2021 Dodge Ram Pickup 3500 Car Insurance Cost in 2024 – 10 Tricks for Best Prices

If you’re looking for lower-cost insurance online, are you intimidated by the wide range of insurance coverage companies that you can choose from? Lot’s of other drivers are too. Consumers have such a large number of options that it can easily become a real challenge to find better prices.

Pay discount rates with these ten discounts

Some providers don’t necessarily list all available discounts in an easy-to-find place, so the list below contains both the well known and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

• Low Mileage Discounts – Fewer annual miles on your Dodge can qualify you for cheaper prices.
• Accident Waiver – This one isn’t a discount, but certain companies may permit one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
• Auto/Home Discount – If you can combine your homeowners and auto policy with one insurance company they may give you a discount of as much as 10 to 15 percent.
• Paperless Signup – Certain larger companies may give you up to $50 for buying your policy on their website.
• Data Collection Discounts – Insureds who allow driving data collection to track their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
• Theft Prevention Discount – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
• Senior Discount – Seniors are able to get reduced rates on Ram pickup coverage.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
• Safety Restraint Discount – Buckling up and requiring all passengers to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
• No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared with frequent claim filers.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, you’re out of luck.

If you would like to see a list of providers that offer discounts, enter your zip code here.

Your situation helps dictate your coverage

When choosing the best insurance coverage coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether your personal situation would benefit from professional advice.

• Are all vehicle passengers covered by medical payments coverage?
• Is my teen driver covered when they drive my company car?
• Is my teenager covered with friends in the car?
• Does my insurance cover a custom paint job?
• Am I missing any policy discounts?
• I have health insurance so do I need medical payments coverage?
• Do I have coverage when using my vehicle for my home business?
• Am I covered when driving in Canada or Mexico?
• What is the difference between comprehensive and collision coverage?
• If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Insurance coverages explained

Having a good grasp of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Liability

This coverage provides protection from injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, emergency aid, structural damage and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills such as dental work, rehabilitation expenses, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage covers damage to your Ram Pickup 3500 resulting from a collision 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 crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Save your cold hard cash

Insureds change insurance companies for any number of reasons including policy non-renewal, not issuing a premium refund, poor customer service or even questionable increases in premium. Regardless of your reason, switching companies is not as difficult as it may seem.

Lower-priced 2021 Dodge Ram Pickup 3500 insurance can be bought from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. A few companies don’t offer online price quotes and many times these regional carriers only sell through independent insurance agents.

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage and discovered at claim time that it was a big mistake. The aim is to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.