Compare Dodge Ram 3500 Insurance Quotes in Plano

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Insurance for Dodge Ram 3500It's astonishing, but most drivers have remained with the same auto insurance company for at least four years, and about 40% of consumers have never even shopped around for affordable coverage. Consumers in Plano could save an average of almost $1,766 each year, but most tend to underestimate the actual amount they would save if they changed companies.

The best way we recommend to get low-cost Dodge Ram 3500 insurance is to make a habit of comparing prices annually from companies who can sell car insurance in Plano. Drivers can shop around by following these steps.

First, get an understanding of how auto insurance works and the things you can change to prevent expensive coverage. Many rating factors that increase rates like accidents, traffic tickets, and your credit history can be rectified by making lifestyle changes or driving safer.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agents can give you price quotes from multiple sources. Compare rates

Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you find better rates, make sure coverage does not lapse between policies.

Fourth, provide adequate notice to your current company of your decision to cancel your current policy and submit a completed application and payment for your new policy. When you receive it, put the new certificate verifying coverage above your visor, in the console, or in the glove compartment.

One thing to remember is to try to compare the same coverage limits and deductibles on each price quote and and to get rates from as many companies as feasibly possible. This enables an accurate price comparison and a good representation of prices.

Affordable companies for Dodge Ram 3500 insurance in Texas

The companies in the list below are ready to provide price quotes in Plano, TX. If you want the best car insurance in TX, we recommend you get prices from several of them to get the best price comparison.

Car insurance data for a Dodge Ram 3500

The rate information displayed below highlights a range of coverage prices for Dodge Ram 3500 models. Learning more about how insurance policy premiums are determined can assist in making informed decisions when comparing rates.

Dodge Ram 3500 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $160 $266 $366 $22 $110 $924 $77
Ram 3500 Crew Cab ST 2WD $196 $312 $366 $22 $110 $1,006 $84
Ram 3500 Crew Cab ST 4WD $196 $360 $548 $32 $164 $1,300 $108
Ram 3500 Crew Cab SLT 2WD $196 $360 $366 $22 $110 $1,054 $88
Ram 3500 Mega Cab SLT 2WD $196 $360 $366 $22 $110 $1,054 $88
Ram 3500 Mega Cab SLT 4WD $196 $408 $548 $32 $164 $1,348 $112
Ram 3500 Crew Cab SLT 4WD $196 $408 $548 $32 $164 $1,348 $112
Ram 3500 Crew Cab Laramie 4WD $196 $408 $548 $32 $164 $1,348 $112
Ram 3500 Mega Cab Laramie 2WD $196 $360 $366 $22 $110 $1,054 $88
Ram 3500 Crew Cab Laramie 2WD $196 $360 $366 $22 $110 $1,054 $88
Ram 3500 Mega Cab Laramie 4WD $196 $408 $548 $32 $164 $1,348 $112
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific location information which can affect prices greatly.

Policy deductible comparison

One common question asked by Plano drivers is how high or low should comp and collision deductibles be. The comparison tables below may help you to understand the rate fluctuation when you buy lower versus higher policy deductibles. The first set of prices uses a $100 physical damage deductible and the second rate chart uses a $1,000 deductible.

Dodge Ram 3500 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $370 $592 $382 $22 $114 $1,505 $125
Ram 3500 Crew Cab ST 2WD $454 $698 $382 $22 $114 $1,695 $141
Ram 3500 Crew Cab ST 4WD $454 $804 $572 $34 $172 $2,061 $172
Ram 3500 Crew Cab SLT 2WD $454 $804 $382 $22 $114 $1,801 $150
Ram 3500 Mega Cab SLT 2WD $454 $804 $382 $22 $114 $1,801 $150
Ram 3500 Mega Cab SLT 4WD $454 $908 $572 $34 $172 $2,165 $180
Ram 3500 Crew Cab SLT 4WD $454 $908 $572 $34 $172 $2,165 $180
Ram 3500 Crew Cab Laramie 4WD $454 $908 $572 $34 $172 $2,165 $180
Ram 3500 Mega Cab Laramie 2WD $454 $804 $382 $22 $114 $1,801 $150
Ram 3500 Crew Cab Laramie 2WD $454 $804 $382 $22 $114 $1,801 $150
Ram 3500 Mega Cab Laramie 4WD $454 $908 $572 $34 $172 $2,165 $180
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Dodge Ram 3500 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $206 $312 $382 $22 $114 $1,036 $86
Ram 3500 Crew Cab ST 2WD $252 $368 $382 $22 $114 $1,138 $95
Ram 3500 Crew Cab ST 4WD $252 $424 $572 $34 $172 $1,454 $121
Ram 3500 Crew Cab SLT 2WD $252 $424 $382 $22 $114 $1,194 $100
Ram 3500 Mega Cab SLT 2WD $252 $424 $382 $22 $114 $1,194 $100
Ram 3500 Mega Cab SLT 4WD $252 $478 $572 $34 $172 $1,508 $126
Ram 3500 Crew Cab SLT 4WD $252 $478 $572 $34 $172 $1,508 $126
Ram 3500 Crew Cab Laramie 4WD $252 $478 $572 $34 $172 $1,508 $126
Ram 3500 Mega Cab Laramie 2WD $252 $424 $382 $22 $114 $1,194 $100
Ram 3500 Crew Cab Laramie 2WD $252 $424 $382 $22 $114 $1,194 $100
Ram 3500 Mega Cab Laramie 4WD $252 $478 $572 $34 $172 $1,508 $126
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in specific location information which can decrease or increase premium rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $50 more each month or $600 every year averaged for all Ram 3500 models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 18 months between claim filings, you would save more money if you elect the higher deductible.

