Best Dodge Ram 3500 Insurance in Indianapolis

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Unimaginable but true, almost 70% of drivers in Indiana have remained with the same car insurance company for four years or more, and virtually 40% of consumers have never compared car insurance rates at all. Most drivers in the United States can save $860 each year just by getting comparison quotes, but most undervalue the large savings they would see if they changed companies.

Discount Dodge Ram 3500 insuranceIf you want to save money, the best way to get affordable Dodge Ram 3500 insurance is to compare quotes annually from companies who provide car insurance in Indianapolis.

  • Step 1: Read and learn about how auto insurance works and the measures you can control to drop your rates. Many factors that result in higher rates like high-risk driving behaviors and an unacceptable credit history can be eliminated by paying attention to minor details.
  • Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while agents who are independent can provide rate quotes for many different companies.
  • Step 3: Compare the new rates to your current policy premium to see if a cheaper price is available. If you find a lower rate quote and decide to switch, make sure there is no coverage gap between policies.

The key thing to know about shopping around is to use similar limits and deductibles on every quote request and and to get rate quotes from all possible companies. Doing this ensures the most accurate price comparison and a thorough selection of prices.

These tips will teach you how insurance works and how you can save the most money. If you're already insured, you stand a good chance to be able to find the best rates using the ideas you're about to read. But Indiana consumers must learn how companies market on the web and use this information to your advantage.

Most larger insurance companies provide coverage prices on the web. Comparing Dodge Ram 3500 insurance rates online is easy for anyone as you simply type in your coverage preferences as detailed in the form. After the form is submitted, the quote system automatically retrieves your driving and credit reports and returns a price quote.

Being able to quote online for Dodge Ram 3500 insurance in Indianapolis helps simplify price comparisons, and it is important to get many rate quotes in order to get the most affordable premium.

If you want to compare rates now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you type in deductibles and limits exactly as shown on your declarations page. This makes sure you are getting an apples-to-apples comparison based on similar coverages.

The companies in the list below can provide quotes in Indiana. If multiple companies are listed, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.

Protect your Dodge Ram 3500 and other assets

Despite the potentially high cost of Dodge Ram 3500 insurance, insuring your vehicle may be required for several reasons.

  • Most states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance in order to get the vehicle licensed. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a loan on your Dodge, almost all lenders will require you to have full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank will be required to insure your Dodge for a much higher rate and require you to fork over the higher premium.
  • Car insurance protects both your Dodge Ram 3500 and your personal assets. It will also reimburse you for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having car insurance more than offset the price you pay, especially for larger claims. According to a recent study, the average American driver overpays more than $869 every year so you should quote and compare rates at every renewal to help ensure money is not being wasted.

Statistics and details

The data table shown below outlines detailed analysis of insurance costs for Dodge Ram 3500 models. Having a better understanding of how insurance rates are established can help customers make smart policy decisions.

Dodge Ram 3500 Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $280 $366 $368 $22 $110 $1,146 $96
Ram 3500 Crew Cab ST 2WD $342 $430 $368 $22 $110 $1,272 $106
Ram 3500 Crew Cab ST 4WD $342 $496 $552 $32 $166 $1,588 $132
Ram 3500 Crew Cab SLT 2WD $342 $496 $368 $22 $110 $1,338 $112
Ram 3500 Mega Cab SLT 2WD $342 $496 $368 $22 $110 $1,338 $112
Ram 3500 Mega Cab SLT 4WD $342 $562 $552 $32 $166 $1,654 $138
Ram 3500 Crew Cab SLT 4WD $342 $562 $552 $32 $166 $1,654 $138
Ram 3500 Crew Cab Laramie 4WD $342 $562 $552 $32 $166 $1,654 $138
Ram 3500 Mega Cab Laramie 2WD $342 $496 $368 $22 $110 $1,338 $112
Ram 3500 Crew Cab Laramie 2WD $342 $496 $368 $22 $110 $1,338 $112
Ram 3500 Mega Cab Laramie 4WD $342 $562 $552 $32 $166 $1,654 $138
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in vehicle location which can influence rates noticeably.

