1997 Dodge Ram Pickup 3500 Insurance Cost

Want the cheapest car insurance rates for your Dodge Ram Pickup 3500? Trying to find the cheapest insurance for your Dodge Ram Pickup 3500 could be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to price shop coverage for a Dodge and find the lowest possible price.

The method we recommend to compare policy rates is to take advantage of the fact most of the larger companies pay for the opportunity to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details like what your job is, if you require a SR-22, whether you are married, and driver ages. Your details is then submitted to many of the top insurers and they return cost estimate very quickly.

To check rates for your car now, click here and see if a lower rate is available.

Slash your auto insurance rates with discounts

Not too many consumers would say auto insurance is affordable, but there could be significant discounts that you may not know about. Many of these discounts will be applied automatically when you get a quote, but occassionally some discounts must be inquired about before you get the savings.

• Theft Prevention System – Cars and trucks with anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance coverage quote.
• Discount for Swiching Early – A few larger companies give discounts for signing up prior to the expiration date on your current policy. Ten percent is about the average savings.
• Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
• Auto/Home Discount – When you combine your auto and homeowners insurance with one insurance company you may save at least 10 to 15 percent or more.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
• Senior Citizen Rates – Seniors can get lower premium rates on Ram pickup coverage.
• Good Student – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Own a Home and Save – Owning a house can get you a discount because it means you have a higher level of financial diligence.
• Service Members Pay Less – Being on active deployment in the military could be rewarded with lower prices.
• Drive Safe and Save – Safe drivers may receive a discount up to 45% on Ram pickup coverage as compared to drivers with claims.

It’s important to understand that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, it just doesn’t work that way.

Companies and some of their more popular discounts are included below.

• Geico includes discounts for anti-theft, multi-policy, membership and employees, emergency military deployment, federal employee, and daytime running lights.
• USAA may have discounts that include good student, military installation, safe driver, annual mileage, loyalty savings, multi-vehicle, and new vehicle.
• Progressive offers discounts including multi-vehicle, homeowner, online signing, continuous coverage, multi-policy, and online quote discount.
• American Family policyholders can earn discounts including good driver, defensive driver, Steer into Savings, good student, TimeAway discount, and multi-vehicle.
• Esurance may include discounts for renters, Switch & Save, safety device, anti-theft, and defensive driver.
• Farmers Insurance has discounts for distant student, switch companies, mature driver, multi-car, teen driver, and alternative fuel.
• State Farm offers discounts for student away at school, accident-free, defensive driving training, good driver, driver’s education, and Drive Safe & Save.

If you need cheap insurance coverage quotes, ask every prospective company how you can save money. Some of the earlier mentioned discounts might not be offered everywhere.

You are unique and your insurance coverage should be too

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

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

• When would I need additional glass coverage?
• Where can I find DUI or SR-22 insurance?
• When does my teenage driver need to be added to my policy?
• Does my insurance cover a custom paint job?
• How can I force my company to pay a claim?
• What is high-risk coverage and where do I buy it?
• Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Insurance prices are influenced by these factors

Part of the insurance buying process is learning the different types of things that help calculate the rates you pay for insurance. When you know what positively or negatively determines premiums, this enables informed choices that can help you get big savings.

• Teenage drivers pay high premiums – Youthful drivers have a tendency to be inattentive and easily distracted behind the wheel and because of this, their insurance rates are much higher. If you’ve ever had to add a young driver to your insurance policy will cause a huge premium hike. More mature drivers are proven to be safer behind the wheel, are lower risk to insure , and usually have better credit.
• Deter theft and save – Selecting a car model with a theft deterrent system can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
• Do you have a tough employer? – Occupations like real estate brokerspolice officers and emergency personnel tend to have higher premium rates because of high stress and lots of time spent at work. On the other hand, careers like actors, athletes and retirees generally pay rates lower than average on Ram pickup coverage.
• Big cities mean more claims – Having an address in small towns and rural areas has definite advantages when it comes to insurance. Lower population corresponds to lower accident rates and also fewer theft and vandalism claims. Drivers who live in large cities have more aggressive driving styles and longer commute times. More time commuting translates into higher accident risk.
• Liability coverage is critical – Your policy’s liability coverage will protect you if you are determined to be liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so buy as much as you can afford.
• Proper usage rating affects prices – The more you drive your Dodge in a year the higher your rates will be. Most insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates than those that get driven frequently. It’s a smart idea to ensure your declarations sheet correctly shows the correct driver usage, because it can save money. Having the wrong rating on your Ram Pickup 3500 is just wasting money.

Don’t be fooled by advertising claims

Consumers can’t escape the ads for the lowest price car insurance by Progressive, Geico, Allstate and State Farm. All the companies advertise claims that you’ll save big if you change your policy.

Is it even possible that every company can claim to save you money? It’s all in the wording.

Many companies have a certain “appetite” for the type of customer that will add to their bottom line. For example, a profitable risk profile could be over the age of 45, has a clear driving record, and drives a vehicle with a low ISO rating. Any new insured that hits that “sweet spot” receives the best premium rates and will most likely save some money.

Drivers who do not match those standards will get more expensive rates which leads to the customer not purchasing. The ads say “drivers who switch” not “all people who quote” save that much money. This is how insurance companies can confidently make claims like that. Different companies use different criteria so you should get insurance coverage quotes from several different companies. Because you cannot predict with any certainty which company will provide the lowest premium rates.

Insurance policy coverages for a Dodge Ram Pickup 3500

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, hitting a bird and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as bail bonds, attorney fees, structural damage, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

Collision insurance covers damage to your Ram Pickup 3500 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Dodge Ram Pickup 3500.

Because many people 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.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills like surgery, EMT expenses, chiropractic care and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Final thoughts

Throughout this article, we presented many ideas to save on 1997 Dodge Ram Pickup 3500 insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates come from an unexpected company.

Insureds switch companies for a variety of reasons including questionable increases in premium, poor customer service, policy non-renewal and even denial of a claim. Whatever your reason, choosing a new insurance company can be less work than you think.

Discount 1997 Dodge Ram Pickup 3500 insurance can be bought from both online companies in addition to many insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. Some insurance companies don’t offer price quotes online and many times these smaller companies work with local independent agencies.

More tips and info about insurance is available in these articles:

• Auto Theft Statistics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Prom Night Tips for Teen Drivers (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)