Best Rates for Dodge Ram 3500 Insurance in Oklahoma City

Want to learn the secrets to finding cheaper insurance rates in Oklahoma City, OK? Oklahoma City drivers have lots of choices when trying to find low-cost Dodge Ram 3500 insurance. They can either spend hours driving around getting price quotes or save time using the internet to compare rates. There are more efficient ways to buy insurance and you need to know the absolute fastest way to get price quotes on a Dodge and locate the lowest price from both online companies and Oklahoma City agents.

Anyone knows that car insurance companies don’t want you comparing rates. People who shop around for better prices are very likely to switch companies because there is a great chance of finding discount prices. A survey found that consumers who compared prices regularly saved on average $865 a year as compared to drivers who never compared other company’s rates.

If finding the cheapest rates on Dodge Ram 3500 insurance in Oklahoma City is why you’re here, then having an understanding of the best way to shop and compare insurance rates can make it simple to find affordable coverage.

Insurance rate breakdown

The premium information displayed below highlights detailed analysis of insurance policy prices for Dodge Ram 3500 models. Having a good grasp of how car insurance premiums are calculated can help you make decisions on the best policy coverages.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums considerably.

Where to set your deductibles

A question often asked by Oklahoma City drivers is how high should your deductibles be. The comparison tables below can help show the differences in premium rates of buying low and high policy deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific zip code location which can influence prices greatly.

Based on the data above, we can derive that using a $100 deductible costs an average of $59 more each month or $708 a year averaged for all Ram 3500 models than opting for the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 15 months between claims, you would probably come out ahead by selecting a higher deductible. The numbers below show a better example of how you can decide this on your own policy.

The chart below highlights how deductible selection and can change Dodge Ram 3500 insurance prices for different age categories. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Affordable rates by applying these ten discounts

Car insurance companies don’t always publicize all possible discounts in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous credits available to lower your premiums when you buy Oklahoma City car insurance online.

• Multiple Cars – Buying insurance for multiple cars with the same company can get a discount for every vehicle.
• Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company you may earn as much as 10 to 15 percent.
• Senior Citizen Discount – Seniors could receive lower premium rates.
• Paperless Signup – Some of the larger companies may give you up to $50 just for signing your application on their website.
• Save with a New Car – Putting coverage on a new Ram 3500 can be considerably cheaper compared to insuring an older model.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy a life insurance policy as well.
• Telematics Devices – People who choose to allow driving data collection to look at driving habits by using a telematics device such as Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
• Early Switch Discount – A few insurance companies give discounts for switching policies prior to your current Ram 3500 insurance policy expiration. It could save around 10% when you buy Oklahoma City car insurance online.
• Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
• Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.

Don’t be shocked that some credits don’t apply to the whole policy. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The information below compares Dodge Ram 3500 annual premium costs with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving citations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, multi-car, and homeowner discounts applied.

Large car insurance companies and the discounts they provide can be read below.

• State Farm offers discounts for good driver, safe vehicle, passive restraint, driver’s education, and Steer Clear safe driver discount.
• Progressive discounts include multi-policy, homeowner, online quote discount, online signing, good student, and multi-vehicle.
• Travelers offers premium reductions for good student, new car, early quote, driver training, and multi-car.
• American Family offers discounts including Steer into Savings, good driver, good student, early bird, and multi-vehicle.
• Liberty Mutual includes discounts for multi-policy, new graduate, exclusive group savings, preferred payment discount, multi-car, and newly retired.

If you need affordable Dodge Ram 3500 insurance quotes, ask each insurance company to apply every possible discount. Discounts might not be offered on policies everywhere. To choose providers who offer free Dodge Ram 3500 insurance quotes in Oklahoma City, follow this link.

What insurance coverages do you need?

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Auto liability

This can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims such as medical expenses, repair costs for stationary objects, loss of income, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible. Oklahoma state law requires minimum liability limits of 25/50/25 but you should consider buying better liability coverage.

The illustration below demonstrates why buying low liability limits may not be adequate coverage.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like theft, vandalism, a tree branch falling on your vehicle and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays for damage to your Ram 3500 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, rolling your car, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Ram 3500 to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits (25/50/25 in Oklahoma), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like pain medications, chiropractic care and ambulance fees. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Best auto insurance company in Oklahoma City

Finding a high-quality car insurance company is hard considering how many choices there are in Oklahoma City. The company ratings shown next could help you pick which auto insurance companies to look at shopping prices with.

Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Top 10 Oklahoma City Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

Don’t give up on cheaper premiums

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits only to regret they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

We’ve covered some good ideas how you can get a better price on Dodge Ram 3500 insurance in Oklahoma City. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the most savings is with a lesser-known regional company. These smaller insurers may only write in your state and offer lower auto insurance rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Steps to finding low-cost Dodge Ram 3500 insurance in Oklahoma City

The easiest way to get cheaper Dodge Ram 3500 insurance in Oklahoma City is to annually compare prices from different companies that insure vehicles in Oklahoma. Prices can be compared by following these guidelines.

1. Take a few minutes and learn about how companies set rates and the things you can change to drop your rates. Many policy risk factors that result in higher prices like accidents, careless driving, and a poor credit score can be eliminated by being financially responsible and driving safely.
2. Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agencies can give you price quotes from multiple sources.
3. Compare the new quotes to your existing rates and determine if there is any savings. If you can save some money and make a switch, make sure coverage is continuous and does not lapse.

An important bit of advice to remember is that you’ll want to compare similar limits and deductibles on each quote request and and to look at as many different insurance providers as possible. This helps ensure the most accurate price comparison and many rates to choose from.

To read more, feel free to browse the resources below:

• Tools for Teen Driving Safety (State Farm)
• How Much is Auto Insurance for Drivers Over Age 60 in Oklahoma City? (FAQ)
• Who Has Affordable Auto Insurance for Handicapped Drivers in Oklahoma City? (FAQ)
• Who Has the Cheapest Auto Insurance for a Dodge Grand Caravan in Oklahoma City? (FAQ)
• Rollover Crash FAQ (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• What is Gap Insurance? (Insurance Information Institute)