How to Insure your Dodge Ram 3500 Pickup on a Budget
If shopping your car insurance around was fun, we'd do it much more often. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. Cutting the check for each renewal on your Dodge Ram 3500 Pickup might give you the same feeling.
Step One: Insurance Rate Comparison Quotes
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Not anymore!
All the major car insurance companies sell insurance for a Dodge Ram 3500 Pickup and you don't even have to visit each individual website!
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Ram 3500 Pickup.
Step Two: How to Save on Ram 3500 Pickup Insurance
There are many contributing factors that determine what you pay to insure your Dodge. You can help yourself (and your wallet) by paying attention to the following rate factors.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Ram 3500 Pickup falls into either category, it could cost you.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- If you're a young driver, you will pay more to insure a Ram 3500 Pickup. There isn't anything you can do about your age, but rates will drop as you mature.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- Comprehensive and collision coverages make up the majority of your car insurance bill. If you raise your deductibles, you can will see significant savings with every policy renewal.
Step Three: Finalize your Policy Details
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Dodge added prior to the expiration of this grace period. Comprehensive (or Other than Collision) and collision coverage will extend to your new Ram 3500 Pickup if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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