Dodge Ram 3500 Insurance Quotes in Charlotte

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It takes a few minutes, but the best way to find discount Dodge Ram 3500 insurance is to regularly compare prices from different companies who provide car insurance in Charlotte.

  1. Learn about how your policy works and the things you can control to keep rates low. Many risk factors that drive up the price like accidents, careless driving, and a negative credit history can be eliminated by improving your driving habits or financial responsibility.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
  3. Compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current agent or company to cancel your current policy. Submit the signed application along with the required initial payment to your new agent or company. When you receive it, store the proof of insurance paperwork in an easily accessible location.

A good tip to remember is to use identical coverage information on each quote and and to look at every insurance company. Doing this enables a fair rate comparison and a complete rate analysis.

Discount Dodge Ram 3500 insuranceIt's safe to conclude that insurance companies don't want you to look for a cheaper policy. People who shop around for cheaper prices are very likely to buy a different policy because the odds are good of finding discount prices. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved as much as $865 a year compared to other drivers who never compared prices.

If finding budget-friendly rates on auto insurance is your ultimate objective, then knowing the best way to compare cheaper coverage can help you be more efficient.

Locating the most cost-effective insurance policy in Charlotte can be easy if you know a few tricks. If you currently have a car insurance policy, you will most likely be able to get lower rates using the ideas covered in this article. But North Carolina consumers can benefit by having an understanding of how companies charge you for coverage and use it to your advantage.

Companies offering Dodge Ram 3500 insurance in Charlotte

The following companies can provide price comparisons in North Carolina. In order to find cheap auto insurance in North Carolina, we recommend you compare several of them in order to get a fair rate comparison.

Dodge Ram 3500 detailed coverage information

The premium information shown below showcases different coverage costs for Dodge Ram 3500 models. Having a better idea how insurance premiums are formulated helps drivers make smart choices when comparing insurance quotes.

Dodge Ram 3500 Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $220 $356 $256 $16 $76 $924 $77
Ram 3500 Crew Cab ST 2WD $270 $420 $256 $16 $76 $1,038 $87
Ram 3500 Crew Cab ST 4WD $270 $482 $384 $22 $116 $1,274 $106
Ram 3500 Crew Cab SLT 2WD $270 $482 $256 $16 $76 $1,100 $92
Ram 3500 Mega Cab SLT 2WD $270 $482 $256 $16 $76 $1,100 $92
Ram 3500 Mega Cab SLT 4WD $270 $546 $384 $22 $116 $1,338 $112
Ram 3500 Crew Cab SLT 4WD $270 $546 $384 $22 $116 $1,338 $112
Ram 3500 Crew Cab Laramie 4WD $270 $546 $384 $22 $116 $1,338 $112
Ram 3500 Mega Cab Laramie 2WD $270 $482 $256 $16 $76 $1,100 $92
Ram 3500 Crew Cab Laramie 2WD $270 $482 $256 $16 $76 $1,100 $92
Ram 3500 Mega Cab Laramie 4WD $270 $546 $384 $22 $116 $1,338 $112
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in your specific Charlotte location which can impact insurance rates considerably.