Choosing deductibles

One of the most common auto insurance questions is where should you set your physical damage deductibles. The following insurance rates may help you to understand the rate difference when you select higher and lower insurance deductibles. The first rate quote example uses a $100 physical damage deductible and the second price chart uses a $1,000 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 $272 $436 $280 $16 $84 $1,113 $93
Ram 3500 Crew Cab ST 2WD $334 $514 $280 $16 $84 $1,253 $104
Ram 3500 Crew Cab ST 4WD $334 $592 $422 $24 $126 $1,523 $127
Ram 3500 Crew Cab SLT 2WD $334 $592 $280 $16 $84 $1,331 $111
Ram 3500 Mega Cab SLT 2WD $334 $592 $280 $16 $84 $1,331 $111
Ram 3500 Mega Cab SLT 4WD $334 $670 $422 $24 $126 $1,601 $133
Ram 3500 Crew Cab SLT 4WD $334 $670 $422 $24 $126 $1,601 $133
Ram 3500 Crew Cab Laramie 4WD $334 $670 $422 $24 $126 $1,601 $133
Ram 3500 Mega Cab Laramie 2WD $334 $592 $280 $16 $84 $1,331 $111
Ram 3500 Crew Cab Laramie 2WD $334 $592 $280 $16 $84 $1,331 $111
Ram 3500 Mega Cab Laramie 4WD $334 $670 $422 $24 $126 $1,601 $133
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Dodge Ram 3500 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $152 $230 $280 $16 $84 $762 $64
Ram 3500 Crew Cab ST 2WD $186 $270 $280 $16 $84 $836 $70
Ram 3500 Crew Cab ST 4WD $186 $312 $422 $24 $126 $1,070 $89
Ram 3500 Crew Cab SLT 2WD $186 $312 $280 $16 $84 $878 $73
Ram 3500 Mega Cab SLT 2WD $186 $312 $280 $16 $84 $878 $73
Ram 3500 Mega Cab SLT 4WD $186 $352 $422 $24 $126 $1,110 $93
Ram 3500 Crew Cab SLT 4WD $186 $352 $422 $24 $126 $1,110 $93
Ram 3500 Crew Cab Laramie 4WD $186 $352 $422 $24 $126 $1,110 $93
Ram 3500 Mega Cab Laramie 2WD $186 $312 $280 $16 $84 $878 $73
Ram 3500 Crew Cab Laramie 2WD $186 $312 $280 $16 $84 $878 $73
Ram 3500 Mega Cab Laramie 4WD $186 $352 $422 $24 $126 $1,110 $93
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in specific zip code location which can modify prices noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $37 more each month or $444 every year across all Dodge Ram 3500 models than selecting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 24 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Full coverage rates compared to liability-only

The example below shows the comparison of Dodge Ram 3500 insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no violations or accidents, $250 deductibles, drivers are single, and no discounts are factored in.

When to drop comp and collision

There is no set guideline for phasing out comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's assume your Dodge Ram 3500 replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after the policy deductible has been paid. If you are paying over $600 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Cheap Indianapolis auto insurance rates with discounts

Auto insurance is expensive, but there are discounts available to cut the cost considerably. Some trigger automatically at the time you complete a quote, but some must be specifically requested before you get the savings. If they aren't giving you every credit you deserve, you are not getting the best rate possible.Cheaper auto insurance with discounts

  • Air Bags and Passive Restraints - Vehicles with factory air bags could see savings as much as 30%.
  • Sign Early and Save - Some insurance companies provide a discount for switching policies prior to your current Ram 3500 insurance policy expiration. Ten percent is about the average savings.
  • Own a Home and Save - Just owning your own home can help you save on auto insurance because it requires personal responsibility.
  • Include Life Insurance and Save - Companies who offer life insurance give a discounted premium rate on car insurance if you buy life insurance.
  • Accident Forgiveness - This one is not really a discount per se, but companies like Progressive, Allstate, and GEICO will forgive one accident before raising your premiums as long as you don't have any claims prior to being involved in the accident.
  • Save over 55 - Seniors may qualify for a discount up to 10%.
  • Defensive Driver Discounts - Successfully completing a course in driver safety could earn you a small percentage discount and make you a better driver.
  • Service Members Pay Less - Having an actively deployed family member could be rewarded with lower auto insurance rates.

As a sidenote, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it's just not the way it works. But any discount will lower your overall bill.

The illustration below shows the difference between Dodge Ram 3500 car insurance rates with and without some available policy discounts. The data is based on a male driver, no violations or accidents, Indiana 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 multi-policy, safe-driver, homeowner, claim-free, marriage, and multi-car discounts applied.

Companies and their possible discounts can be read below.

  • Farm Bureau may include discounts for good student, youthful driver, safe driver, renewal discount, and driver training.
  • Liberty Mutual discounts include teen driver discount, preferred payment discount, good student, hybrid vehicle, new move discount, and multi-car.
  • State Farm offers discounts including Drive Safe & Save, Steer Clear safe driver discount, multiple autos, safe vehicle, defensive driving training, passive restraint, and student away at school.
  • Auto-Owners Insurance policyholders can earn discounts including paid in full, multiple vehicles, group or association, good student, student away at school, teen driver, and air bags.
  • GEICO offers discounts for emergency military deployment, membership and employees, seat belt use, driver training, and multi-vehicle.
  • SAFECO may offer discounts for teen safety rewards, safe driver, homeowner, teen safe driver, and bundle discounts.

If you want affordable Dodge Ram 3500 insurance quotes, ask each company to apply every possible discount. A few discounts might not be available to policyholders in Indianapolis. To view companies who offer auto insurance discounts in Indianapolis, click this link.

How to know if you need help

When it comes to choosing coverage online or from an agent for your personal vehicles, there really isn't a one-size-fits-all type of policy. Your needs are unique to you.Drive safe and save

These are some specific questions might help in determining whether you may require specific advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • When would I need additional glass coverage?
  • Who sells insurance for high-risk drivers?
  • Are my tools covered if they get stolen from my vehicle?
  • Is motorclub coverage worth it?
  • Can I drive in Mexico and have coverage?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form.