1999 Dodge Ram Pickup 3500 Insurance Rates

Finding cheaper insurance for your Dodge Ram Pickup 3500 can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to save time.

There are both good and bad ways to compare insurance coverage rates and we’ll show you the absolute fastest way to quote coverages for your Dodge and find the cheapest rates either online or from local insurance agents.

It’s a great practice to quote other rates as often as possible because insurance prices are adjusted regularly by insurance companies. Just because you found the best deal for Ram pickup coverage on your last policy there is a good chance you can find better premium rates now. You can find a lot of misleading information regarding insurance coverage online but we’re going to give you some good information on how to quit paying high insurance coverage rates.

How to get low cost insurance

Getting a cheaper price on 1999 Dodge Ram Pickup 3500 insurance is not a difficult process. The only requirement is to invest a few minutes comparing free insurance quotes from some recommended companies. Insurance prices can be quoted by using one of the methods below.

The fastest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating separate quotation requests for every company. One quote request compares rates from multiple companies. Recommended for those who want to invest the least amount of time.

A harder way to shop for insurance online requires you to visit the website of each company and request a quote. For sake of this example, let’s assume you are doing a rate comparison from Farmers, Esurance and Progressive. To get rate quotes you would need to visit each site and repeatedly type in your coverage information, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just make darn sure you compare apples-to-apples information for each quote you get. If each company quotes higher or lower deductibles it’s impossible to make a fair rate comparison.

Are you earning every discount?

Some companies don’t necessarily list the complete list of policy discounts very well, so the list below contains both well-publicized and the harder-to-find credits available to bring down your rates.

• Telematics Devices – Drivers who agree to allow companies to study when and where they use their vehicle by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if their driving habits are good.
• Government Employee Discount – Employees or retirees of the government could provide a small rate reduction for Ram pickup coverage with certain companies.
• Organization Discounts – Joining specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for car insurance.
• Smart Student Discounts – This discount could provide a savings of up to 20% or more. This discount can apply up to age 25.
• 55 and Retired – Seniors may receive better car insurance rates for Ram pickup coverage.
• Braking Control Discount – Cars and trucks with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
• Driver Training Discounts – Successfully completing a class that teaches defensive driver techniques is a good idea and can lower rates if your company offers it.
• Good Driver Discounts – Safe drivers may save up to 50% more for Ram pickup coverage as compared to drivers with claims.
• Own a Home and Save – Owning your own home or condo can save a few bucks because maintaining a house is proof of financial responsibility.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you could get a free car insurance policy, you’re out of luck.

Companies that may have some of the discounts shown above may include but are not limited to:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

Double check with every company which credits you are entitled to. Some discounts may not apply in your state.

Why smart buyers pay less for Dodge Ram Pickup 3500 insurance

The best way to find cheaper insurance is to take a look at the factors that aid in calculating your premiums. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower insurance prices. Many factors are considered when quoting car insurance. Some are pretty understandable like your driving record, but other factors are less apparent such as your credit history or how safe your car is.

• How your age affects premiums – Teen drivers tend to be more careless when behind the wheel so insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents , and are generally more financially stable.
• Insurance rates and employer – Did you know your insurance rates can be affected by your occupation? Careers like lawyers, executives and dentists tend to have higher rates than average in part from intense work situations and lengthy work days. On the flip side, careers like farmers, students and retirees receive lower rates for Ram pickup coverage.
• Drivers with responsible credit save – Having a bad credit score can be a huge factor in calculating your premium rate. Therefore, if your credit leaves room for improvement, you could pay less to insure your 1999 Dodge Ram Pickup 3500 if you improve your credit rating. Insureds that have very good credit scores tend to be better drivers and file fewer claims than drivers who have lower ratings.
• Costs can change based on your address – Residing in small towns and rural areas can save you money when insuring your vehicles. Fewer drivers on the road means less chance of accidents and a lower car theft rate. Drivers in populated areas tend to have more traffic problems and much longer commute distances. More time on the road means higher likelihood of an accident.
• Cheaper insurance rates with safer cars – Cars with five star safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
• Pay more by driving carelessly – A bad driving record influences premium rates substantially. Drivers who don’t get tickets get better rates than bad drivers. Having a single ticket can boost insurance rates substantially. Drivers unfortunate enough to have careless violations like DUI, reckless driving or excessive speeding are required to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.

When in doubt talk to an agent

When buying adequate coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

• Am I covered if I drive in a foreign country?
• Do I have coverage when pulling a U-Haul trailer?
• Can I drive in Mexico and have coverage?
• Is my teenager covered with friends in the car?
• Is motorclub coverage worth it?
• Should I put collision coverage on all my vehicles?
• What is the minimum liability in my state?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Does car insurance advertising bend the truth?

Consumers constantly see and hear ads that promise big savings by Progressive, Geico, Allstate and State Farm. They all convey the message that drivers will save a bundle if you change your policy.

It sounds good, but how can they all charge you less for auto insurance? You have to listen carefully.

Insurance companies provide the lowest rates for the type of customer that will be a good risk. A good example of this type of risk profile may need to be a female over age 40, has few claims, and the vehicle is rated for pleasure use. Someone that matches those criteria will most likely get cheap rates and will probably cut their rates substantially.

Insureds who fall outside this ideal profile will have to pay higher premium rates which translates to the customer buying from a different company. The ad wording is “customers that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can confidently lure you into getting a quote.

This illustrates why it’s extremely important to do a price quote comparison at every renewal. You cannot predict which car insurance company will be your best fit.

Specifics of your insurance policy

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision coverage pays for damage to your Ram Pickup 3500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, sustaining damage from a pot hole, crashing into a ditch, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, a broken windshield, damage from a tornado or hurricane, fire damage and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, surgery, funeral costs, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Buy online or local, you save

In this article, we covered many ways to shop for 1999 Dodge Ram Pickup 3500 insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a lesser-known regional company.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage and discovered at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

People who switch companies do it for a variety of reasons including delays in paying claims, policy non-renewal, delays in responding to claim requests and being labeled a high risk driver. It doesn’t matter why you want to switch finding a new insurance company can be less work than you think.

For more information, feel free to visit the resources below:

• Medical Payments Coverage (Liberty Mutual)
• Determing Auto Insurance Rates (Geico)
• Safety Belts FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)