Best Ways to Save on Lincoln Dodge Ram 3500 Insurance

Truthfully, the best way to get the cheapest Dodge Ram 3500 insurance in Lincoln is to compare prices once a year from insurance carriers in Nebraska.

• First, try to understand the different coverages in a policy and the steps you can take to keep rates in check. Many rating factors that drive up the price like at-fault accidents and an imperfect credit score can be improved by making small lifestyle or driving habit changes. Continue reading for more details to help reduce premium rates and find hidden discounts.
• Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can quote rates from multiple companies. Select a company
• Third, compare the new rate quotes to your current policy premium to determine if you can save on Ram 3500 insurance in Lincoln. If you find a better price, verify that coverage does not lapse between policies.
• Fourth, provide notification to your current company to cancel your existing policy. Submit a signed application and payment for your new coverage. When you receive it, place your new certificate verifying proof of insurance in your vehicle’s glove compartment or console.

A good piece of advice is that you’ll want to make sure you compare identical deductibles and limits on every price quote and to quote with as many carriers as you can. This guarantees an accurate price comparison and the best price selection.

Unbelievable but true according to a study the vast majority of consumers in Nebraska have stayed with the same insurance company for more than four years, and practically 40% of insurance customers have never even compared rates from other companies. American drivers can cut their rates by $850 a year, but they just don’t understand how much money they would save if they replace their high priced policy.

This article will let you in on how insurance works and also save some money in the process If you have a current insurance policy, you will be able to reduce premiums using the ideas you’re about to read. But Nebraska car owners benefit from understanding how insurance companies determine prices because it varies considerably.

Get More Affordable Insurance Premiums by Understanding These Factors

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but other criteria are more obscure such as your marital status or your vehicle rating. One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that go into determining your premiums. If you understand what determines base rates, this empowers consumers to make smart changes that could result in lower premium levels.

The factors shown below are some of the major factors used by your company to calculate your prices.

• Adjust physical damage deductibles and save – Your deductibles state the amount of money you are required to pay if a claim is determined to be covered. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, fire damage, and damage caused by road hazards. The more of the claim you have to pay, the less money you will pay for insurance.

• What type of car do you drive? – The make and model of the car, truck or SUV you need insurance for makes a big difference in determining your rates. Low performance passenger cars usually have the lowest premiums, but your final cost has many other factors.

  The data below uses these assumptions: single male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It compares Dodge Ram 3500 car insurance rates compared to other makes and models that have different performances.

• Car features can affect prices – Purchasing a vehicle with advanced anti-theft systems can help lower your rates. Systems that thwart thieves such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.
• Being married equates to better prices – Getting married helps lower the price on your insurance bill. Marriage generally demonstrates drivers are more stable financially and statistics prove married couples file fewer claims.

The fastest way that we advise to compare insurance rates from multiple companies takes advantage of the fact most of the larger companies allow for online access to provide you with free rate quotes. The only thing you need to do is give the companies some data such as any included safety features, if you have an active license, the ages of drivers, and if you require a SR-22. That rating data is then sent to many of the top insurers and they provide comparison quotes instantly to find the best rate.

To check Dodge Ram 3500 insurance prices now, click here and enter your coverage details.

The companies shown below provide quotes in Nebraska. To locate the best car insurance in Lincoln, we suggest you visit as many as you can to get the best price comparison.

Rates and other information

The coverage information shown next outlines a range of insurance coverage prices for Dodge Ram 3500 models. Learning more about how rate quotes are calculated can help you make smart choices when comparing insurance quotes.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location which can change auto insurance rates greatly.

Comparison of policy deductibles

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The data tables below sum up the cost difference between low and high physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific zip code location which can increase or decrease coverage rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $16 more each month or $192 for a full year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 16 months between claim filings, you would save more money going with the higher deductible.

The chart below demonstrates how deductible levels and can impact Dodge Ram 3500 yearly insurance costs for different categories of driver ages. The data is based on a married female driver, full coverage, and no discounts are taken into consideration.

Yearly auto insurance costs for men versus women

The information below illustrates the comparison of Dodge Ram 3500 insurance rates for male and female drivers. The data assumes no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Car insurance does more than just repair your car

Even though it’s not necessarily cheap to insure a Dodge in Lincoln, buying car insurance is a good idea for several reasons.

• Almost all states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance in order to license the vehicle. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Dodge with a loan, more than likely the lender will require you to buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your Dodge at a much higher premium rate and require you to fork over the higher premium.
• Car insurance preserves your vehicle and your assets. It will also pay for hospital and medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay to defend you if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will cover the repair costs.

The benefits of insuring your Ram 3500 outweigh the cost, specifically if you ever have a liability claim. Today the average American driver is wasting up to $800 each year so it’s important to compare rates at every renewal to make sure the price is not too high.

Affordable Lincoln insurance quotes with discounts

Insurance is not inexpensive, but you may be missing some discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but a few need to be manually applied prior to getting the savings.

