Save Money on Dodge Ram 3500 Insurance in Toledo

Want to know an easy way to compare the cheapest auto insurance rates in Toledo, OH? Toledo shoppers have a choice when shopping for the lowest priced Dodge Ram 3500 insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to compare auto insurance rates and we’ll show you the quickest way to price shop coverage for your Dodge and find the cheapest rates either online or from Toledo insurance agents.

A recent study showed that a large majority of drivers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never quoted auto insurance rates at all. Many drivers in America could save almost 47% every year, but they just don’t understand how easy it is to do a rate comparison.

It’s smart to check auto insurance prices occasionally because prices are rarely the same from one policy term to another. If you had the lowest rates on Dodge Ram 3500 insurance in Toledo at your last renewal a different company probably has better premium rates today. Ignore everything you know about auto insurance because you’re about to learn the quickest way to save money, get proper coverage and the best rates.

If you have insurance now or need new coverage, you can use these techniques to get lower rates while maximizing coverage. Our objective in writing this article is to help you learn the best methods to compare rates and some money-saving tips. Vehicle owners just need to learn the best way to compare different rates online from multiple companies.

Don’t overlook these Dodge Ram 3500 insurance discounts

Car insurance companies don’t list all available discounts very clearly, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save 10% or more off the medical payments premium.
• Onboard Data Collection – Toledo drivers who agree to allow driving data submission to scrutinize their driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as the data is positive.
• Mature Driver Discount – Seniors can possibly qualify for a slight reduction on a Toledo car insurance quote.
• Clubs and Organizations – Being in qualifying employment or professional organizations is a simple method to lower premiums when shopping for insurance.
• More Vehicles More Savings – Insuring multiple cars on the same insurance policy qualifies for this discount.

Policy discounts save money, but most discounts do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will definitely reduce your overall premium however.

The example below illustrates the comparison of Dodge Ram 3500 premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

Car insurance companies that possibly offer these discounts may include but are not limited to:

• State Farm
• GEICO
• SAFECO
• Farmers Insurance
• AAA
• USAA

Before you buy a policy, ask every insurance company how you can save money. All car insurance discounts might not be offered on policies in Toledo. For a list of insurance companies who offer insurance discounts in Ohio, follow this link.

Compare quotes for Toledo Dodge Ram 3500 insurance

Most companies such as Progressive, GEICO, Allstate and State Farm make it easy to get insurance quotes online. Doing online quotes for Dodge Ram 3500 insurance in Toledo is quite simple as you simply type in the coverages you want as requested by the quote form. Upon sending the form, the company’s rating system automatically orders information on your driving record and credit history and quotes a price.

The ability to get online rates for Dodge Ram 3500 insurance in Toledo simplifies rate comparisons, and it is imperative to get many rate quotes if you are searching for a better rate.

To save time and get comparison pricing now, compare quotes from the companies shown below. If you currently have coverage, we recommend you type in the insurance coverages as close as possible to your current policy. Doing this guarantees you will get rate quotes using the exact same coverages.

The car insurance companies shown below provide free rate quotes in Toledo, OH. If multiple companies are listed, it’s highly recommended you compare several of them to find the most competitive car insurance rates.

Dodge Ram 3500 coverage statistics

The table shown next covers detailed analysis of insurance rates for Dodge Ram 3500 models. Having knowledge of how rates are calculated can be valuable when making smart choices when choosing a car insurance company.

Data based on 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-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates considerably.

Rate comparison for different deductibles

One of the most common car insurance questions is how high or low should comp and collision deductibles be. The following tables may help you to understand the rate differences when you buy lower versus higher physical damage deductibles. The first data table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in vehicle garaging location which can increase or decrease price quotes noticeably.

We can derive from the above data that using a $250 deductible will cost you approximately $22 more each month or $264 annually than selecting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 34 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

One important note is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a physical damage claim. You should have some non-essential savings in the event you have to pay the deductible.

Insurance Rate Influencing Factors

Consumers need to have an understanding of the different types of things that are used to determine the price you pay for insurance. When you understand what impacts premium levels, this allows you to make good choices that could result in lower premium levels.

• Pay more by driving carelessly – Good drivers pay less for auto insurance compared to drivers with tickets. Getting just one speeding ticket or other violation can bump up the cost twenty percent or more. Drivers who have gotten multiple citations such as DWI, reckless driving or hit and run convictions may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.

  The chart below demonstrates how citations and fender-benders can raise Dodge Ram 3500 car insurance rates for different categories of driver ages. The data is based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.

• Liability coverage is cheap – Your insurance policy’s liability coverage will afford coverage if you are responsible for damages caused by your negligence. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not skimp.
• Extra coverages can add up – There are a lot of additional coverages that can waste your money when buying insurance. Coverage for things like roadside assistance, accidental death, and extra life insurance coverage may not be needed and are just wasting money. They may seem good when you first buy your policy, but if you’ve never needed them in the past remove them and pocket the money.
• Use but don’t abuse your insurance – Companies in Ohio give most affordable rates to drivers who file claims infrequently. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Your car insurance is designed for the large, substantial claims.
• Where you live plays a part – Residing in small towns and rural areas may provide you with better prices when it comes to insurance. People in densely populated areas tend to have more auto accidents and longer commutes to work. Fewer drivers on the road means less chance of accidents as well as less vandalism and auto theft.
• High credit history translates to low premiums – Credit score can be an important factor in determining what you pay. If your credit score is lower than you’d like, you may save money insuring your Dodge Ram 3500 by improving your rating. Insureds that have high credit ratings tend to file fewer claims and have better driving records than drivers who have bad credit.
• Save money by raising comp and collision deductibles – Protection for physical damage, also called ‘full coverage’, helps pay for damage to your vehicle. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and damage from a fallen tree branch. Deductibles for physical damage represent how much money you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.

