How many times have you said it’s time to compare more affordable Dodge Ram 3500 insurance in Atlanta? Finding low-cost insurance for your Dodge Ram 3500 in Georgia can be an all-consuming task, but you can learn our car insurance buying tips to make it easier.
There are more efficient ways to shop for car insurance and we’ll show you the proper way to compare rates for your Dodge and find the best price possible from both online companies and Atlanta agents.
Amazingly, over 70% of drivers kept their policy with the same company for more than four years, and approximately 40% of consumers have never compared rates to find affordable insurance. Most drivers in Atlanta could pocket about 60% a year by just comparing quotes, but they assume it’s a waste of time to find affordable rates by getting comparison quotes.
It’s a good habit to price shop coverage quite often because car insurance rates are adjusted regularly by insurance companies. If you had the best premium rates on Dodge Ram 3500 insurance in Atlanta a year ago you may be paying too much now. There are a lot of ways to save on Ram 3500 insurance on the internet, but we’re going to give you some great ideas on how to stop overpaying for insurance in Atlanta.
Lowering your Dodge Ram 3500 car insurance rates is not a difficult process. The only thing you need to do is take a couple of minutes comparing free Atlanta auto insurance quotes from some recommended companies.
The companies shown below provide price comparisons in Georgia. If several companies are displayed, we suggest you visit several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 3500 Crew Cab Laramie 2WD||$254||$380||$406||$24||$122||$1,186||$99|
|Ram 3500 Crew Cab ST 2WD||$328||$550||$512||$30||$154||$1,574||$131|
|Ram 3500 Crew Cab ST 4WD||$362||$716||$666||$40||$200||$1,984||$165|
|Ram 3500 Crew Cab SLT 2WD||$224||$428||$414||$24||$124||$1,214||$101|
|Ram 3500 Mega Cab SLT 2WD||$404||$786||$512||$30||$154||$1,886||$157|
|Ram 3500 Mega Cab SLT 4WD||$328||$668||$566||$34||$170||$1,766||$147|
|Ram 3500 Crew Cab SLT 4WD||$200||$410||$554||$32||$166||$1,362||$114|
|Ram 3500 Crew Cab Laramie 4WD||$224||$484||$620||$36||$186||$1,550||$129|
|Ram 3500 Mega Cab Laramie 2WD||$224||$428||$414||$24||$124||$1,214||$101|
|Ram 3500 Crew Cab Laramie 2WD||$404||$854||$444||$26||$134||$1,862||$155|
|Ram 3500 Mega Cab Laramie 4WD||$252||$484||$602||$36||$180||$1,554||$130|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in your specific Atlanta location which can impact premium rates noticeably.
Dodge Ram 3500 liability rates compared to full coverage
The diagram below illustrates the difference between Dodge Ram 3500 yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, married female driver, and no discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive rule for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Dodge Ram 3500 claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If it’s costing you more than $600 annually for physical damage coverage, then it might be time to consider dropping full coverage.
There are some scenarios where only buying liability is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Safe drivers pay cheaper rates
The information below shows how speeding tickets and accident claims influence Dodge Ram 3500 auto insurance rates for different categories of driver ages. The rate quotes are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Dodge Ram 3500 insurance premiums by gender
The example below shows the comparison of Dodge Ram 3500 insurance premiums for male and female drivers. The rate quotes are based on no claims, a clean driving record, full coverage, $500 deductibles, drivers are single, and no policy discounts are applied.
Car insurance discounts are available for cheaper rates
Some insurance providers don’t always list the entire discount list in an easy-to-find place, so the list below contains both well-publicized as well as the least known credits available to bring down your rates. If you are not receiving all the discounts possible, you could be saving more on your car insurance.
- ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
- Clubs and Organizations – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings when shopping for car insurance.
- Waiver for an Accident – This one is not really a discount per se, but companies like GEICO, Progressive, and Allstate allow you one accident before they charge you more for coverage with the catch being you have to be claim-free for a specific time period.
- College Student – Children living away from Atlanta attending college and do not have a car could qualify for this discount.
- Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease with some car insurance companies.
- Anti-theft System – Vehicles that have factory anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- Sign Online – A few insurance companies will give you a small discount for signing up digitally online.
Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.
If you would like to see a list of companies who offer online Dodge Ram 3500 insurance quotes in Georgia, click here to view.
Get Cheaper Insurance with These Tips
When buying insurance it’s important to understand the factors that are used to determine your insurance rates. If you know what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower premium levels.
Uninterrupted coverage saves money – Not maintaining insurance is a big no-no and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay more, being ticketed for driving with no insurance could earn you a steep fine or even jail time. You may have to prove you have insurance by filing a SR-22 with the Georgia motor vehicle department.
