How Much Does 2000 Dodge Ram Pickup 3500 Insurance Cost?

Nobody I know looks forward to paying for insurance, especially when they know they are paying too much.

Multiple car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest cost out there.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Buying car insurance is not that difficult. But car owners need to learn the way companies determine prices and take advantage of how the system works.

How to buy car insurance

Shopping for lower car insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You could waste a few hours talking to agents in your area, or you can utilize online quoting to quickly compare rates.

Most major companies enroll in a system that allows shoppers to enter their coverage request one time, and each company can provide price quotes based on that data. This saves time by eliminating quotation requests to each individual car insurance company.

To compare pricing click to open in new window.

The one downside to getting quotes like this is you are unable to specify which carriers to get pricing from. If you prefer to choose specific insurance companies to compare prices, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure you’re using the exact same deductibles and coverage limits on every quote you get. If you have different limits and deductibles on each one it will be very difficult to make a fair rate comparison. Quoting even small variations in coverages may result in a large different in cost. And when price shopping your coverage, comparing more rates from different companies helps you find the best offered rates. Not every company does prices over the internet, so it’s important to compare prices from the smaller companies as well.

Reduce your insurance rates with discounts

Insurance is easily one of your largest bills, but there are discounts available that may help make it more affordable. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be asked for prior to getting the savings. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

• Seat Belts Save – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy some life insurance too.
• College Student Discount – Kids who are attending college without a vehicle on campus may qualify for this discount.
• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
• Good Student – Being a good student may save as much as 25% on a auto insurance quote. You can use this discount normally well after school through age 25.
• 55 and Retired – Drivers over the age of 55 could receive reduced rates on Ram pickup insurance.
• Drive Less and Save – Maintaining low annual mileage may allow you to get discounted premium rates on garaged vehicles.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts should definitely cut the cost of your policy.

A few popular companies and the discounts they provide can be found below.

• State Farm may offer discounts for good driver, Drive Safe & Save, multiple autos, multiple policy, anti-theft, and passive restraint.
• Geico policyholders can earn discounts including driver training, multi-policy, membership and employees, daytime running lights, and defensive driver.
• Liberty Mutual may include discounts for multi-policy, new graduate, newly retired, preferred payment discount, newly married, and hybrid vehicle.
• The Hartford offers discounts for vehicle fuel type, defensive driver, air bag, good student, and driver training.
• MetLife offers premium reductions for good student, claim-free, multi-policy, defensive driver, accident-free, good driver
• Progressive may have discounts that include multi-vehicle, online quote discount, continuous coverage, multi-policy, good student, online signing, and homeowner.

Check with every prospective company how many discounts you can get. Some credits may not apply to policies in your area. For a list of providers with discount insurance rates, click this link.

You are unique and your auto insurance should be too

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions might help in determining whether or not you may require specific advice.

• Is there coverage for injuries to my pets?
• Why do I need rental car insurance?
• Should I rate my 2000 Dodge Ram Pickup 3500 as pleasure use or commute?
• Am I covered when delivering products for my home-based business?
• Am I covered when using my vehicle for business?
• Do I need roadside assistance coverage?
• Is my business laptop covered if it gets stolen from my vehicle?
• How do I file an SR-22 for a DUI in my state?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is rental equipment covered for theft or damage?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance 101

Knowing the specifics of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on most car insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hail damage and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as funeral costs, surgery, chiropractic care, EMT expenses and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Coverage for liability

This will cover damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Ram Pickup 3500 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.