Want 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.
- Life Insurance Discount – Select insurance carriers reward you with a lower price if you buy life insurance.
- Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
- Government Employees – Active or retired federal employment may qualify for a discount when you quote Lexington car insurance with some auto insurance companies.
- Defensive Driver Discount – Participating in a defensive driving class can save you 5% or more and also improve your driving technique.
- Drive Safe and Save – Drivers without accidents may receive a discount up to 45% than their less cautious counterparts.
- More Vehicles More Savings – Drivers who insure more than one vehicle with one company can get a discount for every vehicle.
- Anti-theft Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
- Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education in high school.
- Active Service Discounts – Having a family member in the military may lower your premium rates slightly.
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.
- State Farm offers discounts for good driver, Drive Safe & Save, passive restraint, driver’s education, and Steer Clear safe driver discount.
- Liberty Mutual may have discounts that include teen driver discount, new graduate, newly married, hybrid vehicle, safety features, and multi-policy.
- American Family policyholders can earn discounts including good student, mySafetyValet, Steer into Savings, air bags, good driver, TimeAway discount, and accident-free.
- Progressive offers premium reductions for continuous coverage, homeowner, multi-policy, multi-vehicle, online quote discount, and online signing.
- Farmers Insurance includes discounts for bundle discounts, youthful driver, early shopping, good student, distant student, electronic funds transfer, and alternative fuel.
- Auto-Owners Insurance offers discounts including air bags, safe driver, teen driver, paid in full, mature driver, anti-lock brakes, and multi-policy.
- SAFECO has savings for bundle discounts, homeowner, teen safe driver, accident prevention training, multi-car, anti-theft, and drive less.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
After 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.
- Tophan Kulkriwes – State Farm Insurance Agent
1010 Monarch St #250 – Lexington, KY 40513 – (859) 276-4422 – View Map - KY Insurance and Investment Grp
3320 Clays Mill Rd Suite 214 – Lexington, KY 40503 – (859) 224-0316 – View Map - Stewart Perry – State Farm Insurance Agent
2128 Nicholasville Rd – Lexington, KY 40503 – (859) 277-7195 – View Map - Bray and Oakley Insurance Agency, Inc.
3061 Fieldstone Way – Lexington, KY 40513 – (859) 927-3743 – View Map
Choosing the best insurance company should depend on more than just a cheap price quote. Here are some questions you might want to ask.
- Are there any discounts that you might be missing?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are there any discounts for paying up front?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Where are claims handled?
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.
Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.
- Do I need PIP coverage since I have good health insurance?
- Am I covered if hit by an uninsured driver?
- Do I have coverage when making deliveries for my home business?
- Are my friends covered when driving my Dodge Ram 3500?
- Is my business laptop covered if it gets stolen from my vehicle?
- How do I file an SR-22 for a DUI in Kentucky?
- Should I put collision coverage on all my vehicles?
- I have health insurance so do I need medical payments coverage?
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:
- Teen Driver Licensing Information (iihs.org)
- How Much are Auto Insurance Quotes for a Toyota Tacoma in Lexington? (FAQ)
- How Much is Car Insurance for Homeowners in Lexington? (FAQ)
- What Auto Insurance is Cheapest for Used Cars in Lexington? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Prom Night Tips for Teen Drivers (State Farm)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Rental Reimbursement Coverage (Allstate)