Overpriced Dodge Ram 3500HD Pickup insurance can empty your checking account and make it hard to pay other bills. Doing a price comparison is free and is an excellent way to help make ends meet. Many insurance companies compete to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the lowest rate
If you are insured now or need new coverage, you will benefit by learning to get lower rates while maximizing coverage. Finding the best rates is not rocket science. Drivers just need to understand how to shop online.
Do you qualify for discounts?
Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you purchase, but some may not be applied and must be requested specifically before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.
- Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
- Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
- Accident Free – Good drivers with no accidents pay much less when compared to drivers who are more careless.
- Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
- Homeowners Savings – Owning a house can save you money because of the fact that having a home demonstrates responsibility.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
- Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
- Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on RamHD pickup insurance than less cautious drivers.
- Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
It’s important to note that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will bring down your overall premium however.
Vehicle Insurance Comparison
Cutting your car insurance rates is actually quite simple. You just have to invest a few minutes comparing rates online from several insurance companies. This can be done using a couple different methods.
- The easiest and least time consuming way to get quotes for comparison is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotation requests for every car insurance company. A single, simple form gets rate comparisons direct from many companies.
- Another way to shop for car insurance online is to take the time to go to the website for each individual company to complete their respective quote request forms. For examples sake, we’ll pretend you want comparison quotes from Progressive, GEICO and Travelers. To get each rate you have to take the time to go to each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.
Which method you use is up to you, but make sure you use the exact same coverage limits for every quote you compare. If you have different deductibles you can’t possibly determine the lowest rate for your Dodge Ram 3500HD Pickup.
Don’t assume everyone needs the same coverage
When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.
- What are no-fault laws?
- Do I need PIP coverage since I have good health insurance?
- What is the difference between comprehensive and collision coverage?
- Can I rate high risk drivers on liability-only vehicles?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I need to file an SR-22 for a DUI in my state?
- At what point should I drop full coverage?
If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
In the end, you save
While you’re price shopping online, you should never reduce coverage to reduce premium. Too many times, drivers have reduced physical damage coverage only to find out that it was a big mistake. Your aim should be to buy a smart amount of coverage at the best price.
In this article, we covered some good ideas how to compare Dodge Ram 3500HD Pickup insurance prices online. The key thing to remember is the more you quote, the better your comparison will be. You may even find the lowest priced car insurance comes from a small local company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.