An analysis of deductible level

A question often asked by Charlotte drivers is what deductibles to buy. The tables below can help show the differences in price when you choose different policy deductibles. The first data table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Dodge Ram 3500 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $242 $386 $250 $14 $74 $991 $83
Ram 3500 Crew Cab ST 2WD $298 $456 $250 $14 $74 $1,117 $93
Ram 3500 Crew Cab ST 4WD $298 $524 $374 $22 $112 $1,355 $113
Ram 3500 Crew Cab SLT 2WD $298 $524 $250 $14 $74 $1,185 $99
Ram 3500 Mega Cab SLT 2WD $298 $524 $250 $14 $74 $1,185 $99
Ram 3500 Mega Cab SLT 4WD $298 $594 $374 $22 $112 $1,425 $119
Ram 3500 Crew Cab SLT 4WD $298 $594 $374 $22 $112 $1,425 $119
Ram 3500 Crew Cab Laramie 4WD $298 $594 $374 $22 $112 $1,425 $119
Ram 3500 Mega Cab Laramie 2WD $298 $524 $250 $14 $74 $1,185 $99
Ram 3500 Crew Cab Laramie 2WD $298 $524 $250 $14 $74 $1,185 $99
Ram 3500 Mega Cab Laramie 4WD $298 $594 $374 $22 $112 $1,425 $119
Get Your Own Custom Quote Go
Dodge Ram 3500 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $176 $262 $250 $14 $74 $776 $65
Ram 3500 Crew Cab ST 2WD $216 $308 $250 $14 $74 $862 $72
Ram 3500 Crew Cab ST 4WD $216 $354 $374 $22 $112 $1,078 $90
Ram 3500 Crew Cab SLT 2WD $216 $354 $250 $14 $74 $908 $76
Ram 3500 Mega Cab SLT 2WD $216 $354 $250 $14 $74 $908 $76
Ram 3500 Mega Cab SLT 4WD $216 $402 $374 $22 $112 $1,126 $94
Ram 3500 Crew Cab SLT 4WD $216 $402 $374 $22 $112 $1,126 $94
Ram 3500 Crew Cab Laramie 4WD $216 $402 $374 $22 $112 $1,126 $94
Ram 3500 Mega Cab Laramie 2WD $216 $354 $250 $14 $74 $908 $76
Ram 3500 Crew Cab Laramie 2WD $216 $354 $250 $14 $74 $908 $76
Ram 3500 Mega Cab Laramie 4WD $216 $402 $374 $22 $112 $1,126 $94
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in specific garaging location which can decrease or increase coverage prices significantly.

We can derive from the above data that using a $100 deductible costs an average of $24 more each month or $288 each year averaged for all Ram 3500 models than quoting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 17 months between claim filings, you would save more money going with the higher deductible. The table below illustrates how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $106
Average monthly premium for $500 deductibles (subtract): - $82
Monthly savings from raising deductible: $24
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Rate comparison of men versus women in Charlotte

The diagram below shows the comparison of Dodge Ram 3500 car insurance rates for male and female drivers. The rates are based on no claims or violations, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Do you need full coverage?

The illustration below illustrates the difference between Dodge Ram 3500 insurance prices when comparing full coverage to liability only. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.

Should you pay for full coverage?

There is no exact rule to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's say your Dodge Ram 3500 replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying your deductible. If premiums are more than $200 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some cases where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not drop full coverage.

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

Companies that sell car insurance don't necessarily list all possible discounts in an easy-to-find place, so below is a list some of the best known as well as the least known savings tricks you should be using when you buy Charlotte car insurance online.Save money with discounts

  • Bundled Policy Discount - If you have multiple policies and insure them with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Resident Student - College-age children who are enrolled in a college that is more than 100 miles from Charlotte without a vehicle on campus may be able to be covered for less.
  • Driver's Education for Students - Cut your cost by having your teen driver enroll in driver's education as it can save substantially.
  • Drive Safe and Save - Accident-free drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
  • Include Life Insurance and Save - Some insurance carriers give better rates if you take out some life insurance in addition to your auto policy.
  • Low Mileage - Keeping the miles down on your Dodge may allow you to get slightly better premium rates than normal.
  • Discounts for Seat Belt Usage - Forcing all vehicle occupants to buckle up can save a little on the medical payments or PIP coverage costs.

A quick disclaimer, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, that's just not realistic. Any qualifying discounts should help reduce your insurance premiums.

The diagram below illustrates the difference between Dodge Ram 3500 insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, a clean driving record, no at-fault accidents, North Carolina 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 marriage, homeowner, claim-free, safe-driver, multi-policy, and multi-car discounts applied.

For a list of insurance companies with the best Dodge Ram 3500 insurance discounts in Charlotte in Charlotte, follow this link.

Smart Consumers Know How to Quote Auto Insurance at a Discount

Many factors are used in the calculation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although others are more obscure like where you live or how safe your car is. It's important that you understand the different types of things that play a part in calculating your premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that may result in cheaper rates.

