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: Oct 5, 2015

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Buyers have lots of choices when searching for the best price on Dodge Ram Pickup 3500 insurance. They can either waste time contacting agents to compare prices or save time using the internet to get rate quotes. There are more efficient ways to buy insurance coverage so we’re going to tell you the quickest way to get price quotes for a Dodge and locate the best price possible from both online companies and local agents.

If you have a current auto insurance policy or need a new policy, you can use this information to cut your premiums while maintaining coverages. This article will let you in on the best way to quote coverages. Consumers just need to understand the proper methods to compare company rates online.

Lower rates by qualifying for discounts

Insurance is neither fun to buy or cheap, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be specifically requested before you get the savings.

  • Full Payment Discount – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Accident Forgiveness – Not a discount per se, but companies like Progressive, Allstate, and GEICO permit an accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
  • Auto/Life Discount – Some insurance carriers give a break if you buy life insurance.
  • Discounts for New Vehicles – Putting coverage on a new car is cheaper since newer vehicles have better safety ratings.
  • Defensive Driver Discounts – Passing a class that teaches defensive driving techniques could save 5% or more if your company offers it.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, it’s just not the way it works.

To view providers that offer some of these discounts, follow this link.

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Components of your Dodge Ram Pickup 3500 insurance premiums

Lots of factors are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving history, but other criteria are not as apparent such as whether you are married or your financial responsibility.Part of the auto insurance buying process is learning the factors that play a part in calculating your policy premiums. If you have some idea of what determines base rates, this helps enable you to make changes that can earn you lower premium levels.

The items below are a few of the things used by companies to determine your prices.

  • Insurance is expensive for teen drivers – More mature drivers are viewed as being more responsible, cost insurance companies less in claims , and usually have better credit.Youthful drivers have been known to get distracted easily when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
  • Don’t cancel your auto insurance without a new one in place – Not maintaining insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, getting caught without coverage can result in a license revocation or jail time.
  • Rates for men may be higher – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Both sexes cause fender benders at a similar rate, but the men have accidents that have higher claims. Men also get higher numbers of serious violations such as reckless driving.
  • Companies want multiple policies – Lots of companies afford a discount to clients that have more than one policy. It’s known as a multi-policy discount. Even with this discount applied, drivers will still want to compare rates to ensure the best deal.
  • When should you not file a policy claims? – If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies generally give the lowest premiums to policyholders who do not file claims often. Your insurance policy is designed for the large, substantial claims.
  • High credit scores save money – An insured’s credit rating will be a significant factor in calculating your premium rate. People that have very good credit scores tend to file fewer claims than drivers with worse credit. So if your credit can use some improvement, you could be paying less to insure your 1995 Dodge Ram Pickup 3500 by taking the time to improve your credit score.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can help discover whether you would benefit from an agent’s advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my car insurance cover rental cars?
  • Where can I get insurance after a DUI in my state?
  • When should my teen driver be added to my policy?
  • How much liability do I need to cover my assets?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I get a multi-policy discount?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses such as X-ray expenses, EMT expenses and doctor visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Collision coverage protection

This coverage pays for damage to your Ram Pickup 3500 resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance

Liability coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as legal defense fees, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

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

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Online plus local equals savings

Some auto insurance companies may not have price quotes online and many times these regional carriers sell through independent insurance agencies. Budget-conscious 1995 Dodge Ram Pickup 3500 insurance can be sourced both online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped full coverage and discovered at claim time that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the best possible price while still protecting your assets.

Throughout this article, we presented many ideas to reduce 1995 Dodge Ram Pickup 3500 insurance rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from some of the smallest insurance companies.

Additional information can be found below: