Best Ways to Save on Lincoln Dodge Ram 3500 Insurance

Insurance quote for Dodge Ram 3500 in LincolnTruthfully, the best way to get the cheapest Dodge Ram 3500 insurance in Lincoln is to compare prices once a year from insurance carriers in Nebraska.

A good piece of advice is that you’ll want to make sure you compare identical deductibles and limits on every price quote and to quote with as many carriers as you can. This guarantees an accurate price comparison and the best price selection.

Unbelievable but true according to a study the vast majority of consumers in Nebraska have stayed with the same insurance company for more than four years, and practically 40% of insurance customers have never even compared rates from other companies. American drivers can cut their rates by $850 a year, but they just don’t understand how much money they would save if they replace their high priced policy.

This article will let you in on how insurance works and also save some money in the process If you have a current insurance policy, you will be able to reduce premiums using the ideas you’re about to read. But Nebraska car owners benefit from understanding how insurance companies determine prices because it varies considerably.

Get More Affordable Insurance Premiums by Understanding These Factors

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but other criteria are more obscure such as your marital status or your vehicle rating. One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that go into determining your premiums. If you understand what determines base rates, this empowers consumers to make smart changes that could result in lower premium levels.

The factors shown below are some of the major factors used by your company to calculate your prices.

The fastest way that we advise to compare insurance rates from multiple companies takes advantage of the fact most of the larger companies allow for online access to provide you with free rate quotes. The only thing you need to do is give the companies some data such as any included safety features, if you have an active license, the ages of drivers, and if you require a SR-22. That rating data is then sent to many of the top insurers and they provide comparison quotes instantly to find the best rate.

To check Dodge Ram 3500 insurance prices now, click here and enter your coverage details.

The companies shown below provide quotes in Nebraska. To locate the best car insurance in Lincoln, we suggest you visit as many as you can to get the best price comparison.

Rates and other information

The coverage information shown next outlines a range of insurance coverage prices for Dodge Ram 3500 models. Learning more about how rate quotes are calculated can help you make smart choices when comparing insurance quotes.


Dodge Ram 3500 Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $182 $324 $338 $20 $102 $966 $81
Ram 3500 Crew Cab ST 2WD $224 $382 $338 $20 $102 $1,066 $89
Ram 3500 Crew Cab ST 4WD $224 $440 $508 $30 $152 $1,354 $113
Ram 3500 Crew Cab SLT 2WD $224 $440 $338 $20 $102 $1,124 $94
Ram 3500 Mega Cab SLT 2WD $224 $440 $338 $20 $102 $1,124 $94
Ram 3500 Mega Cab SLT 4WD $224 $498 $508 $30 $152 $1,412 $118
Ram 3500 Crew Cab SLT 4WD $224 $498 $508 $30 $152 $1,412 $118
Ram 3500 Crew Cab Laramie 4WD $224 $498 $508 $30 $152 $1,412 $118
Ram 3500 Mega Cab Laramie 2WD $224 $440 $338 $20 $102 $1,124 $94
Ram 3500 Crew Cab Laramie 2WD $224 $440 $338 $20 $102 $1,124 $94
Ram 3500 Mega Cab Laramie 4WD $224 $498 $508 $30 $152 $1,412 $118
Get Your Own Custom Quote Go

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location which can change auto insurance rates greatly.

Comparison of policy deductibles

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The data tables below sum up the cost difference between low and high physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.


Dodge Ram 3500 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $262 $390 $300 $18 $90 $1,085 $90
Ram 3500 Crew Cab ST 2WD $322 $460 $300 $18 $90 $1,215 $101
Ram 3500 Crew Cab ST 4WD $322 $530 $450 $26 $134 $1,487 $124
Ram 3500 Crew Cab SLT 2WD $322 $530 $300 $18 $90 $1,285 $107
Ram 3500 Mega Cab SLT 2WD $322 $530 $300 $18 $90 $1,285 $107
Ram 3500 Mega Cab SLT 4WD $322 $600 $450 $26 $134 $1,557 $130
Ram 3500 Crew Cab SLT 4WD $322 $600 $450 $26 $134 $1,557 $130
Ram 3500 Crew Cab Laramie 4WD $322 $600 $450 $26 $134 $1,557 $130
Ram 3500 Mega Cab Laramie 2WD $322 $530 $300 $18 $90 $1,285 $107
Ram 3500 Crew Cab Laramie 2WD $322 $530 $300 $18 $90 $1,285 $107
Ram 3500 Mega Cab Laramie 4WD $322 $600 $450 $26 $134 $1,557 $130
Get Your Own Custom Quote Go

