Dodge Ram 3500HD Pickup Owners Discover the Cheapest Auto Insurance Rates

Having to pay for overpriced auto insurance can drain your checking account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to tighten up your finances. Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company and get the best coverage at the best rate

If you have insurance now or need new coverage, you will benefit by learning to cut your premiums and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the proper way to find the lowest price on the web.

Comprehensive Auto Insurance Comparison

There are multiple methods to compare auto insurance prices and some are easier and takes less work. You could waste time talking to local insurance agents in your area, or you can utilize the web to maximize your effort.

Many popular insurance companies participate in a marketplace that enables customers to send in one quote, and each company can provide price quotes based on the submitted data. This eliminates the need for form submissions for every auto insurance company.

To submit your quote information now, click here to open in new window.

The single downside to doing it this way is you cannot specify the insurers you want to price. So if you prefer to choose individual companies to request quotes from, we put together a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using the exact same deductibles and coverage limits for every company. If you have different liability limits you will not be able to truly determine the lowest rate.

Discounts are great for lower rates

Car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but some must be specifically requested before being credited. If you’re not getting every credit available, you are throwing money away. auto insurance

No Claims – Claim-free drivers pay less compared to frequent claim filers.
Defensive Driver – Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
Military Discounts – Having a deployed family member could mean lower rates.
Federal Employees – Active or retired federal employment may qualify you for a discount on RamHD pickup insurance depending on your company.
Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
Homeowners Savings – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
Low Mileage Discounts – Low mileage vehicles can earn better rates on cars that stay parked.
Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.

It’s important to note that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will help reduce your overall premium however.

For a list of insurance companies with the best auto insurance discounts, click here.

You may need specialized coverage

When it comes to buying the best auto insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

Are rental cars covered under my policy?
Does my insurance cover damage caused when ticketed for reckless driving?
Do I have coverage when using my vehicle for my home business?
Where can I get insurance after a DUI in my state?
Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
What if I total my Dodge Ram 3500HD Pickup and owe more than it’s worth?
Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Dodge Ram 3500HD Pickup rate determination is complex

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that may reward you with better auto insurance rates.

Shown below are some of the items auto insurance companies consider when setting rates.

Tickets mean higher rates – A bad driving record has a lot to do with how much you pay for insurance. Careful drivers have lower premiums than people who have multiple driving citations. Even one speeding ticket can boost insurance rates forty percent or more. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
High credit ratings translate to low rates – Your credit score is a huge factor in determining your rates. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your Dodge Ram 3500HD Pickup by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit.
Discounts for married couples – Getting married helps lower the price on your auto insurance policy. It means you’re more responsible and statistics show married drivers get in fewer accidents.
Increase deductibles and save – Physical damage deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and rolling your vehicle. The more the insured has to pay upfront, the bigger discount you will receive on RamHD pickup insurance.
Extra coverages can waste money – There are many extra bells and whistles you can purchase on your Ram 3500HD Pickup policy. Coverages like personal injury protection, better glass coverage and motor club memberships are examples of these. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.
Are you male or female? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both are in accidents at about the same rate, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
Your occupation can affect rates – Occupations such as lawyers, business owners and dentists tend to have the highest average rates because of high stress and long work hours. Other jobs such as actors, historians and retirees receive lower rates on RamHD pickup insurance.

Are you falling for claims of savings?

Consumers can’t ignore all the ads for car insurance savings by companies like Allstate and Progressive. They all seem to make an identical promise that you’ll save big if you move to them.

How do they all make almost identical claims?

All companies have a certain “appetite” for the type of driver that is profitable for them. An example of a preferred risk might be between the ages of 30 and 50, has no tickets, and has a high credit rating. A customer who fits that profile receives the best rates and therefore will save when switching.

Drivers who don’t meet the requirements will have to pay a higher premium which usually ends up with the customer not buying. The ads state “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can claim big savings.

Because of the profiling, it is so important to compare as many rates as you can. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Cheaper insurance is a realistic goal

You just learned some good ideas how to lower your Dodge Ram 3500HD Pickup insurance rates. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the lowest rates come from a smaller regional carrier. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured cut uninsured motorist or liability limits only to find out that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price.