Find Affordable Dodge Ram 3500 Insurance in Scottsdale

Want to know how to find more competitive car insurance rates in Scottsdale, AZ? Scottsdale drivers have lots of choices when trying to find the best price on Dodge Ram 3500 insurance. They can either waste time driving around getting price quotes or save time using the internet to make rate comparisons.

There is a better way to compare car insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Dodge and locate the best price possible from Scottsdale insurance agents and online providers.

It’s important to quote other rates on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the lowest premium rates on Dodge Ram 3500 insurance in Scottsdale a year ago you will most likely find a better price today. Forget all the misinformation about car insurance because we’re going to show you one of the quickest ways to reduce your cost while increasing coverage.

You Can Change Your Insurance Costs

It’s important that you understand some of the things that play a part in calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that will entitle you to lower rates. Many different elements are used when premium rates are determined. Some of the criteria are obvious such as your driving record, but other criteria are less obvious such as your credit history or your financial responsibility.

The itemized list below are some of the items utilized by car insurance companies to help set rates.

• Small coverages can add up – There are many add-on coverages that can add up if you don’t pay attention. Insurance for things like vanishing deductibles, better glass coverage, and motor club memberships are some examples. They may sound like good ideas when discussing your needs, but your needs may have changed so eliminate them to save money.
• Maintain car insurance coverage – Allowing your car insurance policy to lapse can be a guaranteed way to increase your car insurance rates. In addition to paying higher premiums, being ticketed for driving with no insurance may result in a license revocation or jail time.
• Use one insurance company and save – Most larger car insurance companies provide a discount to people who carry more than one policy in the form of a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, you may still want to shop around to ensure the best deal. You may still be able to find better rates even if you have your coverage with different companies
• Discounts for alarms and GPS tracking – Buying a car with advanced anti-theft systems can help lower your premiums. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent auto theft.
• Poor credit decisions can cost you – A driver’s credit score can be an important factor in calculating your premium rate. Insureds that have good credit tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit rating leaves room for improvement, you could be paying less to insure your Dodge Ram 3500 by taking the time to improve your credit score.

• Teen drivers pay more – Older, more experienced drivers are viewed as being more responsible, cost insurance companies less in claims, and are safer drivers. Inexperience drivers are statistically shown to be more careless in a vehicle so they pay higher car insurance rates.

  The data below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Dodge Ram 3500 insurance rates and statistics

The coverage table shown next outlines a range of insurance coverage prices for Dodge Ram 3500 models. Having a better idea how insurance policy rates are determined can aid in making smart choices when purchasing an insurance policy.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in specific location information which can influence price quotes significantly.

Comparison of policy deductibles

One frequently asked question is which deductibles should you choose. The premium rates below may help you to understand the differences in price when you buy lower versus higher physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in your specific Scottsdale location which can affect prices noticeably.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $40 more each month or $480 each year across all Dodge Ram 3500 models than requesting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 23 months between claim filings, you would more than likely save some money if you elect the higher deductible.

Insurance premiums by gender

The diagram below shows the difference between Dodge Ram 3500 auto insurance rates for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied.

Do you qualify for discounts on Dodge Ram 3500 insurance in Scottsdale?

Insurance can be pricey, but there’s a good chance there are discounts to help bring down the price. Many discounts should be triggered at quote time, but lesser-known reductions have to be asked for prior to receiving the credit.

• Multiple Cars – Having multiple cars or trucks on the same insurance policy can get a discount on all vehicles.
• Early Switch Discount – Select larger companies give a discount for switching policies before your current Ram 3500 insurance policy expires. The savings is around 10%.
• Low Mileage Discounts – Keeping the miles down on your Dodge could earn better insurance rates on cars that stay parked.
• Membership in Organizations – Participating in qualifying employment or professional organizations is a good way to get lower rates on your policy.
• Good Student Discount – Being a good student may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• Student Driver Training – Teen drivers should successfully complete driver’s ed class if offered at their school.
• Scottsdale Homeowners Pay Less – Simply owning a home can save a few bucks because of the fact that having a home demonstrates responsibility.
• Driving Data Discount – Scottsdale drivers who agree to allow their insurance company to analyze driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out auto and life insurance together.

One last thing about discounts, most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way.

The illustration below visualizes the comparison of Dodge Ram 3500 insurance premiums with and without some available policy discounts. The price estimates are based on a female driver, no claims or violations, Arizona 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, multi-car, claim-free, multi-policy, marriage, and safe-driver discounts applied.

Companies that may have some of the discounts shown above include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

When comparing rates, check with each insurance company which discounts you qualify for. Some credits might not be offered in your state. If you would like to choose from a list of companies that provide some of the discounts listed above in Scottsdale, click this link.

Scottsdale car insurance companies

Insuring your vehicle with the highest-rated insurer can be difficult considering how many different companies insure vehicles in Scottsdale. The company rank data listed below may help you decide which auto insurers you want to consider putting your business with.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Quote more and you will save more

You just learned a lot of techniques to get a better price on Dodge Ram 3500 insurance in Scottsdale. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding affordable Dodge Ram 3500 insurance quotes. You may even find the most savings is with the least-expected company. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as Allstate or State Farm.

Lower-priced insurance in Scottsdale is possible on the web as well as from independent agents in Scottsdale, and you should be comparing both to have the best selection. Some companies do not provide the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent insurance agencies.

Steps to finding low-cost rates for Dodge Ram 3500 insurance in Scottsdale

Truthfully, the best way to find the cheapest price for car insurance rates in Scottsdale is to compare prices at least once a year from providers in Arizona. You can compare rates by following these steps.

1. It will benefit you to learn about individual coverages and the factors you can control to prevent rate increases. Many policy risk factors that cause high rates like tickets, at-fault accidents, and a bad credit rating can be remedied by making minor driving habit or lifestyle changes.
2. Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for many different companies. View a list of agents
3. Compare the price quotes to your current policy premium and see if there is a cheaper rate. If you find better rates and change companies, verify that coverage does not lapse between policies.
4. Tell your current agent or company to cancel your existing policy and submit any necessary down payment along with the completed application for the new policy. When you receive it, put the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

An essential thing to point out is to make sure you’re comparing similar deductibles and liability limits on every quote request and and to get quotes from as many different companies as possible. Doing this guarantees a fair rate comparison and the best rate selection.

Other information

• Airbag FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance for Veterans in Scottsdale? (FAQ)
• Who Has Cheap Scottsdale Car Insurance for Young Drivers? (FAQ)
• Who Has Affordable Car Insurance Rates for Good Drivers in Scottsdale? (FAQ)
• Who Has the Cheapest Auto Insurance for Teenagers in Scottsdale? (FAQ)
• How Much is Scottsdale Car Insurance for Drivers Requiring a SR22? (FAQ)
• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)