9 Tricks to Cut Your Dodge Ram 3500 Pickup Insurance Premium in Nevada

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

You have multiple car insurance companies to insure vehicles with, and although it’s nice to have a selection, lots of choices makes it harder to find the best rates for your vehicles.

Factors that can influence insurance rates for a Dodge Ram 3500 Pickup

It’s important that you understand the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get big savings.

The list below includes some of the factors car insurance companies consider when setting your rates.

  • Having a spouse can save you money – Getting married can actually save you money on car insurance. Having a spouse is viewed as being more responsible and it’s statistically proven that being married results in fewer claims.
  • Tickets mean higher rates – Only having one ticket may increase your cost forty percent or more. Drivers with clean records get better rates than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance will get you a license revocation or jail time.
  • Better credit scores mean better rates – Credit score is a huge factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit history is low, you could save money insuring your Dodge Ram 3500 Pickup by repairing your credit.

How to Compare Car Insurance Costs in Nevada

To find the best car insurance prices, there are several ways to get quotes and find the best price. The best way to find the lowest Dodge Ram 3500 Pickup rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form saves time by eliminating repetitive form entry for each company you want a rate for. One quote request will return quotes from many national carriers.Car insurance in Nevada

Another way to compare prices is to take the time to go to each company website and complete a new quote form. For sake of this example, we’ll assume you want comparison quotes from Progressive, Farmers and Allstate. To get each rate you have to visit each site and enter your policy data, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples quote information for each comparison quote. If your comparisons have mixed coverages it’s not possible to decipher which rate is best. Quoting even small variations in coverage limits may result in large price differences. And when comparing car insurance rates, know that having more price comparisons will enable you to find lower pricing.

More discounts equal less premium

Car insurance companies do not advertise every available discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find ways to save on car insurance.

  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • No Claims – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiring. This can save 10% or more.
  • Multi-policy Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
  • Multiple Cars – Insuring all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

To choose insurance companies offering car insurance discounts in Nevada, click here.

Even more information can be found at the Nevada Division of Insurance website. Consumers can file complaints about an insurance agent or broker, learn about insurance regulations, read industry bulletins, and learn about specific coverages.

The following information may also be useful.

And the best car insurance company is…

Discount Dodge Ram 3500 Pickup insurance is possible both online as well as from independent agents in Nevada, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We just showed you many tips how you can shop for Dodge Ram 3500 Pickup insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

When shopping online for car insurance, you should never buy poor coverage just to save money. There have been many cases where someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.