Dodge Ram 3500 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $212 $314 $300 $18 $90 $934 $78
Ram 3500 Crew Cab ST 2WD $262 $370 $300 $18 $90 $1,040 $87
Ram 3500 Crew Cab ST 4WD $262 $428 $450 $26 $134 $1,300 $108
Ram 3500 Crew Cab SLT 2WD $262 $428 $300 $18 $90 $1,098 $92
Ram 3500 Mega Cab SLT 2WD $262 $428 $300 $18 $90 $1,098 $92
Ram 3500 Mega Cab SLT 4WD $262 $484 $450 $26 $134 $1,356 $113
Ram 3500 Crew Cab SLT 4WD $262 $484 $450 $26 $134 $1,356 $113
Ram 3500 Crew Cab Laramie 4WD $262 $484 $450 $26 $134 $1,356 $113
Ram 3500 Mega Cab Laramie 2WD $262 $428 $300 $18 $90 $1,098 $92
Ram 3500 Crew Cab Laramie 2WD $262 $428 $300 $18 $90 $1,098 $92
Ram 3500 Mega Cab Laramie 4WD $262 $484 $450 $26 $134 $1,356 $113
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific zip code location which can increase or decrease coverage rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $16 more each month or $192 for a full year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 16 months between claim filings, you would save more money going with the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $115
Average monthly premium for $500 deductibles (subtract): – $99
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

The chart below demonstrates how deductible levels and can impact Dodge Ram 3500 yearly insurance costs for different categories of driver ages. The data is based on a married female driver, full coverage, and no discounts are taken into consideration.

Yearly auto insurance costs for men versus women

The information below illustrates the comparison of Dodge Ram 3500 insurance rates for male and female drivers. The data assumes no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Car insurance does more than just repair your car

Even though it’s not necessarily cheap to insure a Dodge in Lincoln, buying car insurance is a good idea for several reasons.

The benefits of insuring your Ram 3500 outweigh the cost, specifically if you ever have a liability claim. Today the average American driver is wasting up to $800 each year so it’s important to compare rates at every renewal to make sure the price is not too high.

Affordable Lincoln insurance quotes with discounts

Insurance is not inexpensive, but you may be missing some discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but a few need to be manually applied prior to getting the savings.Insurance discounts

You can save money using discounts, but many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free insurance policy, you’re out of luck.

The information below illustrates the comparison of Dodge Ram 3500 insurance costs with and without discounts applied to the premium. The information is based on a female driver, no tickets, no at-fault accidents, Nebraska 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 homeowner, multi-car, marriage, safe-driver, claim-free, and multi-policy discounts applied.

Popular insurance companies and some of the discounts are detailed below.

It’s a good idea to ask all companies you are considering which discounts can lower your rates. Some credits may not apply in Lincoln. To choose insurance companies that provide some of the discounts listed above in Lincoln, click here to view.

Insurance agent or online?

Many people would rather have an agent’s advice and that is a personal choice. The best thing about price shopping on the web is that drivers can save money and get the lowest rates and still have a local agent. Buying insurance from neighborhood agents is important particularly in Lincoln.

Insurance agents in LincolnAfter completing this form (opens in new window), your coverage information is immediately sent to agents in your area who want to provide quotes to get your business. It makes it easy because there is no need to contact any insurance agencies because quoted prices will be sent immediately to your email address. You can get cheaper car insurance rates and a licensed agent to talk to. If for some reason you want to get a comparison quote for a specific company, you can always visit that company’s website to submit a rate quote request.

If you need to find a local Lincoln insurance agent, it’s helpful to know the different types of agencies and how they are slightly different. Lincoln agents can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agents (or Brokers)

Independent insurance agents are not required to write business for one company so they can quote policies with multiple insurance companies and find you the best rates. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to do anything.

When comparing car insurance prices, we recommend you get several quotes from multiple independent agents to maximize your price options.

Shown below are independent insurance agents in Lincoln who may provide competitive price quotes.

Mid Mex Insurance Inc
1010 South St ALincoln, NE 68502(402) 438-6800View Map


8531 Lexington Ave #102aLincoln, NE 68505(402) 466-5655View Map

AMS Insurance Center
120 S 29th StLincoln, NE 68510(402) 476-3599View Map

More insurance agents

Exclusive Agencies

Exclusive insurance agents can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. They are unable to provide other company’s prices so keep that in mind. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates.

Below are Lincoln exclusive agencies willing to provide rate quotes.


6211 O St BLincoln, NE 68510(402) 488-8997View Map


7111 A St #103Lincoln, NE 68510(402) 413-7111View Map


4949 N 26th St cLincoln, NE 68521(402) 435-5757View Map

More insurance agents

Choosing an auto insurance agent should include more criteria than just a cheap price. These are some valid questions you should ask.

After you get good responses to these questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that is a good match to insure your vehicles.

Situations that may require an agent’s advice

When buying the right insurance coverage for your personal vehicles, there really isn’t a one size fits all plan. Every insured’s situation is different so your insurance should reflect thatHigher deductibles save money
These are some specific questions can help discover if your insurance needs might need professional guidance.

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Don’t give up on cheap premiums

The cheapest Dodge Ram 3500 insurance in Lincoln can be bought both online in addition to many Lincoln insurance agents, so you need to quote Lincoln auto insurance with both so you have a total pricing picture. A few companies may not have the ability to get quotes online and these smaller companies only sell coverage through local independent agencies.

You just learned a lot of techniques to find cheaper Dodge Ram 3500 insurance in Lincoln. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive Lincoln auto insurance quotes. Consumers could even find that the lowest auto insurance rates come from a small local company. Smaller companies often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.

Additional car insurance information is available at the links below