View 2011 Dodge Ram Pickup 3500 Insurance Rates in 2024

Want the cheapest auto insurance rates for your Dodge Ram Pickup 3500? Trying to find the cheapest insurance for a Dodge Ram Pickup 3500 can normally be an all-consuming task, but you can use our auto insurance buying tips to make it easier. There is a better way to buy auto insurance and you need to know the proper way to price shop coverage for your Dodge and get the lowest possible price from local insurance agents and online providers.

Consumers need to quote other rates occasionally because auto insurance prices change regularly. Despite the fact that you may have had the lowest quotes for Ram pickup coverage six months ago there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to demonstrate the best methods to get good coverage at a lower rate.

If you have a current insurance policy or need a new policy, you can follow these tips to get lower rates while maximizing coverage. Locating affordable protection is not that difficult. Vehicle owners only need to know the best way to compare company rates online.

Lower rates by qualifying for discounts

Auto insurance is not inexpensive, but you might already qualify for some discounts that many people don’t even know exist. Some of these discounts will be visible at the time of purchase, but a few must be asked for prior to getting the savings. If you don’t get every credit possible, you’re paying more than you need to.

• Passive Restraints – Vehicles equipped with air bags could see savings as much as 30%.
• Low Miles Discount – Keeping the miles down on your Dodge could earn cheaper rates.
• Anti-theft System – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Discounts for Good Drivers – Drivers who don’t get into accidents could pay up to 40% less for Ram pickup coverage compared to accident prone drivers.
• Discount for Life Insurance – Select auto insurance companies reward you with a discount if you purchase life insurance from them.
• Homeowners Pay Less – Owning a home can help you save on auto insurance because it is proof that your finances are in order.
• Savings for New Vehicles – Buying a new car instead of a used car can get you a discount because new vehicles keep occupants safer.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid the installment charge.
• Distant College Student Discount – Older children living away from home attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, company stockholders wouldn’t be very happy. Any amount of discount will bring down the amount you pay for coverage.

Some of the larger companies that may have some of the discounts shown above include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Check with every prospective company how you can save money. Some of the earlier mentioned discounts may not be available in every state.

Why your insurance costs might be higher

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense such as your driving history, but others are more obscure like your vehicle usage or your commute time. Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance coverage. If you understand what controls the rates you pay, this allows you to make good choices that could help you find lower rates.

• Married people drive safer – Being married may earn you lower rates on insurance coverage. Having a significant other is viewed as being more mature and statistics prove drivers who are married are more cautious.
• Continuous insurance coverage coverage lowers rates – Driving without insurance coverage in place is not a good idea and your next policy will cost more because you let your insurance coverage expire. Not only will rates go up, the inability to provide proof of insurance could earn you a license revocation or jail time.
• Insurance rates in urban areas – Being located in smaller towns and rural areas of the country can be a good thing when it comes to insurance coverage. Fewer drivers means less chance of accidents in addition to fewer liability claims. Drivers in populated areas have to deal with traffic congestion and longer commute times. More time on the road means more chances of being involved in an auto accident.
• Stress out and pay more – Jobs such as lawyers, executives and accountants generally pay the highest rates in part from intense work situations and extremely grueling work hours. On the other hand, careers such as actors, students and the unemployed pay lower than average rates for Ram pickup coverage.
• Safety first – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety result in less severe injuries and fewer serious injuries translates into fewer and smaller insurance claims passed on to you as lower rates.

Car insurance is unique, just like you

When buying the right insurance coverage, there is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I buy more coverage than the required minimum liability coverage?
• How can I get my company to pay me more for my totalled car?
• Is my business laptop covered if it gets stolen from my vehicle?
• Are rental cars covered under my policy?
• How much liability do I need to cover my assets?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out your zip code. It’s fast, free and may give you better protection.

Save $455 a year. For real?

Consumers can’t get away from ads for cheaper insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the point that people will save after switching your policy.

How do they all charge less that you’re paying now?

Different companies have a preferred profile for the type of customer that will generate a profit. A good example of a driver they prefer could possibly be a female over age 40, has a low-risk occupation, and drives a vehicle with a low ISO rating. Any customer that matches those criteria gets the lowest prices and most likely will pay quite a bit less when switching companies.

Consumers who are not a match for the “perfect” profile will be quoted higher premium rates which usually ends up with the driver buying from a lower-cost company. The trick companies use is to say “people that switch” not “everyone that quotes” will save that much if they switch. That is how companies can truthfully advertise the savings. This really emphasizes why drivers must get auto insurance quotes as often as possible. Because without a comparison, you cannot know which company will have better car insurance rates than you’re paying now.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability car insurance

This coverage can cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like medical services, bail bonds, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage, hitting a deer, hail damage and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This coverage will pay to fix damage to your Ram Pickup 3500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses like prosthetic devices, chiropractic care and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Pickup 3500.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Have the Midas touch

Insureds switch companies for a number of reasons such as high rates after DUI convictions, poor customer service, delays in paying claims and even being labeled a high risk driver. No matter why you want to switch, choosing a new company is not as hard as you think.

In this article, we covered quite a bit of information on how to save on 2011 Dodge Ram Pickup 3500 insurance. The key thing to remember is the more times you quote, the higher your chance of finding cheaper auto insurance. Consumers could even find that the lowest rates come from a small mutual company.

A few companies may not have the ability to get quotes online and most of the time these smaller providers prefer to sell through independent agencies. Cheap 2011 Dodge Ram Pickup 3500 insurance is possible both online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates.