How to Save on Dodge Ram 3500 Insurance in Cincinnati

Searching for the most affordable Cincinnati Dodge Ram 3500 insurance quotes on the web may seem to be intimidating for vehicle owners that are relatively new to comparing rates over the internet. Since there are so many insurers available, how can you have a chance to compare the different rates to find the lowest price available?

Steps to saving on Dodge Ram 3500 insurance in Cincinnati

It takes a little time, but the best way to save money on Dodge Ram 3500 insurance is to start comparing rates regularly from providers who provide auto insurance in Cincinnati. Prices can be compared by following these steps.

Step 1: Spend a few minutes and learn about individual coverages and the factors you can control to lower rates. Many rating factors that result in higher prices such as at-fault accidents, careless driving, and a substandard credit history can be amended by paying attention to minor details. Read the full article for information to get cheaper rates and find additional discounts you may qualify for.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple companies.

Step 3: Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find better rates and change companies, make sure coverage is continuous and does not lapse.

Step 4: Provide written notification to your current company of your intention to cancel your current auto insurance policy. Submit a signed application and payment for your new coverage. Make sure you place your new certificate of insurance somewhere easily accessible.

One piece of advice is to use similar coverage information on each quote and and to get rates from as many companies as possible. This enables an apples-to-apples comparison and plenty of rates choose from.

It’s easy to assume that car insurance companies don’t want policyholders to compare prices from other companies. People who shop for lower rates will probably switch to a new company because there is a great chance of finding a lower-priced company. A study discovered that people who shopped around annually saved over $860 a year as compared to drivers who never shopped around for lower prices.

If finding the lowest price on Dodge Ram 3500 insurance in Cincinnati is the reason you’re here, then having an understanding of the best way to compare cheaper coverage can make the process less intimidating.

If you’re already insured, you will definitely be able to find better prices using the tips covered below. The intent of this article is to teach you a little about how to compare rates easily. But Ohio drivers must understand how insurance companies sell insurance online because it varies considerably.

Best companies for competitive Dodge Ram 3500 insurance in Ohio

The following companies are our best choices to provide free rate quotes in Ohio. To buy cheap car insurance in Cincinnati, OH, it’s a good idea that you visit two to three different companies to get the lowest price.

Rates and data analysis

The coverage information shown next covers different insurance coverage prices for Dodge Ram 3500 models. Knowing how insurance rates are formulated is important for making informed decisions when comparing rates.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can affect auto insurance rates noticeably.

Higher deductibles lower rates

When shopping for auto insurance, a common question is at what level do you set your deductibles. The data tables below help summarize how much more rates are of buying low and high deductibles. The first table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in vehicle location which can lower or raise coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $12 more each month or $144 annually across all Dodge Ram 3500 models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claims, you would come out ahead going with the higher deductible.

Gender-based auto insurance rates in Cincinnati

The information below visualizes the comparison of Dodge Ram 3500 insurance rates for male and female drivers. The rates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, single status, and no additional discounts are factored in.

Verify you’re applying every discount

The price of auto insurance can be rather high, but you might already qualify for some discounts that you may not even know about. Most are applied when you purchase, but once in a while a discount must be asked for before being credited.

• Resident Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
• Bundle and Save – If you combine your auto and homeowners policies with one insurance company you will save at least 10 to 15 percent or more.
• Discounts for New Vehicles – Insuring a new Ram 3500 can be considerably cheaper compared to insuring an older model.
• Driving Data Discount – Insureds that choose to allow their company to look at where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as the data is positive.
• Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction depending on your company.
• Drivers Ed for Students – Teen drivers should complete a driver education course in high school.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with lower rates due to less chance of an accident.
• Anti-lock Brake System – Vehicles with ABS and/or traction control are safer to drive so companies give up to a 10% discount.
• Cincinnati Homeowners Discount – Owning a home in Cincinnati may trigger a policy discount on auto insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Service Members Pay Less – Being on active duty in the military may lower your rates slightly.

While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So even though you would think you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will positively reduce your auto insurance premiums.

The diagram below visualizes the comparison of Dodge Ram 3500 auto insurance rates with and without discounts applied to the rates. The data assumes a female driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, marriage, and safe-driver discounts applied.

A list of companies and their possible discounts can be found below.

• State Farm offers discounts for multiple autos, Steer Clear safe driver discount, defensive driving training, accident-free, and safe vehicle.
• American Family offers premium reductions for multi-vehicle, bundled insurance, TimeAway discount, Steer into Savings, early bird, and mySafetyValet.
• AAA discounts include AAA membership discount, multi-policy, good student, pay-in-full, and good driver.
• GEICO may offer discounts for five-year accident-free, multi-policy, daytime running lights, air bags, defensive driver, and seat belt use.
• Mercury Insurance offers discounts including accident-free, age of vehicle, anti-theft, good driver, multi-policy, and multi-car.
• Farmers Insurance policyholders can earn discounts including bundle discounts, electronic funds transfer, switch companies, good student, and business and professional.
• Progressive may have discounts that include good student, online quote discount, multi-vehicle, online signing, and multi-policy.

