Looking for lower car insurance rates for your Dodge RAM 350? Feeling guilty for buying overpriced car insurance? It’s quite common and many consumers are in the same pinch. Due to the abundance of companies and agents to choose from, it can be impossible to find the most cost effective insurance company.
All the larger insurance companies make it easy to get prices on their websites. Comparing rates online is pretty easy because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. Once you submit the form, their quoting system orders your driving and credit reports and gives you a price quote based on the information you submitted. This helps simplify price comparisons, but the time it takes to visit a lot of sites and type in the same information gets old quite quickly. But it’s very important to get many rate quotes if you want to get a better rate.
The smarter way to lower your insurance bill uses one simple form that analyzes rates from a bunch of companies at once. This type of form saves time, requires less work, and makes rate comparisons much easier. As soon as you send your information, your coverage is rated and you can select any of the quotes that you receive.
If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and may result in a nice savings.
To compare pricing, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend that you enter the coverages identical to your current policy. This guarantees you will get comparison quotes for the exact same coverage.
Insurance is neither fun to buy or cheap, but discounts can save money and there are some available that can drop the cost substantially. Some of these disounts will be visible at quote time, but a few need to be manually applied before you will receive the discount.
As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.
Companies and the discounts they provide are detailed below.
When getting free insurance quotes, it’s a good idea to every insurance company how you can save money. A few discounts may not apply to policies in your area. To see providers who offer cheap insurance quotes, follow this link.
When buying proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine whether you could use an agent’s help.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.
Knowing the specifics of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.
Medical expense coverage
Medical payments and Personal Injury Protection insurance kick in for immediate expenses for funeral costs, dental work, prosthetic devices, EMT expenses and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Uninsured or underinsured coverage
This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge RAM 350.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.
This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as vandalism, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
This can cover damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability can pay for things such as loss of income, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.
Collision coverage protection
This will pay to fix damage to your RAM 350 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 insurance covers things such as sideswiping another vehicle, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.