1998 Dodge Ram Pickup 3500 Insurance Cost – 10 Tips for Best Prices

Sick and tired of scraping the payment together to keep your car insured? You are in the same boat as millions of other drivers.

You have multiple insurers to pick from, and even though it’s nice to be able to choose, too many choices makes it more difficult to find the lowest rates.

It’s a great practice to get comparison quotes at least once a year because car insurance prices tend to go up over time. Even if you think you had the best price on Ram pickup insurance last year the chances are good that you can find a lower rate quote today. You can find a lot of misleading information regarding car insurance on the internet, but by reading this article, you’re going to learn some proven techniques to find cheap car insurance.

Low cost insurance coverage

Most major insurance companies like Progressive, Geico, Allstate and State Farm allow you to get coverage prices online. Getting online rates is easy for anyone because you just enter your coverage preferences on the page. After the form is submitted, the company’s rating system pulls your driving and credit reports and returns a price quote based on many factors. Quoting online makes it a lot easier to compare rates but having to visit each company’s website and repetitively type in the same data is a waste of time. But it’s necessary to get many rate quotes if you want to get a better rate.

There is a better way!

The quickest way to find cheaper rates is to use a quote form that gets price quotes from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison a little more enjoyable. After sending the form, it is quoted and you can choose any one of the pricing results.

If a lower price is quoted, you can simply submit the application and buy the policy. It takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and compare rates now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you enter the coverage information exactly as shown on your declarations page. This helps ensure you will get an apples-to-apples comparison based on identical coverages.

Find discounts to get cheap insurance rates

Insurance is not inexpensive, but there could be available discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at quote time, but once in a while a discount must be manually applied before being credited. If you are not receiving all the discounts you qualify for, you may be paying too high a price.

• Discount for Life Insurance – Not all companies offer life insurance, but some may give you lower rates if you buy a life policy as well.
• Onboard Data Collection – Policyholders that allow companies to scrutinize vehicle usage by installing a telematics device such as State Farm’s In-Drive may get a rate reduction if they are good drivers.
• E-sign – Some companies will discount your bill up to fifty bucks for buying your policy over the internet.
• Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
• Low Mileage Discounts – Keeping the miles down on your Dodge could qualify for substantially lower rates.
• Senior Citizen Rates – Mature drivers can possibly qualify for better insurance rates on Ram pickup insurance.
• Claim Free – Drivers with accident-free driving histories have much lower rates as opposed to bad drivers.
• Multiple Policy Discount – If you insure your home and vehicles with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle could qualify for this discount.
• Military Discounts – Having a deployed family member could qualify you for better prices.

One thing to note about discounts is that some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.

A list of insurance companies and some of the discounts are:

• Progressive offers discounts for continuous coverage, online quote discount, multi-vehicle, good student, homeowner, and multi-policy.
• Geico may have discounts that include seat belt use, military active duty, multi-policy, five-year accident-free, air bags, multi-vehicle, and anti-lock brakes.
• State Farm discounts include passive restraint, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, and anti-theft.
• Esurance includes discounts for multi-car, anti-theft, paid-in-full, emergency road assistance, and online quote.
• The Hartford has savings for good student, air bag, anti-theft, vehicle fuel type, and driver training.

When getting a coverage quote, ask all the companies to apply every possible discount. Some discounts listed above might not be offered in your state. To find insurance companies who offer free insurance quotes, click here.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

• Is my 1998 Dodge Ram Pickup 3500 covered for smoke damage?
• Is my teenager covered with friends in the car?
• Should I buy additional glass protection?
• Who is covered by my policy?
• Are my friends covered when driving my car?
• Do I need PIP coverage since I have good health insurance?
• Can my babysitter drive my car?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance in the media

Big name companies like Progressive, Geico, Allstate and State Farm regularly use ads in print and on television. All the companies make an identical promise that people will save if you switch your auto insurance coverage to their company. How does each company give you a lower rate? This is how they do it.

Auto insurance companies offer their best rates for the type of driver that will generate a profit. A good example of this type of insured might be between 25 and 40, has a low-risk occupation, and the vehicle is rated for pleasure use. Anyone who fits that profile will qualify for the lowest prices and most likely will cut their rates substantially.

People who may not quite match the ideal profile will have to pay higher prices which leads to business going elsewhere. The ad wording is “people who switch” not “everyone who quotes” save money. That’s the way companies can truthfully lure you into getting a quote.

This emphasizes why you really need to get insurance coverage quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Specific coverages for a 1998 Dodge Ram Pickup 3500

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

Coverage for liability

This coverage protects you from injuries or damage you cause to other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, pain medications, surgery, ambulance fees and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, theft and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

More comparisons equals lower rates

When shopping online for insurance, do not reduce needed coverages to save money. In many cases, consumers will sacrifice full coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at the best cost.

Throughout this article, we presented some good ideas how to shop for 1998 Dodge Ram Pickup 3500 insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding the cheapest insurance coverage. Consumers may even find the best price on insurance is with a small mutual company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

More affordable insurance is possible from both online companies and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not have the ability to get quotes online and usually these regional insurance providers only sell through independent agencies.

To read more, feel free to browse the following helpful articles:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Who Has the Cheapest Auto Insurance Quotes for a Dodge Ram in Long Beach? (LongBeachInsure.com)
• Who Has the Cheapest New Orleans Car Insurance Rates for a Dodge Ram? (NewOrleansInsure.com)
• Your Car has been Stolen: Now What? (Allstate)
• Teen Driving Statistics (Geico)
• Safe Vehicles for Teens (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)