Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 4, 2017

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Want the cheapest car insurance rates for your Dodge Ram Pickup 3500? Are you drained from not being able to scrape enough together each month for car insurance? You are in the same boat as most other drivers.

Since drivers have many car insurance companies to choose from, it can be challenging to find the most affordable insurance company.

Drivers can save with these ten discounts

Some companies do not advertise all their discounts very clearly, so the list below gives a summary of some of the best known and also the more inconspicuous discounts that you may qualify for.

  • Passenger Safety Discount – Vehicles equipped with air bags can receive discounts of 20 to 30 percent.
  • Club Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break on car insurance.
  • Discounts for Cautious Drivers – Safe drivers may receive a discount up to 45% for Ram pickup insurance than drivers with accident claims.
  • Good Student Discount – Excelling in school can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • Save over 55 – If you’re over the age of 55, you may be able to get lower premium rates for Ram pickup insurance.
  • Early Renewal Discounts – Select insurance companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
  • Distant Student – who live away from home at college and leave their car at home could qualify for this discount.
  • No Charge for an Accident – Not necessarily a discount, but a few companies such as Progressive and Allstate will let one accident slide before raising your premiums if you are claim-free for a specific time period.
  • Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for newer models.

A quick disclaimer, some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works.

A list of car insurance companies and the discounts they provide are:

  • GEICO offers premium reductions for anti-lock brakes, multi-vehicle, anti-theft, seat belt use, five-year accident-free, good student, and military active duty.
  • USAA has discounts for safe driver, loyalty savings, driver training, new vehicle, and military installation.
  • Progressive policyholders can earn discounts including good student, online signing, continuous coverage, online quote discount, homeowner, multi-vehicle, and multi-policy.
  • American Family has savings for multi-vehicle, good driver, Steer into Savings, mySafetyValet, bundled insurance, and TimeAway discount.
  • Esurance offers discounts for DriveSense, homeowner, emergency road assistance, good driver, and claim free.
  • Farmers Insurance discounts include distant student, bundle discounts, electronic funds transfer, homeowner, and alternative fuel.
  • State Farm may include discounts for multiple autos, accident-free, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, and driver’s education.

If you want cheap car insurance quotes, ask every prospective company which discounts they offer. All car insurance discounts might not be offered on policies in your area. To choose providers with discount rates, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Do drivers who switch really save $448 a year?

Progressive, Allstate and GEICO endlessly run ads in print and on television. All the ads try to convey promises about saving some big amount after switching your policy. How do they all sell you cheaper insurance coverage? It’s all in the wording.

Insurance coverage companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no claims, and drives less than 7,500 miles a year. Any customer who fits those characteristics will most likely get cheap premium rates and is almost guaranteed to cut their rates if they switch.

Insureds who don’t qualify for these standards may be required to pay higher premium rates with the end result being business not being written. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that kind of money. This is how companies can truthfully make those statements. This really drives home the point why you need to get price quotes at each policy renewal. Because you never know which insurance companies will have better rates than you’re paying now.

Special considerations

When buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Do I have coverage when using my vehicle for my home business?
  • What companies insure drivers after a DUI or DWI?
  • When should my teen driver be added to my policy?
  • Will my rates increase for filing one claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, damage from flooding, a broken windshield and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram Pickup 3500.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills like rehabilitation expenses, dental work, EMT expenses, hospital visits and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, funeral expenses and medical expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Enter your zip code below to view companies that have cheap auto insurance rates.

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What is YOUR best insurance company?

We’ve covered many ideas to shop for 1994 Dodge Ram Pickup 3500 insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from a small local company. Smaller companies often have lower prices on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

As you quote car insurance, do not reduce needed coverages to save money. There have been many cases where drivers have reduced collision coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Even more information can be found in these articles: