Lower Your 2010 Dodge Ram Pickup 3500 Car Insurance Rates

Looking for cheaper insurance rates for your Dodge Ram Pickup 3500? I can’t think of anyone who looks forward to paying for insurance, particularly when the price is too high.

With consumers having so many choices of insurance companies, it can be impossible to pick the cheapest insurer.

Shopping for affordable auto insurance coverage can be fairly easy. Basically, every driver who buys auto insurance will be able to cut their insurance bill. But vehicle owners must learn how insurance companies price insurance differently and take advantage of how the system works.

Take advantage of discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. A few discounts will automatically apply when you quote, but some must be specifically requested prior to receiving the credit.

  • Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.
  • College Student – Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • No Claims – Claim-free drivers pay much less when compared to drivers who are more careless.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Ram pickup coverage than their less cautious counterparts.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Passive Restraints – Vehicles equipped with air bags can get savings up to 30%.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will cut the cost of coverage.

Insurance companies who might offer some of the above discounts include:

Double check with each company how you can save money. Some discounts may not be available in your state.

How to know if you need help

When choosing the best car insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Is pleasure use cheaper than using my 2010 Dodge Ram Pickup 3500 to commute?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is roadside assistance coverage?
  • What are the financial responsibility laws in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Which is better, split liability limits or combined limits?
  • When can I cancel my policy?
  • I don’t drive much so do I pay less?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverages

Understanding the coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

Auto collision coverage

This coverage will pay to fix damage to your Ram Pickup 3500 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for doctor visits, X-ray expenses, surgery, hospital visits and funeral costs. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, falling objects, theft, vandalism and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays 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 carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability coverage

Liability coverage will cover damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, bail bonds and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Quote more, save more

Budget-conscious 2010 Dodge Ram Pickup 3500 insurance can be bought both online and with local insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We just covered many ideas to get a better price on insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest priced insurance coverage comes from the least-expected company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

Much more information about insurance coverage can be found on the following sites: