Trying to find low-cost insurance for a Dodge Ram 3500 Van can be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to buy car insurance and you need to know the quickest way to compare rates on a Dodge and get the best price possible.
Pricing the lowest cost protection is not that difficult. In a nutshell, every driver who is required by state law to have car insurance most likely will be able to lower their premiums. Although drivers benefit from understanding how companies compete online and take advantage of how the system works.
Car Insurance Prices
Effectively comparing car insurance prices can be challenging if you don’t know the easiest way. You could waste time talking about coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.
Most car insurance companies participate in an industry program that enables customers to submit their information once, and each participating company returns a competitive quote determined by their information. This system prevents you from having to do form submissions to every company. To fill out one form to compare multiple rates now click here to open in new window.
The only drawback to using this type of form is you don’t know exactly which insurance companies to get quotes from. If you would rather choose individual companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.
It doesn’t matter which method you choose, just compare apples-to-apples coverage limits for every quote you compare. If you are comparing different limits and deductibles on each one it will be very difficult to find the best deal for your Dodge Ram 3500 Van. Quoting even small variations in insurance coverages could mean much higher rates. And when quoting car insurance, remember that quoting more will improve the odds of getting a lower rate.
Save big with these discounts
Car insurance can cost a lot, but there could be available discounts to help bring down the price. Most are applied when you purchase, but less common discounts must be asked about prior to receiving the credit.
- Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
- Military Rewards – Having a family member in the military could be rewarded with lower premiums.
- Auto/Home Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
- Save over 55 – Mature drivers can possibly qualify for a discount up to 10% on Ram van insurance.
- Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
- Low Mileage Discounts – Keeping the miles down on your Dodge can earn a substantially lower rate.
- Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
- Accident Free – Claim-free drivers pay much less as compared to accident-prone drivers.
- Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
- Resident Student – Children living away from home attending college and don’t have a car may be able to be covered for less.
A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will reduce the amount you have to pay.
To choose insurance companies offering car insurance discounts, follow this link.
Lesser-known factors impacting Dodge Ram 3500 Van insurance rates
Consumers need to have an understanding of the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.
- Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If your Dodge scored better than four stars on Safercar.gov it is probably cheaper to insure.
- Discounts for married couples – Having a spouse can get you a discount on your car insurance policy. Marriage means you’re more mature than a single person and statistics show drivers who are married are more cautious.
- Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both are in accidents at about the same rate, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
- Liability insurance protects assets – Liability coverage will protect you if you are found liable for damages from an accident. Liability provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
- Do you need those extra coverages? – There are a lot of extra coverages that can waste your money when buying car insurance. Things like rental car reimbursement, accident forgiveness and additional equipment coverage may be costing you every month. They may seem like a good idea at first, but now you might not need them so remove them from your policy.
- Your credit rating is important – Having a bad credit history is a huge factor in determining what you pay for car insurance. Therefore, if your credit history is not that good, you could potentially save money when insuring your Dodge Ram 3500 Van by spending a little time repairing your credit. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores.
But I don’t know anything about car insurance
When buying coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.
For example, these questions may help you determine if your situation would benefit from an agent’s advice.
- Can I drive in Mexico and have coverage?
- Can I afford low physical damage deductibles?
- Is my teen driver covered when they drive my company car?
- Is there coverage for injuries to my pets?
- Is my babysitter covered when using my vehicle?
- Do I benefit by insuring my home with the same company?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.
Smart shoppers get results
Consumers change insurance companies for a variety of reasons including poor customer service, denial of a claim, lack of trust in their agent or not issuing a premium refund. Regardless of your reason, finding a new company is not as hard as you think.
Budget-conscious Dodge Ram 3500 Van insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price.
