2022 Dodge Ram Pickup 3500 Insurance Rates in 2024

Want better insurance rates for your Dodge Ram Pickup 3500? Trying to come up with a payment for overpriced insurance can overdraw your personal savings and put a big crunch on your finances. Doing a price comparison is free and is an excellent way to make ends meet.

There is such a variety of auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, more choices can make it harder to adequately compare rates.

Choosing the best insurance company for you is not that difficult. If you have insurance now or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Drivers just need to understand the tricks to shop for insurance online.

How do insurers determine Dodge Ram Pickup 3500 insurance rates?

Many different elements are part of the calculation when you get a price on insurance. Some are pretty understandable like your driving record, but other factors are less obvious like your vehicle usage and annual miles driven.

• The more you drive the more you pay – Driving more miles in a year’s time the more it will cost to insure it. The majority of insurers calculate rates based upon how much you drive. Autos that have low annual miles qualify for better rates compared to those used for work or business. An improperly rated Ram Pickup 3500 is throwing money out the window. Make sure your policy states annual mileage, because it can save money.
• Prevent your car from being stolen – Choosing a vehicle with a theft deterrent system can help bring down rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can thwart auto theft.
• Do you have enough liability insurance? – The liability coverage on your policy is the protection if ever you are ruled to be at fault for causing personal injury or damage in an accident. It provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
• Teen vs. older drivers – Older insureds tend to be more responsible, file fewer claims and tend to be get fewer driving tickets. Beginning drivers are statistically proven to be inattentive and easily distracted when driving with friends and because of this, their insurance coverage rates are much higher.
• Your location is a factor – Choosing to live in small towns and rural areas is a positive aspect when it comes to insurance coverage. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Urban drivers regularly have much more traffic and longer commute times. The longer drive time statistically corresponds to a higher accident and claim rate.

How to lower your auto insurance cost

Finding a lower price on 2022 Dodge Ram Pickup 3500 insurance is an easy way to save money. All that’s required is to take a few minutes comparing rates to find out which insurance company has affordable insurance quotes. This is very easy and can be done in just a few minutes using one of these methods.

1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form. This quick form prevents you from having to do repetitive form submissions for every prospective company. Taking the time to complete one form will get you price quotes from auto insurance companies with the best prices.
2. A different way to obtain and compare quotes online requires visiting the website for each individual company and complete a new quote form. For example, let’s say you want to get rates from Liberty Mutual, Allstate and Travelers. In order to get each rate, you would have to go to every website and repeatedly enter your information, which explains why we recommend starting with the first method.
3. The last method to find and compare rates is to spend your day driving to each insurance agency near you. Doing it all online reduces the need to sit down with an agent unless your situation requires the peace of mind only provided by licensed agents. Although, it is possible get prices online but purchase the actual policy in an agency.

Which method you use is up to you, but do your best to use the exact same coverages on every quote. If the quotes have mixed coverages you can’t possibly determine which rate is truly the best.

Insurance advertising tricks

Consumers can’t get away from ads that claim the best rates by State Farm and Allstate. They all seem to tend to make the same promise that people will save if you just switch to their company.

How does each company offer you a better deal?

Companies look for specific characteristics for the type of insured they prefer to insure. One example of this type of insured could be between 30 and 50, has other policies, and drives less than 10,000 miles a year. Anyone who matches those parameters gets the lowest premium rates as well as save when switching.

Potential insureds who don’t qualify for these criteria may receive higher premium rates and this results in the prospect going elsewhere. Company advertisements say “people who switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can confidently make it sound like they have such great prices. This really emphasizes why you should get a wide range of price quotes. It’s just too difficult to predict which company will have the lowest rates.

Save a ton with discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts to help offset the cost. Certain credits will be shown at the time of purchase, but some discounts are required to be asked about before you get the savings. If you do not check that you are getting every discount you deserve, you are throwing money away.

• Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
• Professional Organizations – Joining a qualifying organization is a good way to get lower rates on your bill.
• Payment Discounts – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
• Mature Driver Discount – Mature drivers may qualify for a discount up to 10% for Ram pickup insurance.
• Good Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Ram pickup insurance than less cautious drivers.
• Anti-lock Brakes – Cars and trucks with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
• New Vehicle Savings – Putting coverage on a new car can save you some money due to better safety requirements for new vehicles.
• Distant Student – Older children who are enrolled in higher education away from home and do not have a car may qualify for this discount.

It’s important to note that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, that’s just not realistic.

Larger auto insurance companies and a partial list of their discounts can be found below.

• State Farm offers discounts including good driver, multiple policy, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, and student away at school.
• GEICO has savings for five-year accident-free, good student, air bags, daytime running lights, anti-theft, and membership and employees.
• Allstate offers discounts for premier discount, 55 and retired, passive restraint, safe driver, eSmart discount, and anti-lock brakes.
• SAFECO has discounts for bundle discounts, anti-lock brakes, anti-theft, homeowner, accident prevention training, teen safe driver, and teen safety rewards.
• Farm Bureau policyholders can earn discounts including 55 and retired, multi-vehicle, youthful driver, safe driver, multi-policy, and good student.
• Progressive may have discounts that include good student, homeowner, multi-policy, online signing, continuous coverage, and online quote discount.
• AAA may include discounts for pay-in-full, AAA membership discount, multi-car, good student, anti-theft, education and occupation, and multi-policy.

Before buying, ask each company which credits you are entitled to. Some credits may not be available in your area. To see a list of auto insurance companies who offer auto insurance discounts, enter your zip code here.

What is the best auto insurance coverage?

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine whether you will benefit from professional help.

• Does my insurance cover my expensive audio equipment?
• Is a fancy paint job covered?
• Do I have coverage when using my vehicle for my home business?
• Exactly who is provided coverage by my policy?
• Am I better off with higher deductibles on my 2022 Dodge Ram Pickup 3500?
• Do I need higher collision deductibles?
• Do I have coverage when pulling a U-Haul trailer?
• Why do I need rental car insurance?
• Does insurance cover damages from a DUI accident?
• What is no-fault insurance?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete your zip code. It is quick, free and can help protect your family.

Car insurance coverages explained

Having a good grasp of a car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on most car insurance policies.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, nursing services and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage

This coverage covers damage to your Ram Pickup 3500 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 3500.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for liability

This provides protection from damages or injuries you inflict on other people or property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

A fool and his money are soon parted

More affordable auto insurance can be bought online as well as from independent agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance providers do not offer the ability to get a quote online and most of the time these regional insurance providers only sell coverage through local independent agents.

We covered many tips how you can shop for 2022 Dodge Ram Pickup 3500 insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost insurance. Consumers could even find that the lowest car insurance rates come from a smaller regional carrier. These smaller insurers may have significantly lower premium rates on certain market segments as compared to the big name companies such as Progressive and GEICO.