7 Simple Tricks to Slash Dodge Ram 3500 Wagon Van Insurance Rates

7 Simple Tricks to Slash Dodge Ram 3500 Wagon Van Insurance Rates

Drivers have a choice when trying to find the best price on Dodge Ram 3500 Wagon Van insurance. You can either waste hours calling around to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to find auto insurance online and you need to know the proper way to quote coverages on a Dodge and find the cheapest rates.

How to compare auto insurance price quotes

Getting a cheap price on Dodge Ram 3500 Wagon Van insurance is not a difficult process. All that’s required is to invest a little time to get quotes to find the company with . Comparing prices online can be done by using one of the methods below.

  • If you don’t have a lot of time, the easiest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This quick form eliminates the need for repetitive form submissions for every company. Completing one form will get you price quotes from many national carriers.It’s the quickest way to get rates.
  • A harder way to find better pricing is spending the time to visit the website for every company you want to comare and fill out a new quote form. For instance, we’ll pretend you want comparison quotes from USAA, Farmers and Travelers. You would be required to navigate to each company’s site and enter your information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  • If you have time to kill, the last way of comparing rate quotes is to spend time driving to insurance agencies in your area. Quoting and buying insurance online makes this process obsolete unless you have a need for the trained guidance of a local agent. Drivers can price shop your coverage online but buy from a local insurance agent.

Whichever way you choose to compare rates, make absolute certain that you use the exact same coverage limits and deductibles for each quote you get. If you compare different limits and deductibles on each one you will not be able to find the best deal for your Dodge Ram 3500 Wagon Van.

More discounts mean lower premiums

Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as some of the hidden discounts that may be available.

  • Defensive Driver Discount – Completing a course teaching safe driver skills can save you 5% or more if you qualify.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
  • E-sign Discounts</strong – Some of the larger companies will give you a small discount for buying your policy on the internet.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a .
  • Senior Discount – Seniors may receive a small discount on rates on Ram Wagon van coverage.
  • Telematics Data – Insureds who allow companies to analyze driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as they are good drivers.
  • Auto/Life Discount – Larger auto insurance companies have a discounted premium rate on car insurance if you buy auto and life insurance together.

Just know that most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, companies wouldn’t make money that way.

Some of the insurance companies who might offer these benefits include:

Before purchasing a policy, check with each company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies in your area. To see a list of providers with significant discounts, click this link.

When do I need an agent’s advice?

When buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can help discover if you would benefit from professional advice.

  • Is my Dodge Ram 3500 Wagon Van covered for smoke damage?
  • Am I covered when driving a rental car?
  • Do I really need UM/UIM coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when pulling a rental trailer?
  • How do I file an SR-22 for a DUI in my state?
  • How high should my medical payments coverage be?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Neighborhood insurance agents

Some people would prefer to talk to an insurance agent and that can be a smart move Agents are trained risk managers and help in the event of a claim. A good thing about comparing auto insurance online is the fact that drivers can get cheap auto insurance rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, your insurance coverage information is instantly submitted to insurance agents that give free quotes for your business. You don’t have to search for an agent since rate quotes are delivered instantly to you. If you need to get a rate quote for a specific company, feel free to find their quoting web page and fill out their quote form.

Picking the best insurer should include more criteria than just the premium amount. Any good agent should know the answers to these questions. insurance prices

  • Does the agent help file claims?
  • What insurance companies do they work with?
  • Does the company have a solid financial rating?
  • Does the company use OEM repair parts?
  • If they are an independent agency, which companies do they recommend?

Multiple types of car insurance agents

If you want to buy auto insurance from a reliable insurance agency, you should know the different types of agencies and how they differ in how they quote coverages. Insurance agencies can be described as either independent agents or captive agents. Either can properly insure your vehicles, but it is important to understand how they differ because it may have an impact on the kind of agent you use.

Captive Agencies

Agents that elect to be captive can only quote rates from one company like State Farm or Allstate. These agents are unable to place coverage with different providers so keep that in mind. They are very knowledgeable on the products they sell which can be an advantage. Consumers often buy from captive agents primarily because of the brand and solid financial strength.

Independent Agents (or Brokers)

Agents of this type do not sell for just one brand and that is an advantage because they can write policies through lots of different companies and potentially find a lower price. If prices rise, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing auto insurance prices, you absolutely need to get some free quotes from a few independent agents so that you can do a thorough price comparison. Most also have access to different regional companies which may provide better rates.

To help find agents in your area, this page can help to locate an auto insurance agent.

Upon receiving satisfactory answers for all questions you ask as well as a price you’re happy with, you may have just found a car insurance agent that is reliable enough to provide auto insurance coverage.

Coverage specifics

Knowing the specifics of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, falling objects, rock chips in glass, vandalism and damage from getting keyed. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Ram 3500 Wagon Van.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like funeral costs, chiropractic care, doctor visits, ambulance fees and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, scraping a guard rail, hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

In the end, you save

As you , you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

People who switch companies do it for a variety of reasons including questionable increases in premium, delays in paying claims, high rates after DUI convictions or an unsatisfactory settlement offer. Whatever your reason, switching auto insurance companies is easier than you think.

We just showed you a lot of ways to save on Dodge Ram 3500 Wagon Van insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding . Consumers may even find the best price on auto insurance is with a lesser-known regional company.