Save Money on Dodge Ram 3500 Insurance in Lexington

Insurance quote for Dodge Ram 3500 in LexingtonWant a free price quotes on low-cost Dodge Ram 3500 insurance in Lexington? Comparison shopping for more affordable Dodge Ram 3500 insurance in Lexington is always challenging for drivers not familiar with quoting and comparing prices online. With such a big selection of agents and insurers to choose from, it can easily become hard work to find cheaper coverage rates on Dodge Ram 3500 insurance.

It’s a known fact that insurance companies don’t want you to look for a cheaper policy. Consumers who shop around for the cheapest price will probably buy a different policy because there are good odds of finding discount prices. A survey found that drivers who regularly shopped around saved over $865 annually compared to policyholders who didn’t regularly shop around.

If finding low prices for Dodge Ram 3500 insurance in Lexington is why you’re here, learning how to find and compare insurance can save money and time.

If you are paying for car insurance now, you stand a good chance to be able to find the best rates using these techniques. Quoting and buying the lowest-priced auto insurance policy in Lexington is quite easy. But Kentucky drivers do need to understand the way companies determine prices and apply this information to your search.

The quickest way to compare car insurance company rates for Dodge Ram 3500 insurance in Lexington is to understand most of the bigger providers have advanced systems to give free rates quotes. To begin a comparison, all you need to do is take a few minutes to give details like how much you drive, if the car is leased, level of coverage desired, and if you went to college. The data is instantly provided to many different companies and you get price estimates instantly.

To get price quotes for your car now, click here and enter your zip code.

The companies shown below have been selected to offer comparison quotes in Lexington, KY. To buy cheap car insurance in KY, we suggest you click on several of them to get the cheapest price.

Get cheaper rates with discounts

Auto insurance is not cheap nor is it fun to buy but discounts can save money and there are some available that you may not even know about. Certain discounts will be applied at the time you complete a quote, but a few must be specially asked for prior to getting the savings.Save money with discounts

As a sidenote, some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So even though you would think you could get a free auto insurance policy, you’re out of luck.

The chart below illustrates the difference between Dodge Ram 3500 insurance prices with and without some available policy discounts. The data assumes a male driver, no accidents, no driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, marriage, multi-car, and safe-driver discounts applied.

Larger auto insurance companies and their possible discounts can be found below.

It’s a good idea to ask each insurance company which discounts they offer. Depending on the company, some discounts might not be offered in every state. If you would like to choose from a list of auto insurance companies that have a full spectrum of discounts in Lexington, follow this link.

Statistics and details

The rate information shown below covers a range of rate quotes for Dodge Ram 3500 models. Being more informed about how insurance premiums are determined is important for drivers to make smart choices when purchasing an auto insurance policy.

Dodge Ram 3500 Insurance Rates in Lexington, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $324 $426 $428 $26 $128 $1,332 $111
Ram 3500 Crew Cab ST 2WD $398 $500 $428 $26 $128 $1,480 $123
Ram 3500 Crew Cab ST 4WD $398 $576 $642 $38 $192 $1,846 $154
Ram 3500 Crew Cab SLT 2WD $398 $576 $428 $26 $128 $1,556 $130
Ram 3500 Mega Cab SLT 2WD $398 $576 $428 $26 $128 $1,556 $130
Ram 3500 Mega Cab SLT 4WD $398 $652 $642 $38 $192 $1,922 $160
Ram 3500 Crew Cab SLT 4WD $398 $652 $642 $38 $192 $1,922 $160
Ram 3500 Crew Cab Laramie 4WD $398 $652 $642 $38 $192 $1,922 $160
Ram 3500 Mega Cab Laramie 2WD $398 $576 $428 $26 $128 $1,556 $130
Ram 3500 Crew Cab Laramie 2WD $398 $576 $428 $26 $128 $1,556 $130
Ram 3500 Mega Cab Laramie 4WD $398 $652 $642 $38 $192 $1,922 $160
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in garaging location in Lexington which can influence coverage rates substantially.

Analysis of deductible levels

One of the most common insurance questions is how high should the physical damage deductibles be. The data tables below help summarize the differences in premium rates when you select higher and lower insurance deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Dodge Ram 3500 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $318 $508 $326 $20 $98 $1,295 $108
Ram 3500 Crew Cab ST 2WD $390 $598 $326 $20 $98 $1,457 $121
Ram 3500 Crew Cab ST 4WD $390 $688 $490 $28 $146 $1,767 $147
Ram 3500 Crew Cab SLT 2WD $390 $688 $326 $20 $98 $1,547 $129
Ram 3500 Mega Cab SLT 2WD $390 $688 $326 $20 $98 $1,547 $129
Ram 3500 Mega Cab SLT 4WD $390 $778 $490 $28 $146 $1,857 $155
Ram 3500 Crew Cab SLT 4WD $390 $778 $490 $28 $146 $1,857 $155
Ram 3500 Crew Cab Laramie 4WD $390 $778 $490 $28 $146 $1,857 $155
Ram 3500 Mega Cab Laramie 2WD $390 $688 $326 $20 $98 $1,547 $129
Ram 3500 Crew Cab Laramie 2WD $390 $688 $326 $20 $98 $1,547 $129
Ram 3500 Mega Cab Laramie 4WD $390 $778 $490 $28 $146 $1,857 $155
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Dodge Ram 3500 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $232 $342 $326 $20 $98 $1,018 $85
Ram 3500 Crew Cab ST 2WD $284 $404 $326 $20 $98 $1,132 $94
Ram 3500 Crew Cab ST 4WD $284 $466 $490 $28 $146 $1,414 $118
Ram 3500 Crew Cab SLT 2WD $284 $466 $326 $20 $98 $1,194 $100
Ram 3500 Mega Cab SLT 2WD $284 $466 $326 $20 $98 $1,194 $100
Ram 3500 Mega Cab SLT 4WD $284 $526 $490 $28 $146 $1,474 $123
Ram 3500 Crew Cab SLT 4WD $284 $526 $490 $28 $146 $1,474 $123
Ram 3500 Crew Cab Laramie 4WD $284 $526 $490 $28 $146 $1,474 $123
Ram 3500 Mega Cab Laramie 2WD $284 $466 $326 $20 $98 $1,194 $100
Ram 3500 Crew Cab Laramie 2WD $284 $466 $326 $20 $98 $1,194 $100
Ram 3500 Mega Cab Laramie 4WD $284 $526 $490 $28 $146 $1,474 $123
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in specific location which can raise or lower premiums substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs about $29 more each month or $348 each year averaged for all Ram 3500 models than buying the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 14 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