How much more does full coverage cost?

The example below illustrates the difference between Dodge Ram 3500 car insurance rates when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There isn't a steadfast formula to delete full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Dodge Ram 3500 replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after paying the physical damage deductible. If you are paying more than $300 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where removing full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Discounts can help lower rates on Dodge Ram 3500 insurance in Plano

Car insurance is not cheap, but there could be significant discounts that can drop the cost substantially. Certain credits will be shown when you complete an application, but a few must be requested specifically before you get the savings.Discount auto insurance

  • Discounts for Good Drivers - Insureds who avoid accidents could pay up to 40% less than less cautious drivers.
  • Driving Data Discount - Insureds that choose to allow driving data submission to analyze their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.
  • Multiple Policy Discount - When you have multiple policies and place coverage with the same company you could get a discount of up to 20% and get you cheap Ram 3500 insurance.
  • Active Service Discounts - Having a deployed family member could mean lower rates.
  • Driver Safety - Taking a defensive driver course can save you 5% or more and make you a better driver.
  • Senior Citizen Discount - If you're over the age of 55, you may qualify for reduced rates.

As a footnote on discounts, most of the big mark downs will not be given to the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free auto insurance policy, insurance companies wouldn't stay in business.

The information below visualizes the comparison of Dodge Ram 3500 auto insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, homeowner, multi-policy, and claim-free discounts applied.

To view companies that have a full spectrum of discounts in Plano, follow this link.

Why Smart Consumers Pay Less for Dodge Ram 3500 Insurance

It's important that you understand the factors that help calculate the rates you pay for auto insurance. If you know what influences your rates, this enables you to make decisions that may result in lower rates. Multiple criteria are part of the equation when pricing auto insurance. A few of the factors are predictable such as your driving record, but other factors are not quite as obvious such as your marital status and annual miles driven.

The list below includes just a few of the factors auto insurance companies consider when setting prices.

  • What type of car do you drive? - The performance level of the car or truck you drive makes a huge difference in your rates. The lowest premiums are usually found on low performance passenger vehicles, but other factors influence the final cost greatly.

    The data below is based on a married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Dodge Ram 3500 rates compared to other models that have different performance rating factors.

  • Improve your credit history - An insured's credit score can be a huge factor in determining what you pay for auto insurance. People with very good credit scores tend to file fewer claims and have better driving records than drivers with worse credit. If your credit score can use some improvement, you may save money insuring your Dodge Ram 3500 by repairing your credit.
  • How old are your drivers? - Teenage drivers in Texas are statistically shown to be easily distracted in a vehicle therefore auto insurance rates are much higher. More experienced drivers are viewed as being more responsible, file fewer claims, and receive fewer citations.

    The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Is you vocation costing you more? - Did you know your job can affect your rates? Occupational choices like real estate brokers, airline pilots, and stock brokers generally pay higher premium rates in part from intense work situations and incredibly demanding work hours. Other professions such as professors, athletes and retirees receive lower rates.

Everyone needs different auto insurance coverages

When it comes to buying your policy for your vehicles, there isn't really a "best" method to buy coverage. Your situation is unique.Drive safe and save

For instance, these questions can help discover if your situation would benefit from an agent's advice.

  • How can I get high-risk coverage after a DUI?
  • Will my rates increase for filing one claim?
  • Which companies will insure me after a DUI?
  • Should I buy full coverage?
  • Should I sign the liability waiver when renting a car?
  • Will damage be repaired with OEM parts?

If you're not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don't have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Independent or exclusive insurance agencies

Certain consumers prefer to talk to an insurance agent and that can be a smart move Agents can point out coverage gaps and help file insurance claims. A nice benefit of getting free rate quotes online is that you can find cheap auto insurance rates and also buy local. And supporting neighborhood insurance agencies is important especially in Plano.

Insurance agency in PlanoAfter completing this quick form, the quote information is immediately sent to local insurance agents in Plano who will give you bids for your insurance coverage. It simplifies rate comparisons since you won't have to contact an agency since price quotes are sent immediately to your email address. If you want to get a price quote from a particular provider, you can always go to their quote page and complete a quote there.

Below is a list of car insurance companies in Plano willing to provide rate quotes for Dodge Ram 3500 insurance in Plano.

7920 Preston Rd #300 - Plano, TX 75024 - (972) 690-9090 - View Map

5016 Tennyson Pkwy - Plano, TX 75024 - (972) 781-0808 - View Map

3275 Independence Pkwy - Plano, TX 75075 - (972) 519-5435 - View Map

4670 McDermott Rd #206 - Plano, TX 75024 - (972) 867-2778 - View Map

More Plano agents

Picking an provider should depend on more than just a cheap quote. Some important questions to ask are:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Can they provide you with a list of referrals?
  • Where would your vehicle be repaired?
  • Is there a Errors and Omissions policy in force?
  • How many years of experience in personal auto insurance do they have?
  • Do they prorate repair cost based on vehicle mileage?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Find cheaper rates by being thorough

Drivers who switch companies do it for a variety of reasons including denial of a claim, delays in responding to claim requests, an unsatisfactory settlement offer and even delays in paying claims. Whatever your reason, switching insurance companies can be easy and end up saving you some money.

As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage and found out when filing a claim that it was a big error on their part. The aim is to purchase plenty of coverage at an affordable rate.

We covered some good ideas how to compare Dodge Ram 3500 insurance car insurance rates in Plano. It's most important to understand that the more providers you compare, the better chance you'll have of finding the cheapest Dodge Ram 3500 rate quotes. Drivers may even discover the most savings is with a small local company.

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