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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Feb 22, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you irritated from being strong-armed to keep your car insured? You are no different than many other vehicle owners. Vehicle owners have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it makes it harder to find the lowest rates.

It’s a great practice to get comparison quotes as often as possible since prices trend upward over time. Even if you got the lowest rates on Ram pickup insurance a couple years back a different company probably has better premium rates today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the best way to properly buy coverages and cut your premium.

Insurance policy discounts you can’t miss

Some providers do not advertise all possible discounts in an easy-to-find place, so we break down both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

  • Multi-Vehicle Discounts – Having several vehicles on the same insurance policy qualifies for this discount.
  • Save over 55 – Seniors can possibly qualify for lower premium rates on Ram pickup insurance.
  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
  • No Accidents – Drivers who don’t have accidents pay much less when compared to drivers with a long claim history.
  • Homeowners Discount – Being a homeowner can save you money since home ownership means you have a higher level of financial diligence.

Just know that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, you won’t be that lucky.

Larger insurance companies and a selection of discounts are:

  • State Farm includes discounts for multiple policy, multiple autos, student away at school, anti-theft, and passive restraint.
  • Esurance has savings for paid-in-full, emergency road assistance, anti-theft, multi-car, and Pac-12 alumni.
  • Progressive may offer discounts for homeowner, multi-vehicle, multi-policy, online signing, continuous coverage, good student, and online quote discount.
  • Liberty Mutual offers discounts including new vehicle discount, good student, multi-policy, teen driver discount, multi-car, newly retired, and exclusive group savings.
  • Auto-Owners Insurance may include discounts for anti-theft, mature driver, anti-lock brakes, good student, air bags, and student away at school.
  • GEICO offers discounts for anti-lock brakes, multi-policy, membership and employees, federal employee, and daytime running lights.

If you need lower rates, check with every company to apply every possible discount. All car insurance discounts might not be offered on policies in your area. If you would like to choose from a list of insurance companies who offer discounts, click here to view.

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

secured lock Secured with SHA-256 Encryption

Insurance agents can help

When it comes to choosing the best auto insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Do I have newly-aquired coverage?
  • When should I drop full coverage on my 1997 Dodge Ram Pickup 3500?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are my friends covered when driving my car?
  • Is my ex-spouse still covered by my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance in the media

Drivers can’t avoid all the ads for cheaper insurance from the likes of Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you get a free insurance coverage quote and switch your insurance coverage to their company.

How does each company sell you cheaper insurance coverage?

All the different companies have specific guidelines for a prospective insured that earns them the most money. For example, a profitable insured could possibly be over the age of 50, owns their home, and has a short commute. A propective insured that meets those criteria will get low rates and therefore will pay quite a bit less when switching companies.

Potential customers who do not match those standards will get a more expensive rate and the customer not buying. The ad wording is “people who switch” but not “everyone who gets a quote” save that much. That’s the way companies can make those claims. Because of these techniques, drivers must compare free insurance coverage quotes often. It is impossible to predict which insurance company will have the lowest rates.

Insurance policy coverages for a Dodge Ram Pickup 3500

Learning about specific coverages of insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, hitting a deer and fire damage. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This pays for damage to your Ram Pickup 3500 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, driving through your garage door, colliding with another moving vehicle, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Auto liability

This coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, attorney fees and structural damage. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like dental work, nursing services, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

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

secured lock Secured with SHA-256 Encryption

More quotes mean more savings

We just showed you many tips how you can shop for 1997 Dodge Ram Pickup 3500 insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost insurance coverage. You may be surprised to find that the biggest savings come from an unexpected company. They can often provide lower car insurance rates in certain areas as compared to the big name companies such as GEICO and State Farm.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced collision coverage and discovered at claim time they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the best cost.

Additional learning opportunities