Auto Insurance Rates for a Dodge Ram 3500 in Fort Worth

How long have you put off shopping around for low-cost Dodge Ram 3500 insurance in Fort Worth? Are you tired of robbing Peter to pay Paul to insure your Dodge every month? You are no different than many other Texas consumers.

Smart shoppers know that insurance companies don’t want you comparing rates. Drivers who compare rates once a year will probably buy a new policy because they stand a good chance of finding good coverage at a lower price. A study discovered that people who shopped around every year saved on average $3,450 over four years compared to those who didn’t regularly shop around.

If finding discount rates on auto insurance in Fort Worth is the reason for your visit, understanding how to get free comparison quotes and analyze coverages can help simplify the task of finding more affordable coverage.

Steps to buying discount Dodge Ram 3500 insurance in Fort Worth

If saving money is your primary concern, then the best way to get the cheapest Dodge Ram 3500 insurance in Fort Worth is to compare prices once a year from insurers who sell insurance in Texas.

• First, try to comprehend the different coverages in a policy and the measures you can control to drop your rates. Many policy risk factors that result in higher rates like speeding tickets, accidents and a not-so-good credit rating can be rectified by making minor changes in your lifestyle.
• Second, compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices from many different companies.
• Third, compare the new rate quotes to your existing coverage and determine if cheaper Ram 3500 coverage is available. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.

One thing to remember is that you’ll want to compare similar limits and deductibles on every price quote and and to get rates from as many carriers as you can. This provides an accurate price comparison and a complete selection of prices.

You have so many auto insurance companies to choose from, and although it’s a good thing to have a selection, too many choices makes it more difficult to adequately compare rates for Dodge Ram 3500 insurance in Fort Worth.

It’s a great practice to compare prices before your policy renews since insurance rates are adjusted regularly by insurance companies. Just because you found the lowest premium rates on Dodge Ram 3500 insurance in Fort Worth last year you may be paying too much now. Forget all the misinformation about car insurance because you’re about to find out how to quote online to reduce your cost while improving coverage.

Our objective in writing this article is to familiarize you with the most effective ways to compare rates. If you currently have a car insurance policy, you should be able to buy cheaper auto insurance using the ideas presented in this article. Smart shoppers only need to know the most efficient way to compare price quotes over the internet.

The best way we recommend to compare policy rates for Dodge Ram 3500 insurance in Fort Worth is to know all the major auto insurance companies allow for online access to compare their rates. The one thing you need to do is give the companies some data like how you use your vehicles, whether or not you need a SR-22, driver details, and if you lease or own. That rating data is instantly sent to multiple different insurance companies and they return cost estimate instantly to find the best rate.

If you wish to get multiple quotes for your car now, click here and complete the form.

The companies in the list below are our best choices to provide comparison quotes in Fort Worth, TX. If multiple providers are shown, we suggest you click on several of them in order to find the most competitive rates.

These discounts can lower Dodge Ram 3500 insurance rates

Car insurance companies don’t list all possible discounts very well, so we researched both the well known and the harder-to-find discounts that may be available.

• Good Student – Excelling in school may save you up to 25%. The discount lasts until age 25.
• Memberships – Being in a civic or occupational organization in Fort Worth is a simple method to lower premiums when shopping for auto insurance.
• Seat Belt Usage – Forcing all vehicle occupants to buckle up can save a little on medical payment and PIP coverage.
• Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% than less cautious drivers.
• Senior Citizen Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums.
• Auto/Life Discount – Some auto insurance companies give a lower rate if you buy a life policy as well.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.

We need to note that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, that’s just not realistic.

The example below illustrates the difference between Dodge Ram 3500 premium costs with and without some available policy discounts. The premiums are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, multi-car, claim-free, and marriage discounts applied.

A few of the larger companies and a partial list of their discounts can be read below.

• GEICO offers discounts for membership and employees, air bags, five-year accident-free, daytime running lights, anti-lock brakes, and multi-policy.
• Travelers policyholders can earn discounts including driver training, good student, multi-policy, hybrid/electric vehicle, student away at school, and multi-car.
• Nationwide includes discounts for multi-policy, defensive driving, easy pay, business or organization, and good student.
• Farmers Insurance offers premium reductions for business and professional, distant student, pay in full, alternative fuel, and good student.
• Esurance may offer discounts for safety device, defensive driver, anti-theft, homeowner, good student, and Pac-12 alumni.
• State Farm has discounts for good student, defensive driving training, good driver, multiple autos, multiple policy, and accident-free.
• Progressive discounts include multi-policy, homeowner, good student, online quote discount, and multi-vehicle.
• Mercury Insurance may have discounts that include anti-theft, professional/association, annual mileage, multi-car, age of vehicle, and location of vehicle.

If you want low cost Fort Worth car insurance quotes, ask every company to give you their best rates. Some of the earlier mentioned discounts may not apply in your area. For a list of providers with discount auto insurance rates in Fort Worth, follow this link.

Rates and data analysis

The premium information displayed below highlights a range of insurance coverage prices for Dodge Ram 3500 models. Learning more about how car insurance premiums are calculated is important to be able to make smart policy decisions.

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

Deductible comparison

A question often asked by Fort Worth drivers is how high should the deductibles for physical damage be. The following tables highlight the cost difference between high and low comp and collision deductibles. The first set of rates uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Prices do not factor in your specific Fort Worth location which can alter price quotes substantially.

Based on the figures above, using a $250 deductible will cost you approximately $35 more each month or $420 each year than buying the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 21 months between claim filings, you would come out ahead if you choose the higher deductible.

The example below illustrates how your choice of deductibles and can impact Dodge Ram 3500 annual premium costs for different categories of driver ages. Data assumes a single female driver, full coverage, and no discounts are applied to the premium.

Should you buy full coverage?

The illustration below shows the comparison of Dodge Ram 3500 insurance premiums with liability coverage only compared to full coverage. The price estimates are based on no accidents or driving violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.

When to drop comprehensive and collision

There is no exact rule for excluding physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Dodge Ram 3500 claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $2,000 after you pay the deductible. If it’s costing you more than $200 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some scenarios where removing full coverage is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Five factors that determine insurance costs

Lots of factors are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, although others are not as apparent like your continuous coverage or how safe your car is.

Listed below are some of the things used by companies to determine rates.

• Incidental coverages push up costs – There are quite a few extra coverages that sound like a good idea at the time on your Ram 3500 policy. Insurance for things like roadside assistance, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past get rid of them and save.
• Too many auto insurance claims will drive auto insurance rates up – If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies in Texas provide lower rates to drivers that do not abuse their auto insurance. Your car insurance is designed for larger claims.
• Safer cars lower prices – Vehicles that have high safety ratings can get you lower premiums. These vehicles reduce occupant injuries and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders.

• Type of car, truck or SUV determines base costs – The type of car you need insurance for makes a substantial difference in how high your rates are. The best insurance prices will normally be found when insuring small economy passenger cars, but the cost you end up paying is determined by many additional factors.

  The data below is based on a married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It compares Dodge Ram 3500 policy rates compared to other models that have different risk factors.

• Tickets can increase prices – Your driving citation history impacts premiums far more than you think. Good drivers receive lower rates than bad drivers. Only having one driving citation may increase your cost by as much as twenty percent. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.

  The information below demonstrates how speeding tickets and at-fault accidents can influence Dodge Ram 3500 auto insurance costs for different insured age categories. The premiums assume a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.