• Men pay more for auto insurance – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that males are worse at driving than females. They both get in auto accidents at a similar rate, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets like reckless driving and DUI. Males from age 16 to 21 cause the most accidents and therefore are the most expensive to insure.

  The example below shows the comparison of Dodge Ram 3500 annual premium costs for male and female drivers. The prices are based on no claims or driving citations, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Shop online but buy locally

Some consumers prefer to talk to an insurance agent and that is recommended in a lot of cases Agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of getting online price quotes is that you can find the best rates and also buy local. And buying from neighborhood agents is important particularly in Toledo.

After filling out this form (opens in new window), your insurance data is emailed to insurance agents in Toledo that can provide free Toledo car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to leave your computer as quotes are delivered straight to your inbox. If you need to quote rates from one company in particular, feel free to go to their quote page and give them your coverage information.

Toledo car insurance agents are either independent or exclusive

When looking for a reliable insurance agency, it’s important to understand the types of insurance agents and how they can service your needs differently. Agencies in Toledo can either be independent agents or exclusive agents depending on their employer. Either type can write policy coverage, but we need to point out why they differ because it can influence the selection process.

Independent Auto Insurance Agencies

Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage with many different companies and find you the best rates. If you want to switch companies, they simply move the coverage in-house which requires no work on your part. If you need cheaper auto insurance rates, we recommend you include rate quotes from a couple of independent agencies to maximize your price options. Most also write with small regional insurance companies that may have much lower rates than larger companies.

The following are Toledo independent insurance agencies who can help you get free price quotes.

• Gus Badra Insurance Agency
  3454 Oak Alley Court, Suite 106 A, Toledo 43606 – Suite 106 A, OH 43606 – (419) 469-5522 – View Map
• Bob Burns Insurance and Financial
  2229 W Laskey Rd – Toledo, OH 43613 – (419) 471-1950 – View Map
• Nationwide Insurance: Smithers Ins Agency LLC
  229 Superior St – Rossford, OH 43460 – (419) 666-5703 – View Map

View more agents

Exclusive Agents

Agents in the exclusive channel can only write with one company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on their company’s products which aids in selling service over price. Consumers frequently buy insurance from these agents primarily because of loyalty to the company and strong financial ratings.

Below are Toledo exclusive insurance agencies who can help you get rate quotes.

• Eric Price – State Farm Insurance Agent
  2600 N Reynolds Rd #104b – Toledo, OH 43615 – (419) 536-6030 – View Map
• Jeff Traudt – State Farm Insurance Agent
  2828 Central Ave – Toledo, OH 43606 – (419) 473-3276 – View Map
• Todd Riggs – State Farm Insurance Agent
  7109 Central Ave – Toledo, OH 43617 – (419) 841-4800 – View Map

View more agents

Finding the right insurance agent is decision based upon more than just a low price. Any agent in Toledo should have no problem answering these questions:

• Can you contact them at any time?
• Do they write coverage based solely on cost?
• What will you get paid if your car is a total loss? How is that amount determined?
• Are there any discounts for paying up front?
• How are they compensated?
• If you have an accident, will your rates go up?
• Which family members are covered?

Car insurance is not optional in Ohio

Even though it can be expensive, maintaining insurance is required in Ohio but also provides important benefits.

• Just about all states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your vehicle, it’s most likely the lender will make it mandatory that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank may buy a policy for your Dodge at a much higher premium rate and force you to reimburse them for it.
• Insurance safeguards not only your car but also your financial assets. It will also reimburse you for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your car insurance policy will cover the repair costs.

The benefits of insuring your Ram 3500 are definitely more than the cost, particularly when you have a large claim. But the average driver in Ohio is overpaying more than $865 each year so shop around once a year at a minimum to ensure rates are competitive.

Do the work, save more money

As you quote Toledo car insurance, you should never skimp on coverage in order to save money. There have been many situations where someone dropped liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

Cost effective Dodge Ram 3500 insurance can be purchased both online and also from your neighborhood Toledo agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online rate quotes and most of the time these small insurance companies sell through independent agencies.

You just read some good ideas how you can save on Dodge Ram 3500 insurance in Toledo. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies.

How to find the cheapest rates for Dodge Ram 3500 insurance in Toledo

If you want to save money, the best way to find cheaper quotes for Dodge Ram 3500 insurance in Toledo is to begin comparing prices regularly from providers who provide auto insurance in Ohio. Rates can be compared by following these steps.

First, get a basic knowledge of what is in your policy and the factors you can control to keep rates down. Many factors that cause rate increases like accidents, traffic violations, and a less-than-favorable credit score can be eliminated by making lifestyle changes or driving safer.

Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple insurance companies.

Third, compare the price quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.

The most important part of shopping around is that you’ll want to compare the same liability limits and deductibles on every quote and and to get price estimates from all possible companies. Doing this provides a fair price comparison and a complete selection of prices.

Additional auto insurance information is available below:

• Comprehensive Coverage (Liberty Mutual)
• Who Has Cheap Toledo Auto Insurance for Real Estate Agents? (FAQ)
• Who Has Cheap Car Insurance Quotes for Welfare Recipients in Toledo? (FAQ)
• What Car Insurance is Cheapest in Toledo, Ohio? (FAQ)
• Things to Know Before you Cancel Insurance (Allstate)
• Choosing an Insurance Company (Insurance Information Institute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)