Dodge Ram 3500 Van Drivers Find the Lowest Car Insurance Rates

Nobody looks forward to paying for car insurance, in particular when the cost is too high. Online insurance companies like Progressive, State Farm and GEICO increase brand awareness with advertising and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Finding the best rates is not rocket science. Consumers only need to know the proper way to get comparison rates on the web.

Fast and Easy Car Insurance Quotes

Most major insurance companies like State Farm and Allstate allow you to get insurance quotes on their websites. Getting online rates is fairly straightforward as you just enter your required coverages as requested by the quote form. Behind the scenes, the system makes automated requests for information on your driving record and credit history and gives you a price quote based on these and other factors. Online price quotes makes comparing rates easy, but the work required to visit several different sites and type in the same information is repetitive and time-consuming. But it’s very important to do this if you want to find the lowest possible prices on car insurance.

The quickest way to locate the lowest prices is to use a quote form that analyzes rates from more than one company. This type of form saves time, requires less work, and makes online quotes much simpler. After sending the form, it is quoted and you can choose any of the returned quotes. If you find a better price it’s easy to complete the application and purchase coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to fill out one form to compare multiple rates now, click here and begin entering your coverage information. If you currently have coverage, we recommend you copy just like they are on your policy. This way, you are getting a price comparison using the exact same coverages.

Save big with these discounts

Companies don’t always list every discount very clearly, so here is a list some of the more common and the more hidden car insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount on Ram van insurance with certain companies.
  • No Accidents – Drivers who don’t have accidents pay less as compared to frequent claim filers.
  • Homeowners Savings – Being a homeowner can help you save on car insurance because owning a home is proof that your finances are in order.
  • E-sign – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.

Consumers should know that some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of insurers with the best car insurance discounts, click here.

Some factors that can determine what Dodge Ram 3500 Van insurance costs

Consumers need to have an understanding of the rating factors that go into determining your car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to better car insurance rates.

Listed below are a few of the “ingredients” companies use to determine prices. insurance quotes

  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both sexes tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving.
  • Better credit scores mean better rates – A driver’s credit history is a huge factor in your rate calculation. Therefore, if your credit history is not that good, you could potentially save money when insuring your Dodge Ram 3500 Van by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers with lower credit scores.
  • More miles equals more premium – Driving more miles every year the higher your rate. Almost all companies rate vehicles based on their usage. Autos that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your car insurance coverage shows the proper vehicle usage, because it can save money. If your policy improperly rates your Ram 3500 Van may be wasting your money.
  • High deductibles save money – The deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and windstorm damage. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Ram van insurance.
  • Is your vehicle built for speed? – The performance level of the car you drive makes a big difference in the rate you pay. The lowest rates are generally reserved for low performance passenger vehicles, but the final cost of insurance is determined by many other factors. Due to the fact that the Dodge Ram 3500 Van is considered a van and minivan, rates will be similar in price as compared to the average rate.
  • Little extras can really add up – There are a lot of extra coverages that you can get tricked into buying when buying car insurance. Coverages like rental car reimbursement, accidental death and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
  • Rates may be higher depending on your occupation – Occupations like lawyers, social workers and accountants are shown to have higher rates than average in part from high stress levels and long work hours. On the flip side, professions such as actors, athletes and retirees pay the least on Ram van insurance.

But I prefer to buy car insurance from an agent

Some consumers would prefer to sit down with an agent. Insurance agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of price shopping on the web is you can get the best rates and still choose a local agent.

For easy comparison, once you complete this short form, your insurance coverage information is submitted to local insurance agents who will give you bids for your business. There is no need to visit any agencies as quotes are delivered immediately to your email address. It doesn’t get any easier!

Deciding on an provider requires more thought than just the price. Any agent should have no problem answering these questions:

  • How many years of experience in personal lines insurance coverages do they have?
  • Does the company allow you to choose your own collision repair facility?
  • Are claims handled at the agent’s location?
  • How are they compensated?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Can glass repairs be made at your home?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If they are an independent agency, which companies do they recommend?

Captive agents vs. Independent agents

When finding a local agent, you need to know there are two types of insurance agents to choose from. Agents are classified as either independent (non-captive) or captive. Both properly insure your vehicles, but it’s good to learn how they differ since it may influence the type of agent you choose

Captive Insurance Agents

Captive agents can only write with one company like American Family, Liberty Mutual and AAA. They are unable to shop your coverage around so they are skilled at selling on more than just price. Captive agencies are trained well on their company’s products which helps them sell insurance even at higher premiums.

Independent Agents

These agents do not work for one specific company so they can insure your vehicles with many different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.

When shopping rates, we recommend you include at a minimum one independent agency to have the most options to choose from.

For a full directory of agencies, click here.

Upon getting satisfactory answers to your questions and a good coverage price, you’ve probably found a car insurance agent that will adequately provide car insurance.

quote Dodge Ram 3500 Van insurance

Your coverage should be tailored to you

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • Do I need rental car coverage?
  • Is my nanny covered when driving my vehicle?
  • If my Dodge Ram 3500 Van is totaled, can I afford another vehicle?
  • When would I need additional glass coverage?
  • Is a no-fault state?
  • Do no-fault laws apply in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Shop smart and save

Cheaper Dodge Ram 3500 Van insurance is available online and with local insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where drivers have reduced liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best price, not the least amount of coverage.

We just covered some good ideas how to get a better price on Dodge Ram 3500 Van insurance. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.