Best Ways to Save on Columbus Dodge Ram 3500 Insurance

Want to learn how to find more affordable Dodge Ram 3500 insurance in Columbus? Overpriced auto insurance in Columbus can draw down your budget and make it impossible to make ends meet. Performing a rate comparison can help to lower your monthly bill.

Surprisingly, a recent survey revealed that the majority of drivers have bought auto insurance from the same company for at least the last four years, and almost 40% of drivers have never taken the time to shop around. Many drivers in the U.S. can save hundreds of dollars each year by just comparing quotes, but they don’t believe the big savings they would realize if they moved their coverage to a different company. Due to the fact that there are so many different company options, it can be difficult for drivers to locate the right insurer.

Locating the best rates in Columbus is actually not that difficult if you follow our advice. If you have insurance now, you should be able to shop for the lowest rates using the techniques covered below. You only need to know the proper way to compare price quotes online.

Lowering your car insurance rates can be surprisingly simple. Drivers just need to spend a few minutes on the computer getting comparison quotes online from several insurance companies.

Comparison shopping rate quotes online is easy and it replaces the need to actually drive to local Columbus insurance agencies. Doing it all online can eliminate the need for a local agent unless you’re the type of person who wants the professional assistance of a licensed agent. You can, however, get prices online and get advice from an agent in your area.

The providers in the list below are ready to provide free quotes in Columbus, OH. If multiple providers are shown, we recommend you compare several of them to get the best price comparison.

Cheaper Columbus insurance rates with discounts

The price of auto insurance can be rather high, but you may find discounts that many people don’t even know exist. Certain reductions will be credited at the time of quoting, but once in a while a discount must be requested specifically before you get the savings.

• Telematics Devices – Columbus drivers who agree to allow driving data collection to study their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
• Service Members Pay Less – Having a deployed family member could be rewarded with lower rates.
• Accident Forgiveness – Not necessarily a discount, but certain companies allow you one accident without getting socked with a rate hike if you are claim-free for a set time period.
• No Claims – Drivers with accident-free driving histories can save substantially in comparison to bad drivers.
• Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education if offered at their school.
• Own a Home and Save – Just being a homeowner can get you a discount since home ownership requires personal responsibility.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
• Senior Citizens – If you’re over the age of 55, you could receive a discount up to 10%.
• Discount for Good Grades – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.

The illustration below shows the difference between Dodge Ram 3500 premium costs with and without some available policy discounts. The costs are based on a female driver, no violations or claims, Ohio 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 safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.

Some of the larger companies who may offer these money-saving discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

Before purchasing a policy, check with each company how you can save money. Some credits might not apply in your area. If you would like to see a list of insurance companies that offer many of these discounts in Ohio, click here.

Rates and other information

The price information displayed next outlines estimates of insurance rates for Dodge Ram 3500 models. Having a better understanding of how auto insurance policy rates are determined can aid in making smart choices when comparing insurance rates.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate information does not factor in specific Columbus garaging location which can alter rates substantially.

Deductible comparison

When shopping for auto insurance, a common question is at what level do you set your deductibles. The rates shown below show the price difference when you choose different physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific Columbus garaging location which can influence prices substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $12 more each month or $144 for a full year averaged for all Ram 3500 models than buying the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claims, you would probably save some money going with the higher deductible.

One important issue to know is that increasing deductibles to lower your rates means you will have to pay more when you have to file a claim. That will force you to have enough extra money in order to pay the deductible for vehicle repair.

The illustration below shows how choosing a deductible and can impact Dodge Ram 3500 insurance prices for different insured age categories. The information is based on a single male driver, comp and collision included, and no discounts are taken into consideration.