have the best price selection to choose from.

People who switch companies do it for many reasons like delays in paying claims, delays in responding to claim requests, not issuing a premium refund or being labeled a high risk driver. It doesn’t matter what your reason, finding a great new company can be pretty painless.

We just presented a lot of techniques to save on 2015 Dodge Ram Pickup 3500 insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

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