The following are most of the major factors used by your company to calculate your rates.

  • Lower premiums for safer cars - Safe vehicles are cheaper to insure. Highly rated vehicles reduce occupant injuries and lower injury rates means your insurance company pays less which can result in lower premiums. If your Dodge Ram 3500 has at least an "acceptable" rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Small claims can cost you - If you file claims often, you should expect higher rates. Insurance companies in North Carolina provide lower rates to drivers who are not frequent claim filers. Insurance coverage is designed for claims that you cannot pay yourself.
  • Vehicle theft costs us all - Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft and help lower rates.
  • Lower rates for married couples - Getting married can actually save you money when buying auto insurance. It may mean you are more stable financially and statistics prove being married results in fewer claims.
  • Only buy what you need - There are quite a few extra bells and whistles that can waste your money on your auto insurance policy. Coverages for personal injury protection, better glass coverage, and membership fees are probably not needed. The coverages may be enticing initially, but if they're wasting money remove them from your policy.
  • Do you work long hours in a stressful job? - Careers such as military generals, airline pilots, and medical professionals tend to have higher premium rates attributed to high stress and incredibly demanding work hours. On the flip side, professions such as actors, students and the unemployed generally pay rates lower than average.

Local agents and insurance

Many drivers just prefer to talk to a local agent and often times that is recommended A good thing about comparing insurance prices online is you can get the lowest rates and still have a local agent.

Insurance agents in CharlotteTo find an agent, once you fill out this simple form, the coverage information is immediately sent to agents in your area who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won't have to find an agent because prices are sent immediately to you. You can find lower rates and work with a local agent. If you have a need to get a rate quote from one company in particular, you can always jump over to their website and fill out their quote form.

Finding the right insurer needs to be determined by more than just the premium amount. Any agent in Charlotte should be willing to answer these questions.

  • Does the company allow you to choose your own collision repair facility?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Can they provide you with a list of referrals?
  • How much training do they have in personal risk management?
  • If you have an accident, will your rates go up?
  • How long has the business existed?

Different types of Charlotte car insurance agents

If you want to buy insurance from a local insurance agency, it's helpful to know the different types of agencies and how they can quote your rates. Insurance policy providers are classified as either exclusive agents or independent agents.

Exclusive Insurance Agencies

Exclusive agents can only provide one company's prices and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. Exclusive agents are well trained on the products they sell and that allows them to sell at a higher price point.

The following is a list of exclusive insurance agents in Charlotte that can give you price quotes.

1727 East Blvd - Charlotte, NC 28203 - (704) 373-7444 - View Map

4651 South Blvd Suite B - Charlotte, NC 28209 - (704) 523-2886 - View Map

501 S Sharon Amity Rd #200 - Charlotte, NC 28211 - (704) 971-3030 - View Map

View more Charlotte agents

Independent Agencies or Brokers

Agents that choose to be independent do not have single company limitations so they can write business with any number of different companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency. If you are comparing rate quotes, it's recommended you get several quotes from multiple independent agents so that you can do a thorough price comparison.

Below is a list of independent insurance agencies in Charlotte willing to provide price quotes.

537 W Sugar Creek Rd # 104B - Charlotte, NC 28213 - (704) 598-4442 - View Map

9010 Glenwater Dr #103 - Charlotte, NC 28262 - (704) 494-9495 - View Map

9620 Monroe Rd - Charlotte, NC 28270 - (704) 644-3058 - View Map

View more Charlotte agents

Don't give up on cheap rates

We covered some good ideas how you can get a better price on Dodge Ram 3500 insurance in Charlotte. The most important thing to understand is the more companies you get premium rates for, the better chance you'll have of finding low cost Charlotte car insurance quotes. You may even discover the best auto insurance rates are with an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

As you prepare to switch companies, never reduce coverage to reduce premium. There have been many situations where someone dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage for the lowest cost while still protecting your assets.

Some insurance companies do not offer internet price quotes and usually these regional carriers provide coverage only through independent insurance agents. Cost effective Dodge Ram 3500 insurance can be bought on the web as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

More information is located at the links below