Before purchasing a policy, check with every insurance company what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your area. To choose providers with significant discounts in Cincinnati, click this link.

When to have guidance from an agent

Some consumers just want to talk to an insurance agent and doing so can bring peace of mind The best thing about price shopping on the web is the fact that you can find lower rates but also keep your business local.

To help locate an agent, after submitting this simple form, the quote information is submitted to agents in your area who will give competitive quotes to get your business. You won’t need to search for any insurance agencies due to the fact that quote results will go immediately to you. Get lower rates and work with a local agent. If you want to quote rates from a specific auto insurance provider, you would need to search and find their rate quote page and complete a quote there.

Finding a good insurance company is decision based upon more than just a cheap price. Some important questions to ask are:

• Can you contact them at any time?
• How often do they review coverages?
• What insurance companies do they recommend if they are an independent agent?
• How is replacement cost determined on your vehicle?
• Where are claims handled?
• Are aftermarket or OEM parts used to repair vehicles?
• Are they able to influence company decisions when a claim is filed?

If you want to use a reliable insurance agent, it’s important to understand the different agency structures and how they operate. Agents in Cincinnati may be either exclusive agents or independent agents.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive work for only one company like Allstate, State Farm and Farm Bureau. They usually cannot give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents are usually well trained on sales techniques which helps them sell insurance even at higher premiums. Many people use the same exclusive agent mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Shown below is a list of exclusive agencies in Cincinnati that can give you price quote information.

• Dianne Michael – Allstate Insurance Agent
  5062 Delhi Ave – Cincinnati, OH 45238 – (513) 451-8700 – View Map
• GEICO Insurance Agent
  4081 E Galbraith Rd #1b – Cincinnati, OH 45236 – (513) 794-3426 – View Map
• Brad Robbins – State Farm Insurance Agent
  3111 Mozart Ave – Cincinnati, OH 45211 – (513) 662-2200 – View Map

View more Cincinnati agents

Independent Auto Insurance Agencies

Independent insurance agents are not required to write business for one company and that enables them to quote your coverage with a variety of different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, an independent agent can move your coverage which requires no work on your part.

If you are comparing rate quotes, you will want to get some free quotes from multiple independent agents for maximum quote selection. Most also write with companies you’ve never heard of who may have lower rates.

Below are independent agents in Cincinnati that are able to give rate quotes.

• Kinker-Eveleigh Insurance Agency
  7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615 – View Map
• United Heartland Insurance Agencies
  6701 Ruwes Oak Dr – Cincinnati, OH 45248 – (513) 896-5555 – View Map
• Ohio Insurance Center
  7404 Hamilton Ave – Cincinnati, OH 45231 – (513) 522-6300 – View Map

View more Cincinnati agents

More effort can pay off

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, extreme rates for teen drivers and even poor customer service. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

Cheap Dodge Ram 3500 insurance in Cincinnati can be sourced online as well as from insurance agents, so you should compare both so you have a total pricing picture. Some auto insurance companies do not provide rate quotes online and many times these small, regional companies work with local independent agents.

Throughout this article, we presented quite a bit of information on how to save on Dodge Ram 3500 insurance in Cincinnati. The key concept to understand is the more providers you compare, the better chance you’ll have of finding affordable Cincinnati auto insurance quotes. Consumers may even find the lowest rates come from some of the lesser-known companies.

How to quote cheaper Dodge Ram 3500 insurance in Cincinnati

If saving the most money is your goal, then the best way to find the cheapest price for Dodge Ram 3500 insurance is to regularly compare prices from companies who can sell car insurance in Cincinnati.

• Step 1: Take a few minutes and learn about auto insurance and the things you can control to prevent rate increases. Many risk factors that increase rates such as accidents, traffic violations, and an unacceptable credit rating can be amended by improving your driving habits or financial responsibility.
• Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while independent agencies can quote rates from many different companies.
• Step 3: Compare the new rate quotes to your current policy premium to see if cheaper Ram 3500 coverage is available in Cincinnati. If you find a lower rate and buy the policy, verify that coverage does not lapse between policies.

The most important part of shopping around is to make sure you enter the same coverage limits and deductibles on each quote and and to get rate quotes from every insurance company. This guarantees a level playing field and the best rate selection.

Other learning opportunities

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Who Has Cheap Cincinnati Auto Insurance for Teachers? (FAQ)
• Avoiding Deer Collisions (Insurance Information Institute)
• What is Covered by GAP Insurance? (Allstate)
• Frontal Crash Tests (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)