2004 Dodge Ram Pickup 3500 Insurance Quotes – 5 Policy Discounts

Trying to find lower insurance rates for your Dodge Ram Pickup 3500? Are you overwhelmed by the wide range of insurance companies available to you? Many other people are too. There are such a large number of options that it can easily become hard work to find the perfect company for you.

Finding the best rates is not rocket science. Basically, every vehicle owner who shops for auto insurance will be able to cut their insurance bill. But drivers do need to understand how insurance companies sell insurance online because it can help you find the best coverage.

Discounts can really help lower rates

Some providers don’t always list every policy discount in an easy-to-find place, so the next list breaks down some of the best known and the more hidden credits that you can use to lower your rates.

• Paper-free Discount – Certain companies will give you a small discount get insurance over the internet.
• Distant College Student Discount – Children who live away from home to go to college and don’t have a car could qualify for this discount.
• Discounts for Federal Employees – Active or retired federal employment may qualify for a discount when you quote insurance for Ram pickup insurance with certain companies.
• One Accident Forgiven – This one is not really a discount per se, but certain companies may permit one accident without getting socked with a rate hike if you have no claims before the accident.
• Active Military Service – Being on active deployment in the military could trigger a small discount.

Just know that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you can get free auto insurance, it’s just not the way it works.

To see a list of providers that offer the discounts shown above, click this link.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Each situation is unique.

For instance, these questions may help you determine if your insurance needs may require specific advice.

• Where can I get insurance after a DUI in my state?
• Can I afford to pay high deductible claims out of pocket?
• Am I covered when driving someone else’s vehicle?
• Which companies will insure high-risk drivers?
• How can I get high-risk coverage after a DUI?
• What is no-fault insurance?
• Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Do you really save 40% when you switch?

Well-known insurance companies like Allstate, Geico and Progressive consistently run television and radio advertisements. They all seem to have a common claim of big savings if you change your coverage. It sounds good, but how can they all sell you cheaper insurance coverage? It’s all in the words they use.

Different companies look for specific characteristics for the type of customer that makes them money. For example, this type of insured could possibly be a married male, has a low-risk occupation, and has a short commute. Anyone that meets those criteria will probably get the lowest prices and is almost guaranteed to cut their rates if they switch.

Consumers who don’t qualify for these standards will have to pay higher premiums and this can result in the customer not purchasing. The trick companies use is to say “people who switch” but not “everyone who gets a quote” save that much when switching. That’s why companies can truthfully lure you into getting a quote. Each company has different criteria, so drivers should get insurance quotes as often as possible. It is impossible to predict which company will be your best fit.

Insurance specifics

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, damage from flooding, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance – This coverage can cover damage or injury you incur to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, bail bonds, repair bills for other people’s vehicles, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Ram Pickup 3500.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision – This covers damage to your Ram Pickup 3500 resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like X-ray expenses, surgery, prosthetic devices and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

The bottom line

We just showed you a lot of information how to compare 2004 Dodge Ram Pickup 3500 insurance rates online. The key thing to remember is the more times you quote, the higher your chance of finding cheaper insurance. You may even find the lowest priced insurance coverage comes from the smaller companies.

Drivers switch companies for a variety of reasons including poor customer service, lack of trust in their agent, being labeled a high risk driver and even not issuing a premium refund. It doesn’t matter why you want to switch switching insurance coverage companies can be easy and end up saving you some money.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. Too many times, an insured cut liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best price and still be able to protect your assets.

Even more information is available in the articles below:

• Distracted Driving (Insurance Information Insitute)
• What Car Insurance is Cheapest for a Dodge Ram in Chandler? (ChandlerCoverage.com)
• Who Has Affordable Santa Ana Car Insurance Quotes for a Dodge Ram? (SantaAnaCoverage.com)
• Anti-Lock Brake FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Auto Theft Statistics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)