Affordable Quotes for Dodge Ram 3500 Insurance in Pittsburgh

Would you prefer to buy more affordable Dodge Ram 3500 insurance in Pittsburgh? Shopping for low-cost Pittsburgh Dodge Ram 3500 insurance quotes online can be rather challenging for consumers new to quoting and shopping for insurance on the web. Because there are so many online companies available, how can consumers possibly compare every company to locate the best available rates?

Steps to finding discount Dodge Ram 3500 insurance in Pittsburgh

It takes a little time, but the best way to find more affordable Dodge Ram 3500 insurance is to regularly compare price quotes from providers who provide auto insurance in Pittsburgh. Rate comparisons can be done by following these steps.

The critical component of shopping around is that you’ll want to compare similar limits and deductibles on every quote and and to get rate quotes from as many different insurance providers as possible. Doing this helps ensure the most accurate price comparison and a complete selection of prices.

Insurance rates Dodge Ram 3500 in PittsburghA recent study revealed that the vast majority of drivers kept buying from the same company for four years or more, and about 40% of consumers have never compared rates to find affordable insurance. U.S. drivers could save $859 each year just by getting comparison quotes, but they underestimate the actual amount they would save if they switched.

Consumers should take time to get comparison quotes before your next renewal because rates trend upward over time. Even if you think you had the best rate on Dodge Ram 3500 insurance in Pittsburgh a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to find out how to use the internet to lower your rates without sacrificing coverage.

Buying affordable insurance in Pittsburgh can be easy if you know a few tricks. In essence, each driver who is required by state law to have insurance stands a good chance to be able to cut their insurance bill. But Pennsylvania drivers need to have an understanding of how big insurance companies sell online because rates fluctuate considerably.

Get cheaper rates on Dodge Ram 3500 insurance in Pittsburgh with these insurance discounts

Companies don’t always advertise the complete list of policy discounts very well, so we researched some of the best known and also the more inconspicuous discounts that you may qualify for.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount will reduce the cost of your policy.

The illustration below compares Dodge Ram 3500 premium costs with and without discounts. The data assumes a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, marriage, and claim-free discounts applied.

A list of insurance companies and their offered discounts are outlined below.

Before purchasing a policy, check with all the companies to apply every possible discount. Some discounts listed above may not be offered in your area.

It’s important to know that having more price comparisons will enable you to find a lower rate.

The companies in the list below can provide price quotes in Pittsburgh, PA. If multiple companies are listed, we recommend you visit several of them to find the most competitive car insurance rates.

Detailed insurance information

The rate table displayed next covers different policy rates for Dodge Ram 3500 models. Having a good grasp of how prices are formulated can help you make smart choices when buying a policy.

Dodge Ram 3500 Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $152 $264 $372 $22 $112 $922 $77
Ram 3500 Crew Cab ST 2WD $188 $312 $372 $22 $112 $1,006 $84
Ram 3500 Crew Cab ST 4WD $188 $358 $558 $34 $168 $1,306 $109
Ram 3500 Crew Cab SLT 2WD $188 $358 $372 $22 $112 $1,052 $88
Ram 3500 Mega Cab SLT 2WD $188 $358 $372 $22 $112 $1,052 $88
Ram 3500 Mega Cab SLT 4WD $188 $406 $558 $34 $168 $1,354 $113
Ram 3500 Crew Cab SLT 4WD $188 $406 $558 $34 $168 $1,354 $113
Ram 3500 Crew Cab Laramie 4WD $188 $406 $558 $34 $168 $1,354 $113
Ram 3500 Mega Cab Laramie 2WD $188 $358 $372 $22 $112 $1,052 $88
Ram 3500 Crew Cab Laramie 2WD $188 $358 $372 $22 $112 $1,052 $88
Ram 3500 Mega Cab Laramie 4WD $188 $406 $558 $34 $168 $1,354 $113
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in garaging location in Pittsburgh which can decrease or increase rates considerably.

Policy deductible comparison

When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The comparisons below illustrate the rate fluctuation of buying low and high comp and collision deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.

Dodge Ram 3500 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $320 $512 $330 $20 $98 $1,305 $109
Ram 3500 Crew Cab ST 2WD $392 $602 $330 $20 $98 $1,467 $122
Ram 3500 Crew Cab ST 4WD $392 $694 $494 $30 $148 $1,783 $149
Ram 3500 Crew Cab SLT 2WD $392 $694 $330 $20 $98 $1,559 $130
Ram 3500 Mega Cab SLT 2WD $392 $694 $330 $20 $98 $1,559 $130
Ram 3500 Mega Cab SLT 4WD $392 $786 $494 $30 $148 $1,875 $156
Ram 3500 Crew Cab SLT 4WD $392 $786 $494 $30 $148 $1,875 $156
Ram 3500 Crew Cab Laramie 4WD $392 $786 $494 $30 $148 $1,875 $156
Ram 3500 Mega Cab Laramie 2WD $392 $694 $330 $20 $98 $1,559 $130
Ram 3500 Crew Cab Laramie 2WD $392 $694 $330 $20 $98 $1,559 $130
Ram 3500 Mega Cab Laramie 4WD $392 $786 $494 $30 $148 $1,875 $156
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Dodge Ram 3500 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $178 $270 $330 $20 $98 $896 $75
Ram 3500 Crew Cab ST 2WD $218 $318 $330 $20 $98 $984 $82
Ram 3500 Crew Cab ST 4WD $218 $366 $494 $30 $148 $1,256 $105
Ram 3500 Crew Cab SLT 2WD $218 $366 $330 $20 $98 $1,032 $86
Ram 3500 Mega Cab SLT 2WD $218 $366 $330 $20 $98 $1,032 $86
Ram 3500 Mega Cab SLT 4WD $218 $414 $494 $30 $148 $1,304 $109
Ram 3500 Crew Cab SLT 4WD $218 $414 $494 $30 $148 $1,304 $109
Ram 3500 Crew Cab Laramie 4WD $218 $414 $494 $30 $148 $1,304 $109
Ram 3500 Mega Cab Laramie 2WD $218 $366 $330 $20 $98 $1,032 $86
Ram 3500 Crew Cab Laramie 2WD $218 $366 $330 $20 $98 $1,032 $86
Ram 3500 Mega Cab Laramie 4WD $218 $414 $494 $30 $148 $1,304 $109
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in specific location which can revise price quotes substantially.

