Learn How to Save Big on Dodge Ram 3500 Van Insurance

Searching for cheaper insurance for your Dodge Ram 3500 Van can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the best way to quote coverages for your Dodge and find the cheapest rates either online or from local insurance agents.

It’s a good idea to check auto insurance prices once or twice a year because insurance prices are usually higher with each renewal. Just because you had the best rate on Ram van coverage a few years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re going to learn the proper way to properly buy coverages and cut your premium.

If you are insured now or are shopping for new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Finding more affordable auto insurance is not that difficult. Drivers just need to understand the most efficient way to find the lowest price online.

Reduce Insurance Rates with These Tips

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help determine your policy premiums. If you have some idea of what determines premiums, this allows you to make good choices that may reward you with big savings.

• Pleasure use saves money – Driving a lot of miles in a year the higher your rates will be. A lot of insurance companies apply a rate based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time cost less to insure than those used for commuting. Make sure your policy is showing the correct usage for each vehicle. A policy that improperly rates your Ram 3500 Van may be wasting your money.
• Stay claim-free and save money – Auto insurance companies provide cheaper rates to people that do not abuse their auto insurance. If you file a lot of claims you can expect much higher rates or policy non-renewal. Your insurance policy is intended for the large, substantial claims.
• Liability coverage is important – Liability coverage is the protection when you are ruled to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense which can cost thousands of dollars. It is affordable coverage when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Pay more out-of-pocket – The deductibles represent how much money you are willing to pay if a covered claim is submitted. Physical damage insurance, aka comp and collision, insures against damage to your car. Examples of covered claims are colliding with a stationary object, damage caused by hail, and damage from wind. The more damage repair cost you are required to pay out-of-pocket, the better rate you will receive on Ram van coverage.
• Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. Highly rated vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you.
• Your location is important – Having an address in a small town can be a good thing if you are looking for the lowest rates. City drivers regularly have traffic congestion and longer commute times. Less people living in that area translates into fewer accident claims in addition to fewer liability claims.

More affordable rates with discounts

Some insurers do not list all available discounts in a way that’s easy to find, so the list below contains a few of the more well known and the more hidden discounts that you can inquire about if you . If you don’t get every credit available, you are paying more than you should be.

• Waiver for an Accident – This one is not really a discount per se, but companies like State Farm, Progressive and GEICO will forgive one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
• Good Student Discount – Being a good student may save as much as 25% on a . This discount can apply well after school through age 25.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Passenger Safety Discount – Vehicles with factory air bags can receive discounts as much as 30%.
• Discounts for Responsible Drivers – Insureds who avoid accidents may save up to 50% more on Ram van coverage as compared to drivers with claims.
• Discount for Life Insurance – Select insurance companies reward you with better rates if you take out some life insurance in addition to your auto policy.
• Buy New and Save – Putting auto insurance coverage on a new car can be considerably cheaper because new vehicles keep occupants safer.
• Renewal Discounts – Some companies provide a discount for buying a new policy before your current policy expires. You may see this discount when you get .
• Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
• Government Employee Discount – Federal government employees could qualify for a slight premium decrease on Ram van coverage with select insurance companies.

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

If you would like to view auto insurance companies who offer free auto insurance quotes, click here.

Best coverage at the best price

Some companies may not provide price quotes online and most of the time these smaller companies prefer to sell through independent agents. Cost effective Dodge Ram 3500 Van insurance can be purchased both online and with local insurance agents, so you should compare both to have the best rate selection.

We’ve covered a lot of information how to shop for Dodge Ram 3500 Van insurance online. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with some of the lesser-known companies.

Drivers leave their current company for a number of reasons such as being labeled a high risk driver, policy non-renewal, denial of a claim or even delays in paying claims. Whatever your reason, choosing a new company can be easy and end up saving you some money.