2001 Dodge Ram Pickup 3500 Car Insurance Cost

Looking for better insurance coverage rates for your Dodge Ram Pickup 3500? Scraping up a payment for pricey Dodge Ram Pickup 3500 insurance can take a big chunk out of your checking account and possibly require you to analyze your spending habits. Comparing rate quotes is a smart way to tighten up your finances.

Having so many options when it comes to insurance coverage, it is hard for the average consumer to locate the cheapest insurer.

Do you qualify for discount car insurance?

Car insurance companies do not list every discount they offer in an easy-to-find place, so below is a list a few of the more common and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • Discount for Multiple Policies – If you can bundle your home and auto insurance with one insurance company they may give you a discount of as much as 10 to 15 percent.
  • Switch and Save Discount – Some larger companies reward drivers for renewing your policy early. This can save 10% or more.
  • Claim Free – Insureds with no claims or accidents pay less when compared with drivers with a long claim history.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Ram pickup insurance.
  • Telematics Data Discounts – Drivers who agree to allow companies to analyze driving manner through the use of a telematics system such as State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
  • Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Distant College Student Discount – who live away from home at college and do not take a car to college may qualify for this discount.
  • First Accident Forgiveness – Not a discount per se, but some companies like Allstate and State Farm will let one accident slide before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% for Ram pickup insurance as compared to drivers with claims.

Don’t be shocked that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free car insurance policy, you’re out of luck.

To see providers who offer online car insurance quotes, click this link.

How to compare insurance coverage rate quotes

Most larger insurance companies such as Allstate and Progressive make it easy to get prices on their websites. Getting prices online is fairly straightforward as you just type in your coverage information as detailed in the form. After the form is submitted, the quote system will obtain reports for credit and driving violations and returns a price based on the data you entered. Quoting online makes it a lot easier to compare rates but the work required to visit multiple sites and type in the same information is monotonous and tiresome. But it is imperative to do this if you want to find the best price on insurance coverage.

There is a better way to compare rates

The smarter way to locate the lowest prices utilizes a single form to obtain quotes from several companies at one time. This type of form saves time, eliminates form submissions, and makes online quotes much easier to do. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any one of the pricing results.

If a lower price is quoted, you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most and could lower your rates considerably.

To save time and fill out one form to compare multiple rates now, click here to open in new window and complete the simple form. To compare your current rates, we recommend you type in the coverage information as close as possible to your current policy. This helps ensure you will be getting rate comparison quotes based on the exact same insurance coverage.

Learn how to quote insurance coverage cheaper

An important part of buying insurance is that you know some of the factors that help calculate insurance coverage rates. When you know what positively or negatively influences your rates, this enables informed choices that may reward you with cheaper rates.

  • Car and home together may be cheaper – Most larger insurance companies apply better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount consumers should still check prices from other companies to verify if the discount is saving money.There is a chance you can save more without the discount by buying from different companies
  • Driving citations are costly – Your driving record has a huge affect on how much you pay. Having just one citation can increase rates by as much as twenty percent. Drivers with clean records pay lower auto insurance prices compared to bad drivers. Drivers with careless violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to legally drive a vehicle.
  • Married drivers pay lower costs – Having a wife or husband helps lower the price on your policy. Marriage means you’re more responsible and statistics show married drivers get in fewer accidents.
  • Safer cars mean better insurance coverage rates – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety reduce occupant injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders.

What insurance coverages do I need?

When choosing the best insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine if you may require specific advice.

  • Who is covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is rental equipment covered for theft or damage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when driving on a suspended license?
  • What is the rate difference between pleasure use and commuting?
  • Am I getting all the discounts available?
  • Are split liability limits better than a combined single limit?
  • Does coverage extend to Mexico or Canada?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverage considerations

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers 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 should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like vandalism, hitting a deer, a tree branch falling on your vehicle, rock chips in glass and a broken windshield. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – Liability insurance provides protection from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, attorney fees, medical services, structural damage and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage pay for bills for things like hospital visits, ambulance fees, X-ray expenses, dental work and surgery. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Be a smart shopper

Some companies do not provide online rate quotes and usually these small insurance companies provide coverage only through independent insurance agencies. Lower-priced insurance coverage is definitely available both online and also from your neighborhood agents, and you should compare rates from both to have the best rate selection.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

We just showed you quite a bit of information on how to shop for 2001 Dodge Ram Pickup 3500 insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheap insurance coverage. You may even find the best price on insurance coverage is with the smaller companies. Smaller companies can often provide lower premium rates in certain areas compared to the large companies like Allstate or State Farm.

Additional resources

Comments About 2001 Dodge Ram Pickup 3500 Insurance

  1. Verlie Mcdonald

    Affordable car insurance is a myth. Got a quote with Allstate for my Dodge and saved around $90 a year. Ask about discounts. Not sure if rates are cheaper online or not. I’m thinking about dropping full coverage though.

  2. Cletus Hobbs

    GEICO and State Farm had the best prices I found in Kentucky.

  3. Andrea Wolf

    From northwest of Norman, OK. Got rates from GEICO, The General, and Esurance for my Ram Pickup 3500 and saved about $100 a year. A clean driving record helps.

  4. Mui Hebert

    Got a quote with USAA for my Dodge and saved about $110 a year. Left Encompass to switch. I have several vehicles insured with them. :)

  5. Kim Maxwell

    If you have a good history and live near Davenport, IA, check out Allstate. You might get cheaper rates. Insured with MetLife before. I get a discount for insuring multiple vehicles. When should I drop full coverage?

  6. Elmer Lloyd

    Cheapest quote for my 2001 Dodge Ram Pickup 3500 was with Encompass. Insured with Hartford before. Got better coverage too. My Dodge doesn’t have full coverage.

  7. Angle Fields

    I live in a small town just outside of Denver, Colorado. I quoted with The General, AIG Insurance, MetLife, and a couple others for my Dodge and saved just over $80 a year. Insured with MetLife before. I have a couple other vehicles on the policy. I quoted rates online then called them.

  8. Marty Patrick

    Anyone buy from American Family? I’m in Jersey City, NJ.

  9. Dotty Ewing

    Great info, thanks for posting. I live just outside Honolulu, HI. Received quotes from State Farm, Auto-Owners, and some I forget for my 2001 Dodge Ram Pickup 3500 and saved $66 a year. Left Sentry to switch. God forbid I actually have a claim.

  10. Lovetta Santiago

    My 2001 Dodge Ram Pickup 3500 is faster than yours.

  11. Lon Blevins

    Checking in from Shreveport, Louisiana. Quoted with Amica, Safeco, and Travelers for my 2001 Dodge Ram Pickup 3500 and saved $120 a year. God forbid I actually have a claim.