Keep rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on higher rates. Companies in Georgia generally give discounts to people who are claim-free. Auto insurance is intended for claims that pose a financial burden.
Premiums are affected by your credit rating – Credit history is likely to be a major factor in determining what you pay. If your credit history is not that good, you could be paying less to insure your Dodge Ram 3500 by taking the time to improve your credit score. Drivers with excellent credit tend to file fewer claims than drivers with lower credit scores.
Gender and auto insurance prices – Statistics have proven women tend to be less risk to insure than men. It does not mean females are better drivers. Men and women get in auto accidents at a similar rate, but men have accidents that have higher claims. Not only that, but men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
Annual miles is a factor – The more you drive in a year’s time the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage get more affordable rates than cars that get driven a lot. Double check that your insurance declarations sheet shows the correct driver usage. Incorrect rating for your Ram 3500 may be wasting your money.
Save money by having multiple policies – Most major companies provide a discount to clients who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you qualify for this discount already, drivers will still want to compare other company rates to ensure the best deal.
Local Atlanta auto insurance agents and insurance
Certain consumers would prefer to get advice from a local agent and often times that is recommended Professional agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing rates online is that you can obtain cheap insurance quotes and still buy from a local agent. Putting coverage with local insurance agencies is important particularly in Atlanta.
To help locate an agent, after submitting this quick form, your insurance coverage information is transmitted to participating agents in Atlanta who will gladly provide quotes and help you find cheaper coverage. You never need to even leave your home as quotes are delivered to the email address you provide. If you wish to compare rates from a specific company, you just need to search and find their rate quote page to submit a rate quote request.
If you need to find a reliable insurance agency, it’s important to understand the different types of agencies and how they can service your needs differently. Insurance agents in Atlanta are either independent agents or exclusive agents. Either one can sell and service insurance coverage, but it’s important to point out the difference between them because it may have an impact on buying decisions.
Independent Insurance Agents (or Brokers)
These type of agents are not restricted to one company and that allows them to write policies with an assortment of companies and help determine which has the cheapest rates. If they find a lower price, they simply move the coverage in-house which makes it simple for you.
When comparing insurance rates, you should always get quotes from independent agents in order to compare the most rates. Most independent agents also contract with small mutual carriers who may have lower rates.
Below is a small list of independent insurance agencies in Atlanta that can give you price quotes.
- Morris and Templeton Insurance
3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
- Five Star Insurance Agency
191 Peachtree St NE Suite 3300 – Atlanta, GA 30303 – (678) 526-7979 – View Map
- Georgia Insurance Brokerage
193 Auburn Ave NE – Atlanta, GA 30303 – (404) 525-1600 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel work for only one company like Allstate and State Farm. They usually cannot compare other company’s rates so they have no alternatives for high prices. Exclusive insurance agents are trained well on the products they sell and that enables them to sell even at higher rates. A lot of people buy insurance from these agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below are Atlanta exclusive insurance agencies who can help you get rate quotes.
- Aaron Frazier – State Farm Insurance Agent
NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map
- GEICO Insurance Agent
3680 Cascade Rd c – Atlanta, GA 30331 – (404) 472-9003 – View Map
- Geoff Carlson – State Farm Insurance Agent
1465 Chattahoochee Ave NW #550 – Atlanta, GA 30318 – (678) 927-9977 – View Map
Choosing a insurance agency needs to be determined by more than just the premium amount. A good agent in Atlanta will have answers to these questions.
- What insurance company do they write the most business with?
- How often do they review coverages?
- Are there any discounts that you might be missing?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Can you use your own choice of collision repair facility?
- Do they receive special compensation for putting your coverage with one company over another?
- Is vehicle mileage a factor when determining depreciation for repairs?
Cheap car insurance rates are possible
Insureds leave their current company for any number of reasons including poor customer service, extreme rates for teen drivers, policy cancellation or unfair underwriting practices. Whatever your reason, finding the right car insurance provider can be less work than you think.
Some companies do not provide the ability to get a quote online and many times these regional carriers only sell coverage through independent agents. Cheap Dodge Ram 3500 insurance in Atlanta is possible from both online companies and from local insurance agents, so you should compare both so you have a total pricing picture.
As you restructure your insurance plan, do not buy poor coverage just to save money. Too many times, an accident victim reduced physical damage coverage only to find out that it was a big mistake. Your goal is to get the best coverage possible at the lowest possible cost.
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for a Hyundai Elantra in Atlanta? (FAQ)
- Who Has Affordable Atlanta Auto Insurance Quotes for a Honda Accord? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)
- Auto Insurance 101 (About.com)
- Things to Know Before you Cancel Insurance (Allstate)