Lower Your 2019 Dodge Ram Pickup 3500 Car Insurance Rates in 2024

Consumers have many options when looking for the lowest priced Dodge Ram Pickup 3500 insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to compare rates.

There are more efficient ways to find insurance online so you’re going to learn the absolute fastest way to quote coverages on a Dodge and obtain the lowest price from both online companies and local agents.

If you have a current insurance policy or are looking for a new policy, you can use this information to find the best rates and possibly find even better coverage. The purpose of this post is to let you in on the best way to quote coverages and some money-saving tips. Drivers just need to learn the tricks to buy insurance online.

How much does car insurance cost?

There are a lot of ways to compare car insurance quotes, but one way is less time-consuming than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

All the larger companies participate in a marketplace where insurance shoppers submit their information once, and each company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions to each individual car insurance company. To get comparison pricing now enter your zip code here.

One minor caveat to using this type of form is you are unable to specify which providers to get quotes from. So if you want to choose from a list of companies to compare prices, we have assembled a list of low cost car insurance companies in your area. Click to enter zip code for insurance companies.

You can use whichever method you prefer to find lower rates, just be sure to compare the same coverages for each comparison quote. If each company quotes higher or lower deductibles you will not be able to find the best deal for your Dodge Ram Pickup 3500.

Auto insurance is unique, just like you

When it comes to buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether you might need an agent’s assistance.

• Does coverage extend to a rental car in a foreign country?
• Is my Dodge Ram Pickup 3500 covered if I use it for business?
• What can I do if my company won’t pay a claim?
• I have health insurance so do I need medical payments coverage?
• Does having multiple vehicles earn me a discount?
• Do I have coverage for damage caused while driving under the influence?
• Should I sign the liability waiver when renting a car?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out your zip code. It is quick, free and you can get the answers you need.

Auto insurance 101

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision protection

This coverage covers damage to your Ram Pickup 3500 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as hospital visits, prosthetic devices, chiropractic care and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, emergency aid and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

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

Comprehensive coverage protects against things like vandalism, hail damage and damage from a tornado or hurricane. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.