2010 Dodge Ram Pickup 3500 Insurance Quotes – 5 Tips for Best Rates

Searching for better car insurance rates for your Dodge Ram Pickup 3500? Paying for high-priced Dodge Ram Pickup 3500 insurance can deplete your family’s budget and possibly require you to analyze your spending habits. Price shopping at each renewal is free, only takes a few minutes, and is a good way to tighten up your finances.

Drivers have multiple insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it makes it harder to adequately compare rates.

Smart consumers take time to price shop coverage once or twice a year because prices change regularly. Even if you got the best deal on Ram pickup insurance two years ago you will most likely find a better rate quote today. Forget all the misinformation about car insurance because you’re going to get a crash course in one of the easiest ways to find lower rates on car insurance.

Low cost insurance coverage prices

There are a variety of methods to shop for insurance coverage, but some are more efficient than others. You could waste time talking to local insurance agents in your area, or you can utilize the internet to get the quickest rates.

Most of the best insurance companies belong to an insurance system that enables customers to complete one form, and at least one company then gives them pricing determined by their information. This eliminates the need for quotation requests for every insurance coverage company.

To access this free quoting program, click here to open in new window.

The single downside to using this type of form is that you can’t choose the providers to receive prices from. So if you want to choose from a list of companies to receive pricing from, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages on every quote. If you enter different deductibles you will not be able to decipher which rate is best. Just slight variations in coverage limits can result in a big premium difference. Just remember that making a lot of price comparisons provides better odds of finding lower pricing. Not every company does quotes online, so it’s recommended that you also compare quotes from them, too.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you might need professional guidance.

• Should I buy only the required minimum liability coverage?
• Can my teen drive my company car?
• How much underlying liability do I need for an umbrella policy?
• When should I not file a claim?
• Does having multiple vehicles earn me a discount?
• Should I buy additional glass protection?
• How much liability do I need to cover my assets?
• Is my babysitter covered when using my vehicle?
• What is covered by UM/UIM coverage?
• Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Specific coverages for a 2010 Dodge Ram Pickup 3500

Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Dodge Ram Pickup 3500.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

This covers 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 and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like pain medications, surgery and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This can cover damages or injuries you inflict on people or other property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, repair costs for stationary objects, attorney fees, legal defense fees and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.