1994 Dodge Ram Pickup 3500 Insurance Cost

Looking for cheaper insurance coverage rates for your Dodge Ram Pickup 3500? Finding cheaper insurance for your Dodge Ram Pickup 3500 can normally be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to buy insurance coverage and we’ll show you the best way to quote coverages for a new or used Dodge and find the best price possible from both online companies and local agents.

You should take the time to get comparison quotes on a regular basis because insurance coverage rates change quite often. Just because you found the lowest premium rates for Ram pickup insurance a few years ago a different company probably has better prices today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

The method we recommend to compare car insurance company rates is to know almost all companies pay for the opportunity to give free rates quotes. The only thing you need to do is give them rating details such as what your job is, the make and model of your vehicles, driver ages, and if you’re married. Your information is then sent to multiple top-rated companies and they return cost estimate very quickly.

To start a quote now, click here and find out if you can get cheaper insurance.

When to get professional advice

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help highlight whether your personal situation might need professional guidance.

• Is my trailer covered?
• Is my dog or cat covered if injured in an accident?
• Should I buy only the required minimum liability coverage?
• Am I getting all the discounts available?
• Will my insurance pay for OEM parts?
• Is my state a no-fault state?
• Are all vehicle passengers covered by medical payments coverage?
• What is the difference between comprehensive and collision coverage?
• How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Parts of your auto insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage 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 damage from a tornado or hurricane, vandalism, a broken windshield, theft and damage from flooding. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage covers damage to your Ram Pickup 3500 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like EMT expenses, chiropractic care and hospital visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Coverage for liability

Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, court costs and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Dodge Ram Pickup 3500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.