Best Dodge Ram 3500 Insurance in Corpus Christi

Locating better insurance prices for a Dodge Ram 3500 in Texas can turn out to be an all-consuming task, but you can learn our insurance buying tips to find lower rates.

There are more efficient ways to compare insurance rates so you’re going to learn the quickest way to get price quotes for your Dodge and obtain the best price possible from both online companies and Corpus Christi agents.

It’s smart to price shop coverage once or twice a year due to the fact that insurance rates are usually higher with each renewal. Just because you found the best rate on Dodge Ram 3500 insurance in Corpus Christi two years ago you can probably find a lower rate today. You’ll find a ton of advice on Ram 3500 insurance out there, but in a few minutes you can learn some guaranteed methods to put money back in your pocket.

The companies shown below provide price quotes in Texas. If you want to find the cheapest car insurance in Corpus Christi, TX, it’s a good idea that you compare several of them to find the lowest car insurance rates.

Auto insurance discounts are available for cheaper rates

Auto insurance can be pricey, but you may find discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but a few must be manually applied before being credited. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.

• Senior Citizen Discount – If you’re over the age of 55, you may be able to get better auto insurance rates.
• Multi-policy Discount – If you can combine your auto and homeowners policy with the same insurance company you will save up to 20% and get you low cost Dodge Ram 3500 insurance.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
• Low Miles Discount – Maintaining low annual mileage can qualify you for lower premium rates due to less chance of an accident.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
• Smart Student Discounts – Performing well in school may save you up to 25%. The discount lasts up to age 25.

Discounts lower rates, but most discount credits are not given to the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

The example below illustrates the difference between Dodge Ram 3500 insurance costs with and without discounts applied. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, multi-policy, marriage, and claim-free discounts applied.

A few popular companies and a summarized list of policyholder discounts are shown below.

• Farm Bureau may offer discounts for youthful driver, multi-vehicle, safe driver, 55 and retired, renewal discount, and good student.
• Liberty Mutual offers discounts for multi-car, exclusive group savings, new move discount, newly married, multi-policy, safety features, and newly retired.
• State Farm has savings for driver’s education, anti-theft, Steer Clear safe driver discount, defensive driving training, and good student.
• Auto-Owners Insurance offers discounts including anti-lock brakes, good student, multi-policy, group or association, mature driver, and teen driver.
• GEICO may include discounts for air bags, anti-lock brakes, five-year accident-free, defensive driver, driver training, and membership and employees.
• SAFECO policyholders can earn discounts including teen safety rewards, anti-lock brakes, safe driver, bundle discounts, anti-theft, multi-car, and homeowner.

When quoting, ask every insurance company which discounts they offer. Some of the earlier mentioned discounts might not be offered in Corpus Christi. For a list of companies with significant discounts in Corpus Christi, click here to view.

Dodge Ram 3500 detailed coverage information

The premium information shown next showcases detailed analysis of rate quotes for Dodge Ram 3500 models. Learning how premiums are established can assist in making decisions on the best policy to buy.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific location which can change premiums noticeably.

Analysis of deductible levels

The hardest decision when buying coverage is at what level do you set your deductibles. The figures shown below may aid in understanding the rate differences between low and high physical damage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate information does not factor in garaging location in Corpus Christi which can raise or lower premiums significantly.

Based on the above data, using a $100 deductible costs roughly $34 more each month or $408 every year across all Dodge Ram 3500 models than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 12 months between claim filings, you would more than likely save some money by selecting a higher deductible. Here is an example of how you can come to your own conclusion.

One big caveat is that raising deductibles means you pay more out-of-pocket when you have a claim. You must have some savings in the bank in the event you have to pay more to get your vehicle repaired.

The illustration below shows how different deductible levels and can impact Dodge Ram 3500 insurance costs for each different age category. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Tickets and at-fault accidents raise rates

The information below illustrates how speeding tickets and at-fault collisions influence Dodge Ram 3500 auto insurance costs for each different age category. The prices are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Males versus Females

The chart below visualizes the comparison of Dodge Ram 3500 premium costs for male and female drivers. Data assumes no accidents or driving violations, full physical damage coverage, $100 deductibles, single status, and no discounts are applied to the premium.

Best auto insurance in Texas

Picking a highly-rated auto insurance company can be difficult considering how many choices drivers have in Texas. The information shown below could help you pick which insurers to look at when shopping your coverage around.

Top 10 Corpus Christi Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Educated Choices Result in Lower Insurance Rates

Many factors are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other factors are more obscure such as whether you are married or how safe your car is.

The itemized list below are some of the items that factor into your premiums.

Only buy add-on coverages you need – There are a lot of extra coverages that can waste your money if you aren’t careful. Coverages like rental car coverage, accidental death, and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate them to save money.

Save money with good credit – A driver’s credit rating is a big factor in determining your rates. Therefore, if your credit score can be improved, you may save money insuring your Dodge Ram 3500 by improving your rating. Drivers with high credit scores tend to be more responsible and file fewer claims than drivers with poor credit scores.

Auto insurance rates and your occupation – Occupations such as judges, social workers, and dentists generally pay higher rates than the rest of us in part from intense work-related stress and lots of time spent at work. Conversely, professions such as farmers, students and the unemployed pay lower than average rates.

Insurance costs and vehicle performance – The make and model of the car, truck or SUV you are insuring makes a huge difference in your premium level. Low performance passenger models usually are quite affordable to insure, but many other things help determine your insurance rates.

The following data is based on a married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It illustrates Dodge Ram 3500 policy rates compared to other models of vehicles that have different performance rating factors.

Vehicle features that lower auto insurance rates – Purchasing a vehicle that has an advanced theft prevention system can earn a premium discount. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your vehicle from being stolen.

Pay more out-of-pocket – Physical damage deductibles tell how much the insured will be required to pay before your auto insurance pays a claim. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Examples of covered claims are a windshield broken by a bird, collision with a deer, or theft of your vehicle. The more of the claim you choose to pay out-of-pocket, the lower your rates will be.

Car insurance liability insurance limits – Liability coverage will protect you in the event that you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides you with a defense in court starting from day one. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Cheaper premiums for prior coverage – Allowing your auto insurance policy to lapse will be a quick way to bump up your auto insurance costs. And not only will your rates increase, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Texas motor vehicle department.