Scraping up a payment for overpriced Dodge Ram 3500 Mega Cab Pickup insurance can dwindle your savings account and put the squeeze on your family’s finances. Comparison shopping is a great way to slash your bill and have more diposable income. Drivers have multiple insurers to insure vehicles with, and although it’s a good thing to have a selection, so many choices can make it hard to find the lowest rates.
Smart consumers take time to check car insurance prices once or twice a year because insurance rates are constantly changing. Despite the fact that you may have had the lowest rates on Ram Mega Cab pickup insurance a year ago you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance on the web, but I’m going to show you some solid techniques on how to find affordable car insurance.
Take advantage of discounts
Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Most are applied when you quote, but a few must be asked for before you get the savings. If you don’t get every credit possible, you’re just leaving money on the table.
- Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
- Federal Employees – Active or retired federal employment may qualify you for a discount on Ram Mega Cab pickup insurance depending on your company.
- Driver Safety – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
- Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
- Driver’s Ed – Require your teen driver to enroll in driver’s education in school.
- Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
- Student in College – Children living away from home attending college and do not have a car can be insured at a reduced rate.
- Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will reduce your premiums.
Car Insurance Prices
Most major insurance companies provide coverage price quotes on their websites. Getting quotes doesn’t take a lot of time as you simply type in your coverage information as requested by the quote form. After you complete the form, the company’s rating system automatically orders credit information and your driving record and provides a quote. Being able to quote online makes it a lot easier to compare rates but having to visit multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes in order to find the lowest price.
The quickest way to compare car insurance pricing uses one form to get prices from many companies. It’s a real time-saver, reduces the work, and makes comparison shopping much easier. Immediately after submitting the form, it is rated and you can select any of the pricing results.
If a lower price is quoted, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and you’ll know if lower rates are available.
To save time and get comparison pricing now, click here and submit the form. If you have coverage now, it’s recommended you complete the form with the coverage information as close as possible to your current policy. This way, you are getting comparison quotes using the exact same coverages.
These factors can influence Dodge Ram 3500 Mega Cab Pickup insurance rates
Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with better car insurance rates.
The list below includes a partial list of the pieces companies use to determine rates.
- Younger drivers pay higher rates – Young drivers tend to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.
- Extra coverages can waste money – There are quite a few add-on coverages that you can buy on your car insurance policy. Things like roadside assistance, towing coverage and motor club memberships may be wasting your money. These may sound like a good investment when talking to your agent, but if you don’t need them remove them from your policy.
- Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that men are worse drivers. They both tend to get into accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets like DUI and reckless driving.
- Keep rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on higher rates. Companies provide better rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
- How’s your driving record? – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one citation may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to continue driving.
- Increase deductibles and save – The deductibles represent how much money you are required to spend if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The more money you’re willing to pay, the less your car insurance will be on Ram Mega Cab pickup insurance.
- Your occupation can affect rates – Careers like judges, executives and accountants tend to pay higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, jobs such as farmers, athletes and retirees have the lowest average rates on Ram Mega Cab pickup insurance.
Can’t I compare rates from local agents?
Certain consumers just want to get advice from a local agent and there is nothing wrong with that. Good agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent. And supporting local insurance agencies is especially important in smaller rural communities.
To make it easy to find an agent, after completing this simple form, your insurance coverage information gets sent to companies who will give you bids for your coverage. You never need to drive around due to the fact that quote results will go to your email. Now that’s easy!
Insurance agencies come in two varieties
When researching a good insurance agency, you must know there are a couple types of agencies from which to choose. Agents are either independent or captive. Either one can do a good job, but it’s important to know the differences because it can influence the selection process.
Independent Agencies or Brokers
Independent agencies are not locked into one company but rather can write business with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, it’s recommended you contact several independent insurance agents for the best price selection.
Captive Agents
Captive agencies can only place business with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot shop your coverage around so it’s a take it or leave it situation. These agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
For a complete listing of car insurance agents, click here.
Picking an insurance agent requires more thought than just the price. Some important questions to ask are:
- How long have they worked with personal auto insurance coverage?
- Are claim adjusters local or do you have to take your car somewhere else?
- If you have an accident, will your rates go up?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they specialize in personal lines coverage?
- Is working in the agency their full-time job?
Upon receiving satisfactory answers for all questions you ask and an acceptable price quote, you may have just found an insurance agency that can adequately provide car insurance.
In conclusion
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits only to discover later that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest price.
We just showed you many tips how you can get a better price on Dodge Ram 3500 Mega Cab Pickup insurance. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a small mutual company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