We can derive from the above data that using a $100 deductible would cost the average driver about $44 more each month or $528 every year than buying the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 20 months between claim filings, you would most likely save money if you choose a higher deductible. Here is the way you can make your own decision.

Average monthly premium for $100 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): – $95
Monthly savings from raising deductible: $44
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $44
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important issue to know is that a higher deductible level means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You should have enough money in the bank in order to pay more for the deductible.

The illustration below shows how choosing a deductible and can raise or lower Dodge Ram 3500 yearly insurance costs for different age groups of insureds. The rates are based on a single male driver, comp and collision included, and no discounts are applied.

Dodge Ram 3500 insurance rates by gender

The information below illustrates the difference between Dodge Ram 3500 car insurance rates for male and female drivers. The prices are based on no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Insurance Rate Influencing Factors

When buying auto insurance it’s important to understand some of the factors that play a part in calculating the rates you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

The factors shown below are most of the major factors used by your company to calculate premiums.

Consider raising deductibles – Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Dodge. Some instances where coverage would apply are running into the backend of another car, vandalism, and damage from a fallen tree branch. Deductibles for physical damage tell how much you are willing to pay in the event of a claim. The more expense you have to pay, the bigger discount you will receive.

Pay less with a high safety rating – Cars with five star safety ratings get lower rates. Highly rated vehicles have better occupant injury protection and lower injury rates means less claims paid and more competitive rates for policyholders. If your Dodge Ram 3500 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Do you know you’re credit rating? – Having a good credit rating can be an important factor in calculating your premium rate. Insureds that have very good credit scores tend to be more responsible than drivers who have lower credit ratings. If your credit rating is low, you could pay less to insure your Dodge Ram 3500 by spending a little time repairing your credit.

Premiums are high for teenagers – Older, more experienced drivers are more cautious drivers, statistically cause fewer accidents, and receive fewer citations. Teen drivers have been known to get distracted easily when behind the wheel so they pay higher auto insurance rates.

The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Stay claim-free and lower rates – If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance companies in Pennsylvania give discounts to people who do not file claims often. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.

When to get professional advice

When it comes to insurance from an agent or online, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might help in determining whether you might need an agent’s assistance.

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance agents near you

A small number of people just prefer to sit down and talk to an agent and that can be a great decision A good thing about comparing rate quotes online is that you can obtain cheap insurance quotes but still work with a licensed agent.

After completing this simple form, your insurance data is transmitted to participating agents in Pittsburgh who will give you quotes for your coverage. You don’t have to contact an agency because prices are sent to you. You can find the lowest rates without a big time investment. If you have a need to get a comparison quote from a particular provider, you would need to search and find their rate quote page and complete a quote there.

Deciding on an insurer needs to be determined by more than just the premium amount. Some important questions to ask are:

Why you need car insurance

Even though it can be expensive, buying car insurance is mandatory in Pennsylvania but it also protects more than you think.

The benefits of carrying adequate insurance outweigh the cost, particularly for liability claims. As of last year, the average driver in Pennsylvania is overpaying more than $810 a year so we recommend shopping around each time the policy renews to save money.

Which car insurance company is best in Pittsburgh?

Choosing the right car insurance company can be challenging considering how many different insurance companies sell coverage in Pennsylvania. The rank data shown next may help you select which car insurance providers to look at purchasing coverage from.

Best Car Insurance Companies in Pittsburgh
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

Persistence is the key to cheap rates

Cost effective Dodge Ram 3500 insurance is available both online in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance companies don’t offer online quoting and many times these regional carriers prefer to sell through independent agents.

When getting Pittsburgh auto insurance quotes online, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits and found out when filing a claim that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Insureds switch companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason, finding a new company is less work than it seems.

Steps to finding more affordable Dodge Ram 3500 insurance in Pittsburgh

It takes a little time, but the best way to get low-cost auto insurance rates in Pittsburgh is to start comparing prices regularly from insurance carriers that sell auto insurance in Pennsylvania. This can be done by following these guidelines.

  1. Take a few minutes and learn about what is in your policy and the measures you can take to lower rates. Many policy risk factors that result in higher prices such as at-fault accidents and a bad credit rating can be improved by improving your driving habits or financial responsibility.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple sources.
  3. Compare the quotes to your existing coverage to see if cheaper Ram 3500 coverage is available. If you find a lower rate quote and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide notification to your current agent or company to cancel your current auto insurance policy. Submit a signed application and payment for the new coverage. Be sure to keep your new proof of insurance paperwork somewhere easily accessible.

An important part of this process is to use the same deductibles and limits on each quote and and to get rate quotes from all possible companies. This enables an apples-to-apples comparison and the best price quote selection.

Additional information