6 Discounts Las Vegas Drivers Neglect when Buying Insurance for a Dodge Ram 3500 Mega Cab Pickup

Las Vegas shoppers have a choice when shopping for affordable Dodge Ram 3500 Mega Cab Pickup insurance. You can either waste hours driving around to get rate comparisons or use the internet to compare rates.

There are more efficient ways to shop for car insurance and we’ll show you the absolute fastest way to get price quotes on a Dodge and find the cheapest rates from both online companies and Las Vegas agents.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. Nevertheless, Nevada car owners need to have an understanding of the methods companies use to price online insurance.

The best way we recommend to get policy rate comparisons utilizes the fact almost all companies allow for online access to compare their rates. All consumers are required to do is give them some information like whether you drive to work or school, the make and model of your vehicles, whether you are single or married, and if your license is active. Your details is instantly sent to many highly-rated insurers and they return quotes with very little delay.

To compare multiple company rates now, click here and enter your coverage details.

Cheaper rates with these six discounts

Auto insurance companies don’t list every disount available very clearly, so the list below contains a few of the more common and also the lesser-known credits that you can use to lower your rates.

• Sign Online – A few larger online companies provide a small discount digitally online.
• ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
• Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease on Ram Mega Cab pickup insurance with select insurance companies.
• Multi-policy Discount – If you can bundle your home and auto insurance and place coverage with the same company you could earn a discount of up to 20% and get you .
• Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
• Good Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates on Ram Mega Cab pickup insurance than drivers with accidents.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few of the larger companies and some of their more popular discounts are outlined below.

• GEICO includes discounts for daytime running lights, military active duty, multi-vehicle, good student, emergency military deployment, and multi-policy.
• SAFECO may have discounts that include teen safe driver, anti-lock brakes, teen safety rewards, multi-car, safe driver, and drive less.
• State Farm offers premium reductions for anti-theft, multiple policy, student away at school, good driver, accident-free, and multiple autos.
• MetLife discounts include multi-policy, good driver, claim-free, accident-free, good student, defensive driver
• 21st Century policyholders can earn discounts including air bags, defensive driver, 55 and older, anti-lock brakes, and driver training.
• Progressive has savings for multi-policy, online signing, good student, continuous coverage, homeowner, online quote discount, and multi-vehicle.

Before you buy a policy, ask each company the best way to save money. Some discounts listed above might not be offered in your area. If you would like to see a list of car insurance companies that offer multiple discounts in Las Vegas, follow this link.

What is the best car insurance coverage?

When buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

• Should I file a claim if it’s only slightly more than my deductible?
• How high should my medical payments coverage be?
• Do I need PIP coverage since I have good health insurance?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need added coverage for expensive stereo equipment?
• Is Nevada a no-fault state?
• Is my business laptop covered if it gets stolen from my vehicle?
• Why am I required to buy high-risk coverage?
• Does having multiple vehicles earn me a discount?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

More information is available on the website for the Nevada Division of Insurance. Click here for link. Consumers can read industry bulletins, read state legal mandates and laws, report car insurance fraud, and read enforcement actions against agents and companies.

Other related articles:

• Are Your Volkswagen Passat Auto Insurance Rates Too High in Las Vegas?
• Insure your GMC Envoy for Less in Las Vegas

Auto insurance coverage information

Learning about specific coverages of your car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses like X-ray expenses, ambulance fees, doctor visits and pain medications. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability – This protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, legal defense fees and medical services. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but drivers should carry higher limits.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many Nevada drivers carry very low liability coverage limits (Nevada limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Collision – This will pay to fix damage to your Ram 3500 Mega Cab Pickup from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive car insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

In Summary

You just read a lot of ways to shop for Dodge Ram 3500 Mega Cab Pickup insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. You may even find the biggest savings come from a small local company.

Drivers change insurance companies for many reasons like extreme rates for teen drivers, delays in responding to claim requests, policy non-renewal or an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right car insurance provider is actually quite simple.

As you shop your coverage around, never skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.