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 30, 2018

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Trying to find better insurance rates for your Dodge Ram Pickup 3500? Getting discount insurance over the internet may at first seem to be difficult for vehicle owners who are beginners to quoting and comparing prices over the internet. With so many insurance agents and companies in the marketplace, how can anyone be able to compare all the different companies and get the cheapest rates?

It’s smart to get comparison quotes every six months since insurance prices are constantly changing. If you had the best rate for Ram pickup insurance a few years ago the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance because you’re about to learn the quickest way to save money, get proper coverage and the best rates.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. The purpose of this post is to teach you the most effective way to quote insurance and some money-saving tips. Although car owners benefit from understanding how companies compete online and take advantage of how the system works.

You can change your insurance prices

Lots of things are considered when pricing auto insurance. A few of the factors are predictable like your driving record, although others are not as apparent like your continuous coverage or your vehicle rating.

  • Raising physical damage deductibles lowers costs – Physical damage coverage, aka comp and collision, is used to repair damage to your vehicle. Some examples of claims that would be covered could be a dented fender, collision with an animal, or theft. Comp and collision deductibles tell how much you are required to spend out-of-pocket before a claim is paid by your company. The more you pay before a claim is paid (deductible), the better rate you will receive for Ram pickup insurance.
  • See if your company offers a multi-policy discount – Most larger insurers will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other company rates to verify if the discount is saving money. You may still be able to save even more than the discount even if you have your coverage with different companies
  • Cheaper rates after marriage – Having a wife or husband may cut your premiums when buying auto insurance. Having a spouse usually means you are more stable financially it has been statistically shown that being married results in fewer claims.
  • Your credit score is important – An insured’s credit rating will be a significant factor in determining what you pay. People that have high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 1998 Dodge Ram Pickup 3500 by repairing your credit.
  • Rural areas have lower rates – Being located in less populated areas may provide you with better prices when trying to find low car insurance rates. People who live in big cities regularly have more traffic problems and more severe claims. Lower population corresponds to lower accident rates as well as less vandalism and auto theft.
  • Low stress occupation equals lower premiums – Occupations such as military generalsair traffic controllers and miners tend to have higher premiums than the average policyholder because of intense work requirements and incredibly demanding work hours. On the flip side, occupations such as actors, historians and retirees pay lower than average rates for Ram pickup insurance.
  • Don’t get traffic citations – Your driving record impacts your car insurance rates tremendously. Even a single driving citation may cause rates to rise by as much as twenty percent. Drivers with clean records pay lower auto insurance prices than people who have multiple driving citations. Drivers with serious violations such as hit and run, DWI or reckless driving convictions may find that they have to to complete a SR-22 with their state in order to drive a vehicle legally.

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Discount auto insurance rates

Auto insurance companies don’t always publicize all their discounts very well, so the following is a list of some of the more common and the harder-to-find discounts that you can inquire about if you buy insurance online.

  • Defensive Driver Discount – Completing a course teaching defensive driver skills may get you a small discount depending on where you live.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and will qualify for a discount on a insurance quote.
  • Telematics Data Discounts – Drivers who elect to allow their company to analyze driving manner by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
  • Paper-free Discount – Some insurance companies will give a small break for buying a policy and signing up digitally online.
  • Homeowners Pay Less – Being a homeowner can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
  • First Accident Forgiveness – This one isn’t a discount, but companies like Allstate and GEICO will forgive one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
  • Payment Method – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
  • Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your policy.

A quick disclaimer, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. So even though you would think it’s possible to get free car insurance, it’s just not the way it works.

To find insurance companies who offer discounts, click here to view.

Tailor your car insurance coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help highlight if your situation might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • If my pet gets injured in an accident are they covered?
  • Is my 1998 Dodge Ram Pickup 3500 covered for smoke damage?
  • Are my friends covered when driving my car?
  • Can I afford low physical damage deductibles?
  • Do I need replacement cost coverage on my 1998 Dodge Ram Pickup 3500?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Insurance coverages 101

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability coverages – Liability insurance protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like chiropractic care, nursing services, doctor visits, rehabilitation expenses and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This pays for damage to your Ram Pickup 3500 from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

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Be a smart shopper

Lower-priced 1998 Dodge Ram Pickup 3500 insurance is available both online as well as from insurance agents, so you need to quote insurance with both to get a complete price analysis. Some insurance companies may not offer online price quotes and usually these regional insurance providers work with independent insurance agencies.

We just showed you many ideas to compare 1998 Dodge Ram Pickup 3500 insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting affordable insurance. You may even discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice collision coverage and learned later that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

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