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 22, 2018

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Want better auto insurance rates for your Dodge Ram Pickup 3500? Trying to come up with a payment for pricey auto insurance can drain your budget and possibly require postponing other expenditures. Comparing rates annually is an excellent way to reduce premiums and put more money in your pocket.

Many insurers vie for your insurance dollar, and it can be difficult to compare rates to find the lowest rate possible.

You should take the time to price shop coverage on a regular basis because rates change frequently. If you had the best premium rates on Ram pickup coverage six months ago other companies may now be cheaper. There is a lot of bad information regarding auto insurance online but you can learn some guaranteed methods to quit paying high auto insurance rates.

First Step: Get free insurance coverage quotes

There are a variety of methods to compare insurance coverage prices and some are more efficient than others. You could waste a few hours talking about coverages with local insurance agents in your area, or you can stay home and use the web to maximize your effort.

Many insurance companies belong to an insurance system that allows shoppers to submit their information once, and each participating company returns a rated price. This system prevents you from having to do quote forms to each individual insurance coverage company.

To compare rates using this form now click to open in new window.

The one disadvantage to comparing rates this way is you can’t choose the companies to get pricing from. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but try to keep apples-to-apples quote information with every price quote. If you compare different liability limits it’s not possible to find the best deal for your Dodge Ram Pickup 3500. Just a small difference in limits can mean a large discrepancy in price. And when quoting insurance coverage, remember that comparing all the rates in your area helps locate more affordable rates. Some companies don’t provide online rate quotes, so it’s important to also get price estimates on coverage from those companies, too.

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

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Switch companies and save? Really?

Big name companies like Progressive, GEICO, Allstate and State Farm seem to constantly run television, radio, and online ads. All the ads try to convey promises of big savings if you get a free insurance quote and switch your policy. How can each company offer you a better deal? This is how they do it.

Insurance companies give the best rates for the type of driver that will be a good risk. For example, this type of driver may be a mature driver, has had continuous coverage, and insures a new vehicle. Anybody who meets those qualifications will get very good auto insurance rates and most likely will save a lot of money.

Potential insureds who don’t measure up to these criteria may be forced to pay higher premiums and the customer not purchasing. If you pay attention, the ads say “customers who switch” not “all people who quote” save the amount stated. That is how insurance companies can confidently advertise the savings.

Each company has different criteria, so you really should compare as many free insurance quotes as you can. You cannot predict which company will give you the biggest savings.

Discounts for cheap car insurance rates

Car insurance is not inexpensive, but you may be missing some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but a few need to be manually applied before you get the savings.

  • Senior Discount – Older drivers can get a discount up to 10% on Ram pickup coverage.
  • Resident Student – Children who are enrolled in higher education away from home and do not have a car could get you a discount.
  • Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
  • Good Driver Discounts – Insureds who avoid accidents may save up to 50% more on Ram pickup coverage compared to accident prone drivers.
  • Defensive Driver – Completing a course in defensive driver could cut 5% off your bill if you qualify.

Drivers should understand that most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Some of the larger companies who might offer these discounts possibly include:

When comparing rates, check with all companies you are considering how you can save money. Savings might not be offered in your area.

You may need specialized insurance coverage coverage

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions might help in determining whether or not you might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • Should I buy additional glass protection?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need added coverage for expensive stereo equipment?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage if my license is suspended?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

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

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Car insurance coverage basics

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by car insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for EMT expenses, nursing services, funeral costs, hospital visits and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, court costs, repair costs for stationary objects and loss of income. How much coverage you buy is your choice, but you should buy as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram Pickup 3500.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, hitting a bird and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, backing into a parked car, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

More quotes mean more savings

We just covered a lot of tips how to reduce 1996 Dodge Ram Pickup 3500 insurance prices online. The key thing to remember is the more you quote insurance, the better likelihood of getting inexpensive insurance. Drivers may discover the lowest priced insurance comes from a small mutual company. They may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Cheap 1996 Dodge Ram Pickup 3500 insurance is available from both online companies and also from your neighborhood agents, so get free insurance quotes from both of them to have the best rate selection. Some companies do not provide online price quotes and many times these smaller providers only sell coverage through independent insurance agents.

More detailed insurance information is located by following these links: