Compare Dodge Ram 3500 Insurance Rate Quotes in Irvine

Do you want to learn to get more competitive car insurance rates in Irvine, CA? Irvine shoppers have many options when shopping for affordable Dodge Ram 3500 insurance. You can either waste hours calling around to compare prices or utilize the internet to make rate comparisons.

There is a better way to shop for car insurance and we’ll show you the proper way to quote coverages for a new or used Dodge and obtain the cheapest rates from Irvine insurance agents and online providers.

You should take the time to take a look at other company’s rates occasionally because prices change frequently. Just because you had the best rates on Dodge Ram 3500 insurance in Irvine two years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about car insurance because we’re going to show you the only way to properly buy coverages and cut your premium.

Reducing your Dodge Ram 3500 insurance rates can be surprisingly simple. The only thing you need to do is take the time comparing rates provided by online insurance companies.

The companies shown below are ready to provide price comparisons in Irvine, CA. If your goal is to find cheap car insurance in California, we recommend you visit as many as you can in order to find the lowest rates.

Rates and information analytics

The rate information below showcases a range of insurance policy prices for Dodge Ram 3500 models. Being more informed about how rates are determined is important for you to make smart choices when comparing insurance rates.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific location which can alter premiums significantly.

Can higher deductibles save money?

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The data tables below approximate the costs and benefits when you choose different deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific Irvine garaging location which can modify insurance rates significantly.

Based on the above data, using a $100 deductible costs roughly $58 more each month or $696 for a full year than choosing the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 16 months between claims, you would probably come out ahead if you opt for a higher deductible.

The example below highlights how deductible choice and can increase or decrease Dodge Ram 3500 annual premium costs for different categories of driver ages. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Rate difference between full and liability-only coverage

The chart below illustrates the comparison of Dodge Ram 3500 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Guidelines for dropping full coverage

There is no set rule to stop buying full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Dodge Ram 3500 settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $2,000 after paying the physical damage deductible. If it’s costing you more than $200 a year to have full coverage, then it may be the right time to buy liability only.

There are some conditions where only buying liability is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Why you need insurance

Even though Irvine Ram 3500 insurance rates can get expensive, buying insurance serves an important purpose.

• Most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a lien on your Dodge, almost all lenders will force you to buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may buy a policy for your Dodge for a much higher rate and force you to pay a much higher amount than you were paying before.
• Insurance preserves not only your Dodge but also your financial assets. It will also provide coverage for hospital and medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If your Dodge gets damaged, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of carrying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. The average driver in America is currently overpaying as much as $869 every year so compare rates each time the policy renews to be sure current rates are still competitive.

Get Dodge Ram 3500 Insurance at a Discount

Many things are part of the equation when you get your auto insurance bill. Some are obvious like your driving record, but others are less obvious like your vehicle usage or your vehicle rating. When buying auto insurance it’s important to understand some of the factors that come into play when calculating your premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.

• Is your vehicle theft-ready? – Selecting a car model with advanced anti-theft systems can earn a premium discount. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
• How much liability coverage do you need? – A critical coverage on your policy, liability insurance kicks in in the event that you are responsible for physical damage or personal injury to other. Your liability coverage provides you with a defense in court starting from day one. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
• Frequent auto insurance claims will cost you more – If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies in California award the best rates to policyholders who file claims infrequently. Your insurance policy is meant to be used in the event of more catastrophic claims.

• Women tend to cost less – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Men and women cause fender benders in similar numbers, but the males have costlier accidents. Men also tend to get ticketed for serious violations like reckless driving and DUI. Male teenagers are most likely to cause an accident so it costs more to insure them.

  The example below visualizes the comparison of Dodge Ram 3500 annual premium costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are factored in.

One last thing about your coverage

Some insurance providers may not have rate quotes online and usually these small, regional companies only sell coverage through independent agencies. More affordable auto insurance in Irvine can be bought both online as well as from independent agents in Irvine, and you need to price shop both so you have a total pricing picture.

You just learned a lot of techniques to lower your Dodge Ram 3500 insurance prices in Irvine. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest prices are with the least-expected company.

When getting Irvine auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Steps to finding cheaper Dodge Ram 3500 insurance in Irvine

If you want to find the absolute lowest rates, then the best way to find cheaper Dodge Ram 3500 insurance in Irvine is to start doing an annual price comparison from insurers who can sell car insurance in California.

• First, get an understanding of coverages and the modifications you can make to prevent rate increases. Many policy risk factors that drive up the price like speeding tickets, careless driving and a not-so-good credit score can be amended by being financially responsible and driving safely.
• Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple companies.
• Third, compare the new rate quotes to the premium of your current policy and determine if cheaper Ram 3500 coverage is available. If you find better rates, make sure there is no lapse in coverage.
• Fourth, provide written notification to your current company of your decision to cancel your current auto insurance policy. Submit payment and a signed application for your new coverage. As soon as you have the new policy, safely store the proof of insurance certificate in a readily accessible location in your vehicle.

A tip to remember is that you’ll want to compare the same coverage limits and deductibles on every price quote and and to compare as many different companies as possible. This helps ensure a level playing field and a complete selection of prices.

Additional detailed information can be read in these articles:

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• What Car Insurance is Cheapest for a Learners Permit in Irvine? (FAQ)
• Who Has Cheap Auto Insurance Rates for a Dodge Grand Caravan in Irvine? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)