Cheapest Insurance for a Dodge Ram 3500 in Tampa

Would you like to save money by finding lower-priced Dodge Ram 3500 insurance in Tampa? Searching for cheaper insurance for a new or used Dodge Ram 3500 in Florida can be difficult, but you can use the following methods and make it easy. There is a better way to find insurance online so we’re going to tell you the proper way to quote coverages on a Dodge and locate the lowest possible price from Tampa insurance agents and online providers.

Get discounts on Tampa car insurance

Car insurance is not cheap nor is it fun to buy but you may find discounts to cut the cost considerably. Certain reductions will be credited when you complete an application, but a few must be specifically requested prior to getting the savings.

• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less since new vehicles have better safety ratings.
• Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with slightly better car insurance rates than normal.
• Student Discounts – Getting good grades may save you up to 25%. Most companies allow this discount until age 25.
• Data Collection Discounts – Drivers that enable companies to scrutinize when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
• Responsible Driver Discounts – Accident-free drivers could pay up to 40% less than less cautious drivers.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free car insurance policy, it’s just not the way it works.

The chart below shows the comparison of Dodge Ram 3500 insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, a clean driving record, no claims, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, marriage, and homeowner discounts applied.

To view insurers with the best discounts in Tampa, click this link.

The companies shown below have been selected to offer price quotes in Tampa, FL. To locate cheap car insurance in Tampa, we recommend you click on several of them to get the best price comparison.

Auto insurance statistics for a Dodge Ram 3500

The coverage table below covers estimates of prices for Dodge Ram 3500 models. Having knowledge of how auto insurance premiums are calculated can be of help when making smart policy decisions.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific Tampa garaging location which can modify prices considerably.

An analysis of deductible level

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The tables below outline the difference in cost of buying low and high insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in vehicle location which can alter auto insurance rates substantially.

Based on the figures above, using a $250 deductible would cost the average driver about $21 more each month or $252 every year than selecting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 12 months between claim filings, you would come out ahead if you decide on a higher deductible.

Compare prices but buy from a local Tampa insurance agency

Some people still prefer to sit down with an agent and that can be a smart move Good insurance agents are trained risk managers and help file insurance claims. One of the best bonuses of getting free rate quotes online is the fact that drivers can get cheaper rates but still work with a licensed agent.

After completing this quick form, the coverage information is instantly submitted to local insurance agents in Tampa that give free quotes for your business. It simplifies rate comparisons since you won’t have to even leave your home as quotes are delivered straight to your inbox. In the event you want to compare prices from a specific company, you can always search and find their rate quote page and submit a quote form there.

Deciding on an company shouldn’t rely on just the bottom line cost. You should also get answers to these questions.

• Which company do they place the most coverage with?
• Is vehicle mileage a factor when determining depreciation for repairs?
• What companies can they write with?
• What is the financial rating for the quoted company?
• How long have they worked with personal auto insurance coverage?
• Will one accident increase rates?
• Are they actively involved in the community?
• What insurance companies do they recommend if they are an independent agent?

If you are wanting to find a reliable insurance agency, it helps to know the two types of insurance agents that you can select. Insurance agencies in Tampa are categorized either independent agents or exclusive agents depending on their employer. Either one can write car insurance policies, but it’s important to know the difference between them because it can impact which type of agent you select.

Exclusive Agencies

Exclusive insurance agents normally can only provide a single company’s rates and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates. Consumers often use the same agent primarily because of the brand legacy rather than low price.

Shown below are exclusive agents in Tampa that can give you price quotes.

• American Family Agencies
  8501 N Florida Ave – Tampa, FL 33604 – (813) 930-0400 – View Map
• Allstate Insurance: Bruce Kestenbaum
  320 E Fletcher Ave – Tampa, FL 33612 – (813) 513-8800 – View Map
• Ray Mathews – State Farm Insurance Agent
  15271 Amberly Dr – Tampa, FL 33647 – (813) 978-1898 – View Map

More insurance agents

Independent Car Insurance Agencies

Independent insurance agents often have many company appointments and that is an advantage because they can write policies with a variety of different insurance companies depending on which coverage is best. If prices rise, an independent agent can move your coverage and the insured can keep the same agent. When comparing rates, you definitely need to check rates from at least one independent agent to ensure the widest selection of prices. Most independent agents also contract with less well-known companies that may provide cheaper car insurance rates.

Shown below are Tampa independent agencies that can give you rate quotes.

• Ken Anthony Insurance Agency – Affinity Insurance
  8010 N 56th St – Tampa, FL 33617 – (813) 251-8685 – View Map
• GreatFlorida Insurance – Mike Polivchak
  3928 W Hillsborough Ave – Tampa, FL 33614 – (813) 870-2334 – View Map
• Geocite Insurance Agency
  3105 W Waters Ave #313 – Tampa, FL 33614 – (813) 510-5366 – View Map

More insurance agents

What is the best car insurance company in Florida?

Choosing the top auto insurance company can be challenging considering how many choices you have in Florida. The ranking data in the lists below can help you decide which coverage providers you want to consider shopping prices with.

Top 10 Tampa Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 Tampa Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Find cheap rates by being thorough

Drivers change insurance companies for a variety of reasons including lack of trust in their agent, extreme rates for teen drivers, an unsatisfactory settlement offer and even being labeled a high risk driver. Whatever your reason, switching car insurance companies is less work than it seems.

You just learned many ideas to reduce Dodge Ram 3500 insurance prices online in Tampa. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may even discover the biggest savings come from a small mutual company.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are too many instances where someone dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The aim is to find the BEST coverage at the best price while not skimping on critical coverages.

Steps to finding discount Dodge Ram 3500 insurance in Tampa

Truthfully, the best way to find low-cost prices for car insurance rates is to begin comparing prices regularly from different companies who provide auto insurance in Tampa.

First, get a basic knowledge of how insurance works and the factors you can control to prevent expensive coverage. Many rating factors that are responsible for high rates such as speeding and poor credit rating can be amended by making lifestyle changes or driving safer.

Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes for a wide range of insurance providers.

Third, compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.

One thing to point out is to make sure you enter similar deductibles and liability limits on every quote request and and to compare as many companies as possible. This enables a fair price comparison and and a good selection of different prices.

To read more, take a look at the following helpful articles:

• Vehicle Insurance (Wikipedia)
• What Insurance is Cheapest for Drivers with Bad Credit in Tampa? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for a Honda CR-V in Tampa? (FAQ)
• Who Has the Cheapest Tampa Car Insurance Rates for a Dodge Ram? (FAQ)
• Older Drivers FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Red Light Cameras (State Farm)
• Prom Night Tips for Teen Drivers (State Farm)