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.

Comments About 1994 Dodge Ram Pickup 3500 Insurance

  1. Shaun Mcleod

    If you have a good history and are close to Frederick, MD, check out GEICO. They seem to be cheaper. I have several vehicles insured with them. Get lots of quotes to find the best rate.

  2. Colton Mcknight

    Where is cheaper car insurance? From Aberdeen, South Dakota. Quoted prices from GEICO, American Family, and some I forget for my 1994 Dodge Ram Pickup 3500 and am saving around $90 a year. Was with Eastwood. I think they have home insurance too. I quoted rates online then called them. Just liability coverage since it’s getting old.

  3. Sharon Rutledge

    Hope my car insurance gets cheaper. I’m just east of Billings, MT. I quoted with Allstate, AIG Insurance, Encompass, and Hanover for my 1994 Dodge Ram Pickup 3500 and saved $109 a year. Left The General to switch. I have several vehicles insured with them. I don’t put full coverage on it.

  4. Marquetta Benson

    Here’s my info. Checking in from Salem, OR. Went online for free insurance quotes for a 1994 Dodge Ram Pickup 3500. Ended up at about $120 savings annually. Went with Progressive. Insured with Erie before. Bought it from an online quote.

  5. Abel Mcdonald

    I found pretty cheap rate quotes for a 1994 Dodge Ram Pickup 3500 in Biloxi, MS. Ended up at right around $120 every six months with Auto-Owners. Insured with Mercury before. My Dodge doesn’t have full coverage.

  6. Ariane Lindsay

    Live in New York City, New York. I got free prices from Amica, Erie, and MetLife for my 1994 Dodge Ram Pickup 3500 and saved just over $70 a year. Left Sentry to switch. I increased coverages a little too. Online quotes are the way to go. I just carry liability insurance.

  7. Nanci Cooley

    I found pretty cheap rate quotes for a 1994 Dodge Ram Pickup 3500 in Provo, UT. Ended up at darn near $120 every six months with AAA. Was with GMAC. I’m a pretty low risk driver. Just waiting to see how claims go.

  8. Fumiko Buck

    Not sure what I should be paying. From northwest of Indianapolis, Indiana. I got free quotes with Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my Ram Pickup 3500 and saved just over $90 a year.

  9. Pauline Kramer

    21st Century is pretty cheap in Arizona! :)

  10. Andre Ware

    If you’re a decent driver and live around Boise, ID, check out 21st Century. They seem to be cheaper. Highly recommended. I don’t insure for physical damage though.

  11. Jannette Leon

    Affordable car insurance is a myth. Live in the southern part of San Antonio, TX. Got car insurance quotes with Mercury, Esurance, GEICO, and American Family for my Ram Pickup 3500 and I think I saved around $20 each month. Insured with AIG Insurance before. God forbid I actually have a claim. Liability only on my Ram Pickup 3500.

  12. Librada Rutledge

    Here’s my info. Found cheapest coverage with Farmers for my 1994 Dodge Ram Pickup 3500 and cut my rates about $90 a year. Insured with American Family before. I used their website to get prices. Next renewal I’ll just do liability.