The example below demonstrates how choosing different deductibles and can increase or decrease Dodge Ram 3500 premium costs for different age groups. The rates are based on a married male driver, full coverage, and no policy discounts are applied.

Accidents and violations increase rates

The illustration below illustrates how speeding tickets and accidents can influence Dodge Ram 3500 annual premium costs for different age groups. The prices are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Dodge Ram 3500 insurance costs by age and gender

The example below compares Dodge Ram 3500 auto insurance rates for male and female drivers. The information is based on no claims or violations, full coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.

Does full coverage make sense?

The chart below compares Dodge Ram 3500 car insurance rates with full coverage and liability only. The data assumes no claims or driving violations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no exact formula of when to exclude physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your Dodge Ram 3500 claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after the policy deductible has been paid. If premiums are more than $200 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not opt for liability only.

Lower Your Lexington Insurance Costs

Smart consumers have a good feel for the different types of things that come into play when calculating your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that may result in better car insurance rates. Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving history, but some are more obscure such as whether you are married or how safe your car is.

The following are a partial list of the pieces used by insurance companies to determine prices.

Raise your comp and collision deductibles for better rates – Physical damage insurance, aka comp and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered would be a broken side mirror, damage caused by hail, and damage from a fallen tree branch. The deductibles tell how much you are willing to pay if the claim is covered. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance.

Marriage discount – Walking down the aisle may earn you lower rates compared to being single. Having a spouse translates into being more mature than a single person and statistics prove married couples file fewer claims.

Cheaper premiums with safer cars – Safe vehicles cost less to insure. These vehicles result in less severe injuries and reduced instances of injuries means your insurance company pays less passed on to you as lower rates.

Prevent your car from being stolen – Choosing a vehicle with an alarm system can save you some money. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your vehicle from being stolen.

Continuous coverage saves money – Going without insurance is a fast way to increase your car insurance rates. In addition to paying higher premiums, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license.

Insurance rates and vehicle performance – The type of car you need to insure makes a big difference in your auto insurance rates. The lowest performance passenger vehicles usually have the lowest rates, but your final cost has many other factors.

The following chart is based on a married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Dodge Ram 3500 insurance rates compared to other vehicles that have a range of performance risks.

Local Lexington insurance agencies

Many drivers just want to get professional advice from a licensed agent and that is a personal choice. A good thing about comparing rates online is that you can obtain cheaper rates and still choose a local agent. And providing support for local insurance agents is especially important in Lexington.

Lexington insurance agentsAfter completing this simple form, your insurance coverage information gets sent to local insurance agents who will give you quotes for your insurance coverage. You won’t even need to search for an agent because prices are sent instantly to you. You’ll get the best rates without requiring a lot of work. If for some reason you want to compare prices from a particular provider, you can always find their quoting web page and submit a quote form there.

Below is a list of insurers in Lexington willing to provide price quotes for Dodge Ram 3500 insurance in Lexington.

View more Lexington agents

Choosing the best insurance company should depend on more than just a cheap price quote. Here are some questions you might want to ask.

Insurance agents can help

Always keep in mind that when comparing your policy, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.Car insurance savings

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Cheaper auto insurance rates are out there

Cheaper auto insurance in Lexington is attainable from both online companies as well as from independent agents in Lexington, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and these smaller companies only sell through independent agents.

When getting Lexington car insurance quotes online, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone dropped liability limits or collision coverage to discover at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

We just showed you some good ideas how to find lower-cost Dodge Ram 3500 insurance in Lexington. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding affordable Lexington car insurance quotes. You may even discover the most savings is with a lesser-known regional company.

Steps to finding low-cost Dodge Ram 3500 insurance in Lexington

It takes a few minutes, but the best way to find low-cost Dodge Ram 3500 insurance is to make a habit of regularly comparing prices from providers who sell auto insurance in Lexington.

First, spend a few minutes and learn about the different coverages in a policy and the steps you can take to lower rates. Many risk factors that increase rates like distracted driving and an unacceptable credit score can be improved by making minor driving habit or lifestyle changes.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and State Farm, while agents who are independent can quote prices from multiple insurance companies.

Third, compare the new quotes to your existing policy to see if a cheaper rate is available in Lexington. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.

Fourth, notify your current company to cancel your current policy. Submit a down payment and signed policy application to your new agent or company. Once the application is submitted, keep your new certificate verifying coverage in your vehicle’s glove compartment or console.

One important bit of advice is to use similar coverage information on each quote and and to get quotes from every insurance company. Doing this guarantees a fair price comparison and a thorough selection of prices.

Much more information about auto insurance in Kentucky is located below: