Would you prefer to buy more affordable Dodge Ram 3500 insurance in Pittsburgh? Shopping for low-cost Pittsburgh Dodge Ram 3500 insurance quotes online can be rather challenging for consumers new to quoting and shopping for insurance on the web. Because there are so many online companies available, how can consumers possibly compare every company to locate the best available rates?
Steps to finding discount Dodge Ram 3500 insurance in Pittsburgh
It takes a little time, but the best way to find more affordable Dodge Ram 3500 insurance is to regularly compare price quotes from providers who provide auto insurance in Pittsburgh. Rate comparisons can be done by following these steps.
- First, spend a few minutes and learn about the coverage provided by your policy and the things you can control to prevent expensive coverage. Many factors that cause rate increases such as traffic tickets, fender benders, and a bad credit score can be controlled by making minor changes to your lifestyle. This article gives additional ideas to get affordable coverage and earn larger discounts.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can quote prices for a wide range of insurance providers.
- Third, compare the new quotes to your existing rates and determine if there is any savings. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
- Fourth, tell your current company to cancel the current policy. Submit a completed application and payment for the new coverage. As soon as coverage is bound, put the certificate verifying coverage with the vehicle registration.
The critical component of shopping around is that you’ll want to compare similar limits and deductibles on every quote and and to get rate quotes from as many different insurance providers as possible. Doing this helps ensure the most accurate price comparison and a complete selection of prices.
A recent NerdWallet.com study revealed that the vast majority of drivers kept buying from the same company for four years or more, and about 40% of consumers have never compared rates to find affordable insurance. U.S. drivers could save $859 each year just by getting comparison quotes, but they underestimate the actual amount they would save if they switched.
Consumers should take time to get comparison quotes before your next renewal because rates trend upward over time. Even if you think you had the best rate on Dodge Ram 3500 insurance in Pittsburgh a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to find out how to use the internet to lower your rates without sacrificing coverage.
Buying affordable insurance in Pittsburgh can be easy if you know a few tricks. In essence, each driver who is required by state law to have insurance stands a good chance to be able to cut their insurance bill. But Pennsylvania drivers need to have an understanding of how big insurance companies sell online because rates fluctuate considerably.
Get cheaper rates on Dodge Ram 3500 insurance in Pittsburgh with these insurance discounts
Companies don’t always advertise the complete list of policy discounts very well, so we researched some of the best known and also the more inconspicuous discounts that you may qualify for.
- Theft Deterrent System – Vehicles with anti-theft systems prevent vehicle theft and will qualify for a discount on a Pittsburgh auto insurance quote.
- Driver Safety – Taking a course that instructs on driving safety may get you a small discount if you qualify.
- Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from Pittsburgh and leave their car at home could qualify for this discount.
- Drive Less and Save – Driving less can earn substantially lower prices.
- Bundled Policy Discount – If you combine your auto and home policies and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
- Lower Rates for Military – Being deployed in the military could mean lower insurance rates.
One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount will reduce the cost of your policy.
The illustration below compares Dodge Ram 3500 premium costs with and without discounts. The data assumes a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, marriage, and claim-free discounts applied.
A list of insurance companies and their offered discounts are outlined below.
- GEICO includes discounts for emergency military deployment, federal employee, multi-policy, good student, military active duty, membership and employees, and driver training.
- Travelers has discounts for IntelliDrive, student away at school, new car, payment discounts, and home ownership.
- Nationwide discounts include easy pay, anti-theft, multi-policy, Farm Bureau membership, and accident-free.
- Farmers Insurance may offer discounts for bundle discounts, switch companies, pay in full, business and professional, homeowner, distant student, and early shopping.
- Esurance offers premium reductions for anti-lock brakes, multi-policy, good student, claim free, and homeowner.
- State Farm may include discounts for student away at school, anti-theft, accident-free, driver’s education, good student, and good driver.
- Progressive may have discounts that include online signing, online quote discount, multi-policy, multi-vehicle, homeowner, and good student.
- Mercury Insurance offers discounts for ease of repair, low natural disaster claims, multi-policy, good driver, multi-car, age of vehicle, and type of vehicle.
Before purchasing a policy, check with all the companies to apply every possible discount. Some discounts listed above may not be offered in your area.
It’s important to know that having more price comparisons will enable you to find a lower rate.
The companies in the list below can provide price quotes in Pittsburgh, PA. If multiple companies are listed, we recommend you visit several of them to find the most competitive car insurance rates.