• Discount for Multiple Policies – If you combine your homeowners and auto policies with the same company you could get a discount of as much as 10 to 15 percent.
• Active Military Service – Being on active duty in the military could qualify you for better prices.
• One Accident Forgiven – This one is not really a discount per se, but some insurance companies allow you one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
• Anti-theft Discount – Cars with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
• Telematics Devices – People who choose to allow their insurance company to track where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
• Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount because newer vehicles are generally safer.
• Distant Student – Youth drivers who attend college more than 100 miles from Lincoln and do not have a car may be able to be covered for less.
• Clubs and Organizations – Being a member of qualifying clubs or civic groups could trigger savings on insurance.
• Sign Early and Save – A few insurance companies give discounts for switching companies prior to your current Ram 3500 insurance policy expiring. This can save 10% or more.
• Drive Less and Save – Driving less could be rewarded with lower prices due to less chance of an accident.

You can save money using discounts, but many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free insurance policy, you’re out of luck.

The information below illustrates the comparison of Dodge Ram 3500 insurance costs with and without discounts applied to the premium. The information is based on a female driver, no tickets, no at-fault accidents, Nebraska 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 homeowner, multi-car, marriage, safe-driver, claim-free, and multi-policy discounts applied.

Popular insurance companies and some of the discounts are detailed below.

• State Farm may include discounts for multiple policy, passive restraint, anti-theft, good student, student away at school, and Drive Safe & Save.
• GEICO includes discounts for multi-vehicle, seat belt use, good student, anti-theft, anti-lock brakes, and federal employee.
• Liberty Mutual has savings for preferred payment discount, new move discount, good student, multi-car, new graduate, multi-policy, and new vehicle discount.
• The Hartford has discounts for defensive driver, vehicle fuel type, bundle, good student, and driver training.
• MetLife offers discounts including good driver, defensive driver, multi-policy, claim-free, good student, accident-free
• Progressive discounts include continuous coverage, multi-policy, homeowner, multi-vehicle, online quote discount, and online signing.

It’s a good idea to ask all companies you are considering which discounts can lower your rates. Some credits may not apply in Lincoln. To choose insurance companies that provide some of the discounts listed above in Lincoln, click here to view.

Insurance agent or online?

Many people would rather have an agent’s advice and that is a personal choice. The best thing about price shopping on the web is that drivers can save money and get the lowest rates and still have a local agent. Buying insurance from neighborhood agents is important particularly in Lincoln.

After completing this form (opens in new window), your coverage information is immediately sent to agents in your area who want to provide quotes to get your business. It makes it easy because there is no need to contact any insurance agencies because quoted prices will be sent immediately to your email address. You can get cheaper car insurance rates and a licensed agent to talk to. If for some reason you want to get a comparison quote for a specific company, you can always visit that company’s website to submit a rate quote request.

If you need to find a local Lincoln insurance agent, it’s helpful to know the different types of agencies and how they are slightly different. Lincoln agents can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agents (or Brokers)

Independent insurance agents are not required to write business for one company so they can quote policies with multiple insurance companies and find you the best rates. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to do anything.

When comparing car insurance prices, we recommend you get several quotes from multiple independent agents to maximize your price options.

Shown below are independent insurance agents in Lincoln who may provide competitive price quotes.

More insurance agents

Exclusive Agencies

Exclusive insurance agents can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. They are unable to provide other company’s prices so keep that in mind. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates.

Below are Lincoln exclusive agencies willing to provide rate quotes.

More insurance agents

Choosing an auto insurance agent should include more criteria than just a cheap price. These are some valid questions you should ask.

• How long has their agency been in business in Lincoln?
• Is there any savings for paying the full premium?
• By raising physical damage deductibles, how much would you save?
• If you are a high risk driver, do they have special markets for your coverage?
• Is vehicle damage repaired with OEM or aftermarket parts?

After you get good responses to these questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that is a good match to insure your vehicles.

Situations that may require an agent’s advice

When buying the right insurance coverage for your personal vehicles, there really isn’t a one size fits all plan. Every insured’s situation is different so your insurance should reflect that
These are some specific questions can help discover if your insurance needs might need professional guidance.

• Is upholstery damage covered by car insurance?
• Do I benefit by insuring my home with the same company?
• Are my friends covered when driving my car?
• Should I have a commercial auto policy?
• Should I buy full coverage?
• Am I covered if my car is in a flood?
• Should I buy additional glass protection?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Don’t give up on cheap premiums

The cheapest Dodge Ram 3500 insurance in Lincoln can be bought both online in addition to many Lincoln insurance agents, so you need to quote Lincoln auto insurance with both so you have a total pricing picture. A few companies may not have the ability to get quotes online and these smaller companies only sell coverage through local independent agencies.

You just learned a lot of techniques to find cheaper Dodge Ram 3500 insurance in Lincoln. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive Lincoln auto insurance quotes. Consumers could even find that the lowest auto insurance rates come from a small local company. Smaller companies often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.

Additional car insurance information is available at the links below

• Car Insurance: When not to Skimp (BankRate.com)
• What Auto Insurance is Cheapest for a Ford Focus in Lincoln? (FAQ)
• How Much is Auto Insurance for Welfare Recipients in Lincoln? (FAQ)
• How Much are Auto Insurance Quotes for a Nissan Versa in Lincoln? (FAQ)
• Car Insurance FAQ (Trusted Choice)
• Tools for Teen Driving Safety (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)