Cheap 2003 Dodge Ram Pickup 3500 Insurance Rates

Did a good deal turn into an overpriced insurance coverage policy? Trust us when we tell you you’re not the only one.

Due to the fact that there are so many online and local companies to choose from, it can be challenging to pick the right company.

It’s important to quote other rates before your next renewal because insurance coverage rates are variable and change quite frequently. Just because you had the lowest rate on Ram pickup coverage two years ago the chances are good that you can find a lower price today. Forget all the misinformation about insurance coverage because you’re going to learn how to use the internet to find better rates and still maintain coverage.

The best way we recommend to compare car insurance company rates is to realize all the major auto insurance companies will pay a fee to give free rates quotes. The only thing you need to do is give the companies some data like deductibles desired, your job, your general credit rating, and if the car is leased. That rating data is then sent to multiple insurance coverage providers and you will get price comparisons quickly.

Well known brands might not be cheapest

Companies like Progressive, GEICO, Allstate and State Farm endlessly run ads on television and other media. They all seem to make the promise that people will save just by moving to them. How does each company charge you less for car insurance?

Different companies can use profiling for the type of customer that earns them the highest profit. A good example of this type of risk profile could be between 30 and 50, has never had a claim, and drives a safe vehicle. Anyone who matches that profile will qualify for the lowest rates and will also save when switching.

Consumers who cannot meet this stringent profile will see a higher premium which translates to the driver buying from a lower-cost company. The wording the ads use say “people who switch” but not “everyone who gets a quote” save that much money. That is how companies can advertise the way they do. That is why drivers must compare many company’s car insurance rates. You cannot predict which company will have the best rates.

Why informed consumers pay less for Dodge Ram Pickup 3500 insurance

Multiple criteria are considered when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are not quite as obvious like where you live or how safe your car is.Part of the insurance buying process is learning some of the elements that play a part in calculating your insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that could result in big savings.

The factors shown below are some of the things utilized by car insurance companies to help set prices.

  • Deter vehicle theft – Driving a car with a theft deterrent system can help lower your rates. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
  • Stay claim-free and lower rates – If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Insurance companies generally give most affordable rates to insureds who file claims infrequently. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Tickets and citations cost more than a fine – Your driving citation history impacts your car insurance rates tremendously. Just one citation may increase your cost forty percent or more. Drivers who don’t get tickets get better prices than bad drivers. Drivers who get multiple violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
  • Single drivers take more risk – Your spouse can get you a discount on your insurance policy. It demonstrates that you tend to be more responsible and it’s proven that married drivers get in fewer accidents.

Get cheaper car insurance with discounts

Some insurance providers don’t list the complete list of policy discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known credits available to you. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Active Military Service – Being on active deployment in the military could qualify you for better car insurance rates.
  • Passive Restraint Discount – Vehicles equipped with air bags may qualify for discounts up to 30%.
  • Homeowners Discount – Being a homeowner may trigger a policy discount on car insurance because it is proof that your finances are in order.
  • Telematics Data Discounts – Drivers who elect to allow companies to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
  • Bundle and Save – When you combine your auto and homeowners insurance and insure them both with the same insurance company you may earn up to 20% off your total premium.

Policy discounts save money, but some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

Companies and some of the premium reductions they offer are outlined below.

  • The Hartford may offer discounts for defensive driver, driver training, anti-theft, bundle, good student, air bag, and vehicle fuel type.
  • American Family offers premium reductions for accident-free, air bags, good driver, Steer into Savings, TimeAway discount, mySafetyValet, and multi-vehicle.
  • Progressive offers discounts for online quote discount, good student, online signing, homeowner, and continuous coverage.
  • Travelers may include discounts for new car, multi-policy, payment discounts, continuous insurance, and good student.
  • Farmers Insurance discounts include distant student, business and professional, alternative fuel, switch companies, youthful driver, mature driver, and early shopping.
  • USAA may have discounts that include new vehicle, safe driver, military installation, vehicle storage, and driver training.
  • Liberty Mutual has discounts for new move discount, good student, exclusive group savings, multi-policy, newly retired, and newly married.

When comparing rates, check with all the companies the best way to save money. Some of the discounts discussed earlier might not be offered in every state.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out whether or not you might need an agent’s assistance.

  • Am I covered if my car is in a flood?
  • Am I covered when using my vehicle for business?
  • Can I afford to pay high deductible claims out of pocket?
  • When should I remove comp and collision on my 2003 Dodge Ram Pickup 3500?
  • Do I have coverage when making deliveries for my home business?
  • Does my policy pay for OEM or aftermarket parts?
  • Exactly who is provided coverage by my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverages for a Dodge Ram Pickup 3500

Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Coverage for liability

This coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as medical services, attorney fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, falling objects, a broken windshield, damage from a tornado or hurricane and hitting a deer. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage will pay to fix damage to your Ram Pickup 3500 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like ambulance fees, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Ram Pickup 3500.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Smart shoppers get results

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your goal should be to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

Cheap 2003 Dodge Ram Pickup 3500 insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer rate quotes online and usually these regional insurance providers only sell through independent agents.

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Comments About 2003 Dodge Ram Pickup 3500 Insurance

  1. Mistie Hewitt

    I’m in Pittsburgh, PA and need high risk coverage. Help!

  2. Sanjuana Avery

    If you don’t have tickets and live near Las Cruces, NM, check out Allstate. I saved quite a bit. :P Full coverage costs too much.

  3. Willette Montgomery

    All companies are crooks. I’m just west of Cincinnati, OH. Compared rates from a lot of places. Saved darn near $20 a month. 21st Century was the best choice for me. Left Hartford to switch.

  4. America Wright

    Does GEICO insure at replacement cost?

  5. Brendon William

    Anyone like their agent?

  6. Mei Stein

    It all costs too much. I live in Hartford, Connecticut. Got car insurance prices from Progressive, Liberty Mutual, and Encompass for my Dodge and I’m now saving $25 a month. I recommend comparing lots of rates. Only insure liability on my Dodge.

  7. Floyd Wise

    Good site, thanks. Checking in from Gulfport, MS. Went online for free insurance quotes for a 2003 Dodge Ram Pickup 3500. Ended up at about $90 savings annually. Went with Progressive. Anyone else drop full coverage?

  8. Shane Wong

    Compared auto insurance prices with State Farm and GEICO but still not cheap enough.

  9. Devon Travis

    Does Allstate insure after a DUI?