Detailed insurance information
The rate table displayed next covers different policy rates for Dodge Ram 3500 models. Having a good grasp of how prices are formulated can help you make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $152 | $264 | $372 | $22 | $112 | $922 | $77 |
| Ram 3500 Crew Cab ST 2WD | $188 | $312 | $372 | $22 | $112 | $1,006 | $84 |
| Ram 3500 Crew Cab ST 4WD | $188 | $358 | $558 | $34 | $168 | $1,306 | $109 |
| Ram 3500 Crew Cab SLT 2WD | $188 | $358 | $372 | $22 | $112 | $1,052 | $88 |
| Ram 3500 Mega Cab SLT 2WD | $188 | $358 | $372 | $22 | $112 | $1,052 | $88 |
| Ram 3500 Mega Cab SLT 4WD | $188 | $406 | $558 | $34 | $168 | $1,354 | $113 |
| Ram 3500 Crew Cab SLT 4WD | $188 | $406 | $558 | $34 | $168 | $1,354 | $113 |
| Ram 3500 Crew Cab Laramie 4WD | $188 | $406 | $558 | $34 | $168 | $1,354 | $113 |
| Ram 3500 Mega Cab Laramie 2WD | $188 | $358 | $372 | $22 | $112 | $1,052 | $88 |
| Ram 3500 Crew Cab Laramie 2WD | $188 | $358 | $372 | $22 | $112 | $1,052 | $88 |
| Ram 3500 Mega Cab Laramie 4WD | $188 | $406 | $558 | $34 | $168 | $1,354 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in garaging location in Pittsburgh which can decrease or increase rates considerably.
Policy deductible comparison
When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The comparisons below illustrate the rate fluctuation of buying low and high comp and collision deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Ram 3500 Crew Cab ST 2WD | $392 | $602 | $330 | $20 | $98 | $1,467 | $122 |
| Ram 3500 Crew Cab ST 4WD | $392 | $694 | $494 | $30 | $148 | $1,783 | $149 |
| Ram 3500 Crew Cab SLT 2WD | $392 | $694 | $330 | $20 | $98 | $1,559 | $130 |
| Ram 3500 Mega Cab SLT 2WD | $392 | $694 | $330 | $20 | $98 | $1,559 | $130 |
| Ram 3500 Mega Cab SLT 4WD | $392 | $786 | $494 | $30 | $148 | $1,875 | $156 |
| Ram 3500 Crew Cab SLT 4WD | $392 | $786 | $494 | $30 | $148 | $1,875 | $156 |
| Ram 3500 Crew Cab Laramie 4WD | $392 | $786 | $494 | $30 | $148 | $1,875 | $156 |
| Ram 3500 Mega Cab Laramie 2WD | $392 | $694 | $330 | $20 | $98 | $1,559 | $130 |
| Ram 3500 Crew Cab Laramie 2WD | $392 | $694 | $330 | $20 | $98 | $1,559 | $130 |
| Ram 3500 Mega Cab Laramie 4WD | $392 | $786 | $494 | $30 | $148 | $1,875 | $156 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Ram 3500 Crew Cab ST 2WD | $218 | $318 | $330 | $20 | $98 | $984 | $82 |
| Ram 3500 Crew Cab ST 4WD | $218 | $366 | $494 | $30 | $148 | $1,256 | $105 |
| Ram 3500 Crew Cab SLT 2WD | $218 | $366 | $330 | $20 | $98 | $1,032 | $86 |
| Ram 3500 Mega Cab SLT 2WD | $218 | $366 | $330 | $20 | $98 | $1,032 | $86 |
| Ram 3500 Mega Cab SLT 4WD | $218 | $414 | $494 | $30 | $148 | $1,304 | $109 |
| Ram 3500 Crew Cab SLT 4WD | $218 | $414 | $494 | $30 | $148 | $1,304 | $109 |
| Ram 3500 Crew Cab Laramie 4WD | $218 | $414 | $494 | $30 | $148 | $1,304 | $109 |
| Ram 3500 Mega Cab Laramie 2WD | $218 | $366 | $330 | $20 | $98 | $1,032 | $86 |
| Ram 3500 Crew Cab Laramie 2WD | $218 | $366 | $330 | $20 | $98 | $1,032 | $86 |
| Ram 3500 Mega Cab Laramie 4WD | $218 | $414 | $494 | $30 | $148 | $1,304 | $109 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in specific location which can revise price quotes substantially.
We can derive from the above data that using a $100 deductible would cost the average driver about $44 more each month or $528 every year than buying the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 20 months between claim filings, you would most likely save money if you choose a higher deductible. Here is the way you can make your own decision.
| Average monthly premium for $100 deductibles: | $139 |
| Average monthly premium for $1,000 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $44 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $44 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
One important issue to know is that a higher deductible level means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You should have enough money in the bank in order to pay more for the deductible.
The illustration below shows how choosing a deductible and can raise or lower Dodge Ram 3500 yearly insurance costs for different age groups of insureds. The rates are based on a single male driver, comp and collision included, and no discounts are applied.
Dodge Ram 3500 insurance rates by gender
The information below illustrates the difference between Dodge Ram 3500 car insurance rates for male and female drivers. The prices are based on no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are taken into consideration.
Insurance Rate Influencing Factors
When buying auto insurance it’s important to understand some of the factors that play a part in calculating the rates you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.
The factors shown below are most of the major factors used by your company to calculate premiums.
Consider raising deductibles – Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Dodge. Some instances where coverage would apply are running into the backend of another car, vandalism, and damage from a fallen tree branch. Deductibles for physical damage tell how much you are willing to pay in the event of a claim. The more expense you have to pay, the bigger discount you will receive.
Pay less with a high safety rating – Cars with five star safety ratings get lower rates. Highly rated vehicles have better occupant injury protection and lower injury rates means less claims paid and more competitive rates for policyholders. If your Dodge Ram 3500 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Do you know you’re credit rating? – Having a good credit rating can be an important factor in calculating your premium rate. Insureds that have very good credit scores tend to be more responsible than drivers who have lower credit ratings. If your credit rating is low, you could pay less to insure your Dodge Ram 3500 by spending a little time repairing your credit.
Premiums are high for teenagers – Older, more experienced drivers are more cautious drivers, statistically cause fewer accidents, and receive fewer citations. Teen drivers have been known to get distracted easily when behind the wheel so they pay higher auto insurance rates.
The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Stay claim-free and lower rates – If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance companies in Pennsylvania give discounts to people who do not file claims often. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
When to get professional advice
When it comes to insurance from an agent or online, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.
These are some specific questions might help in determining whether you might need an agent’s assistance.
- What is the difference between personal and commercial auto insurance policies?
- Am I covered if I hit a deer?
- Am I insured when driving a different vehicle?
- Is there a penalty for late payment?
- Is a new car covered when I drive it off the dealer lot?
- Do I benefit by insuring my home with the same company?
- Can my babysitter drive my car?
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.
Insurance agents near you
A small number of people just prefer to sit down and talk to an agent and that can be a great decision A good thing about comparing rate quotes online is that you can obtain cheap insurance quotes but still work with a licensed agent.
After completing this simple form, your insurance data is transmitted to participating agents in Pittsburgh who will give you quotes for your coverage. You don’t have to contact an agency because prices are sent to you. You can find the lowest rates without a big time investment. If you have a need to get a comparison quote from a particular provider, you would need to search and find their rate quote page and complete a quote there.
Deciding on an insurer needs to be determined by more than just the premium amount. Some important questions to ask are:
- Is insurance their full-time profession?
- What insurance companies do they recommend if they are an independent agent?
- How much experience to they have in personal lines coverages?
- Are they able to provide referrals?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agency have a positive business rating?
- Which insurance company do they prefer to write with?
Why you need car insurance
Even though it can be expensive, buying car insurance is mandatory in Pennsylvania but it also protects more than you think.
- Most states have compulsory liability insurance requirements which means you are required to buy specific limits of liability in order to license the vehicle. In Pennsylvania 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 your Dodge has a loan, more than likely the lender will make it mandatory that you have insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Dodge at a more expensive rate and force you to pay the higher premium.
- Car insurance preserves both your Dodge Ram 3500 and your assets. Insurance will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage.
The benefits of carrying adequate insurance outweigh the cost, particularly for liability claims. As of last year, the average driver in Pennsylvania is overpaying more than $810 a year so we recommend shopping around each time the policy renews to save money.
Which car insurance company is best in Pittsburgh?
Choosing the right car insurance company can be challenging considering how many different insurance companies sell coverage in Pennsylvania. The rank data shown next may help you select which car insurance providers to look at purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Persistence is the key to cheap rates
Cost effective Dodge Ram 3500 insurance is available both online in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance companies don’t offer online quoting and many times these regional carriers prefer to sell through independent agents.
When getting Pittsburgh auto insurance quotes online, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits and found out when filing a claim that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.
Insureds switch companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason, finding a new company is less work than it seems.
Steps to finding more affordable Dodge Ram 3500 insurance in Pittsburgh
It takes a little time, but the best way to get low-cost auto insurance rates in Pittsburgh is to start comparing prices regularly from insurance carriers that sell auto insurance in Pennsylvania. This can be done by following these guidelines.
- Take a few minutes and learn about what is in your policy and the measures you can take to lower rates. Many policy risk factors that result in higher prices such as at-fault accidents and a bad credit rating can be improved by improving your driving habits or financial responsibility.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple sources.
- Compare the quotes to your existing coverage to see if cheaper Ram 3500 coverage is available. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide notification to your current agent or company to cancel your current auto insurance policy. Submit a signed application and payment for the new coverage. Be sure to keep your new proof of insurance paperwork somewhere easily accessible.
An important part of this process is to use the same deductibles and limits on each quote and and to get rate quotes from all possible companies. This enables an apples-to-apples comparison and the best price quote selection.
Additional information
- Collision Insurance Coverage (Nationwide)
- Who Has Affordable Car Insurance for Immigrants in Pittsburgh? (FAQ)
- How Much is Pittsburgh Car Insurance After a Speeding Ticket? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for a Honda Civic in Pittsburgh? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- Choosing a Car for Your Teen (State Farm)