Dodge Ram 3500 Pickup Owners Find How to Slash Their Car Insurance Rates

Nobody cherishes buying car insurance, in particular when the cost is too high.

Insurance companies such as State Farm and GEICO all promote huge savings with ad campaigns and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

Vehicle Insurance Comparison

The are a couple different ways to compare rate quotes and find the best price. By far the easiest way to find the cheapest Dodge Ram 3500 Pickup insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

1. One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This type of form saves time by eliminating separate quote forms for each company. One simple form will get you price quotes from several companies.
2. A different way to compare rate quotes requires a trip to the website for every company you want to comare to request a price quote. For example, let’s say you want to compare Liberty Mutual, State Farm and GMAC. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
3. The least recommended method to get comparison rates is driving to local insurance agencies. The internet can eliminate the need for a local agent unless you have a need for the personal advice only provided by licensed agents. You can, however, comparison shop your insurance online but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but make absolute certain that you use the exact same coverage information for every quote you compare. If the quotes have different liability limits it’s not possible to determine the lowest rate for your Dodge Ram 3500 Pickup. Quoting even small variations in coverages can result in a big premium difference. Just remember that comparing more company’s prices will increase your chances of finding a lower rate.

Pay less by taking advantage of discounts

The price of auto insurance can be rather high, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but a few need to be asked about before you get the savings.

• Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
• Claim Free – Claim-free drivers can earn big discounts when compared with drivers who are more careless.
• Military Discounts – Having a deployed family member can result in better rates.
• Federal Government Employee – Employees or retirees of the government can save as much as 8% on Ram pickup insurance with certain companies.
• Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

When should I use an insurance agent?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions may help you determine whether your personal situation could use an agent’s help.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my Dodge Ram 3500 Pickup covered for flood damage?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I have coverage when making deliveries for my home business?
• Is my custom paint covered by insurance?
• Why does it cost so much to insure a teen driver?
• Does my personal policy cover me when driving my company car?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.