How to Save on Phoenix Dodge Ram 3500 Insurance

Discount Dodge Ram 3500 insuranceSearching for more competitive Dodge Ram 3500 insurance in Phoenix? Have you had enough of scraping the payment together to pay insurance each month? Your situation is no different than the majority of other people in Arizona.

Sad but true, a large majority of consumers have bought insurance from the same company for a minimum of four years, and roughly 40% of drivers have never even compared quotes to find cheaper rates. American drivers could save themselves about $860 a year just by comparing rates, but they just don’t understand the big savings they would realize if they switched to a cheaper policy. You have multiple auto insurance companies to pick from, and although it’s a good thing to be able to choose, having more insurance companies makes it harder to get the best deal for Dodge Ram 3500 insurance in Phoenix.

Cheaper rates on Dodge Ram 3500 insurance in Phoenix with these seven discounts

Car insurance companies don’t necessarily list their entire list of discounts in an easy-to-find place, so the list below gives a summary of both the well known in addition to some of the lesser obvious discounts that may be available. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.Cheaper insurance with discounts

We need to note that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think you could get a free insurance policy, nobody gets a free ride.

Popular insurance companies and some of the premium reductions they offer include:

Before purchasing a policy, check with all the companies to give you their best rates. Some credits might not apply in Phoenix. If you would like to choose from a list of providers with significant discounts in Phoenix, click this link.

Cutting your car insurance rates is not rocket science. Drivers just need to spend a few minutes comparing rate quotes from some recommended companies.

Comparing free price quotes online is easy and it, makes it a waste of time to drive to insurance agents’ offices. Quoting and buying Dodge Ram 3500 insurance online eliminates this option unless you’re the type of person who wants the professional assistance that can only be provided by a licensed insurance agent. Although you can comparison shop online and still use a local agent.

The companies shown below have been selected to offer quotes in Arizona. If multiple providers are shown, it’s a good idea that you visit two to three different companies to get the most affordable price.

Dodge Ram 3500 Insurance Costs in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $184 $246 $392 $24 $118 $964 $80
Ram 3500 Crew Cab ST 2WD $308 $520 $390 $24 $116 $1,358 $113
Ram 3500 Crew Cab ST 4WD $308 $598 $584 $34 $176 $1,700 $142
Ram 3500 Crew Cab SLT 2WD $312 $518 $306 $18 $92 $1,246 $104
Ram 3500 Mega Cab SLT 2WD $322 $530 $300 $18 $90 $1,260 $105
Ram 3500 Mega Cab SLT 4WD $322 $600 $450 $26 $134 $1,532 $128
Ram 3500 Crew Cab SLT 4WD $350 $822 $544 $32 $162 $1,910 $159
Ram 3500 Crew Cab Laramie 4WD $344 $808 $584 $34 $176 $1,946 $162
Ram 3500 Mega Cab Laramie 2WD $224 $418 $338 $20 $102 $1,102 $92
Ram 3500 Crew Cab Laramie 2WD $250 $450 $288 $18 $86 $1,092 $91
Ram 3500 Mega Cab Laramie 4WD $224 $498 $508 $30 $152 $1,412 $118
Get Your Own Custom Quote Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can impact price quotes significantly.

Bad driving habits will cost you more

The diagram below demonstrates how traffic citations and at-fault collisions can increase Dodge Ram 3500 car insurance costs for each age group. The prices are based on a single male driver, full coverage, $100 deductibles, and no discounts are factored in.

When should I have guidance from a local insurance agent?

A small number of people still prefer to buy from a local agent and we recommend doing that Agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of comparing car insurance online is that you can obtain the lowest rates and still choose a local agent. And providing support for local agents is especially important in Phoenix.

To make it easy to find an agent, after completing this simple form, the quote information is transmitted to local insurance agents that can provide free Phoenix car insurance quotes for your business. It makes it easy because there is no need to find an agent on your own as quotes are delivered to you instantly. If you need to quote rates from a specific car insurance provider, you would need to go to their quote page to submit a rate quote request.

Deciding on an company requires you to look at more than just the price. Here are some questions to ask:

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Coverage for collisions

This pays for damage to your Ram 3500 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible on your Ram 3500 in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, falling objects, fire damage and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like doctor visits, X-ray expenses, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/10 which means a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, bail bonds and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but it’s recommended drivers buy better liability coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Ram 3500.

Since many Arizona drivers have only the minimum liability required by law (15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

More effort can pay off

You just learned many tips how you can lower your Dodge Ram 3500 insurance premium rates in Phoenix. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. You may even find the best price on insurance is with a smaller regional carrier. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate, GEICO and Progressive.

Cheap Dodge Ram 3500 insurance in Phoenix can be purchased online in addition to many Phoenix insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer internet price quotes and usually these regional carriers only sell through independent agents.

Helpful learning opportunities