2016 Dodge Ram Pickup 3500 Insurance Rates in 2024

Buyers have a choice when searching for affordable Dodge Ram Pickup 3500 insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates. There is a better way to shop for insurance coverage so we’re going to tell you the quickest way to compare rates for your Dodge and find the cheapest rates from local insurance agents and online providers.

It’s a good habit to check insurance coverage prices periodically because insurance coverage prices fluctuate regularly. Even if you got the best rates for Ram pickup coverage six months ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the easiest way to buy cheaper insurance coverage.

How to buy car insurance online

Cutting your car insurance rates is surprisingly easy. All that’s required is to spend a few minutes on the computer to compare rate quotes to discover which company has cheaper insurance quotes. You can get a good selection of rate quotes in several different ways.

1. The easiest and least time consuming way to get quotes is to use a rate comparison form. This quick form keeps you from doing separate forms for each company you want a rate for. One form submission will return quotes from several companies. Recommended for those who want to invest the least amount of time.
2. Another way to get quotes online requires a visit to each company website to complete a price quote. For examples sake, let’s assume you want to get rates from Liberty Mutual, Esurance and American Family. To get rate quotes you would need to navigate to each company’s site and repeatedly enter your information, and that’s why the first method is more popular.

You can use whichever method you prefer to find lower rates, just make sure you compare apples-to-apples coverage limits with each company. If each company quotes different values for each quote it will be next to impossible to determine the best price for your Dodge Ram Pickup 3500.

Discounts for cheap insurance rates

Companies offering auto insurance don’t necessarily list the entire discount list in an easy-to-find place, so we researched some of the more common in addition to some of the lesser obvious discounts that may be available. If they aren’t giving you every credit possible, it’s possible you qualify for a lower rate.

• Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease for Ram pickup coverage depending on your insurance provider.
• Telematics Discount – People who choose to allow their insurance company to monitor where and when they drive by installing a telematics device such as Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• First Accident Forgiveness – but companies like Allstate and State Farm permit an accident before raising your premiums so long as you are claim-free for a specific time period.
• College Student Discount – who are enrolled in a college that is more than 100 miles from home and do not take a car to college could get you a discount.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.

Consumers should know that most credits do not apply to the whole policy. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

To locate companies that offer multiple discounts, enter your zip code here.

You may need specialized car insurance coverage

When buying proper insurance coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that might help in determining if you might need professional guidance.

• If my pet gets injured in an accident are they covered?
• Am I covered when driving in Canada or Mexico?
• Should I buy full coverage?
• If my 2016 Dodge Ram Pickup 3500 is totaled, can I afford another vehicle?
• Will my rates increase for filing one claim?
• What is the difference between comprehensive and collision coverage?
• Will my insurance pay for OEM parts?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Find lower-cost auto insurance with these tips

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help determine your auto insurance rates. If you have some idea of what determines base rates, this empowers consumers to make smart changes that can help you get lower auto insurance prices.

• Raising deductibles lowers prices – Comp and collision deductibles are how much you are required to pay if a covered claim is submitted. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are rear-ending another vehicle, animal collisions, and having a roll-over accident. The higher the amount you have to pay, the bigger discount you will receive for Ram pickup coverage.
• Vehicles with better crash test results save money – Vehicles with good safety scores tend to be cheaper to insure. Vehicles built for safety protect occupants better and fewer injuries translates directly to fewer claims passed on to you as lower rates.
• Use but don’t abuse your insurance – Insurance companies give the lowest premiums to policyholders who do not file claims often. If you file a lot of claims you can look forward to either higher rates or even cancellation. Insurance coverage is intended for claims that pose a financial burden.
• Credit history impacts premium prices – Credit score is a large factor in determining what you pay. Insureds with high credit ratings tend to be better drivers and file fewer claims than those with poor credit scores. If your credit can be improved, you may save money insuring your 2016 Dodge Ram Pickup 3500 if you improve your credit rating.
• Does auto insurance cost less for females? – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both tend to get into at-fault accidents at about the same rate, but the males cause more damage. Men also get cited for more serious violations like driving under the influence (DUI).
• Deter theft and pay less – Driving a car with a theft deterrent system can save you some money. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
• Does your occupation raise your prices? – Occupations such as doctors, airline pilots and accountants have the highest average rates because of intense work-related stress and long work days. On the flip side, careers like actors, historians and homemakers pay the least for Ram pickup coverage.
• Discounts for multiple policies – Most larger auto insurance companies will give lower prices to clients that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you’re getting this discount drivers will still want to compare other company rates to help ensure you have the lowest rates.

Auto insurance coverage information

Knowing the specifics of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses like rehabilitation expenses, nursing services, X-ray expenses, surgery and hospital visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 3500.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverage – Collision coverage pays for damage to your Ram Pickup 3500 resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, rolling your car, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, hail damage and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

In Summary

When searching for low cost insurance quotes, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We’ve covered quite a bit of information on how to compare 2016 Dodge Ram Pickup 3500 insurance rates online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a small mutual company.

Some companies don’t offer online price quotes and usually these small, regional companies only sell coverage through local independent agencies. Lower-priced car insurance is possible online and from local insurance agents, and you need to comparison shop both to have the best rate selection.