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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Want cheaper car insurance rates for your Dodge Ram Pickup 3500? I really doubt anyone likes paying for car insurance, particularly when the cost is way too high. Popular companies such as Allstate, Progressive and GEICO all promote huge savings with ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

It is always a good idea to do rate comparisons occasionally because rates change quite often. Even if you think you had the lowest premium rates on Ram pickup insurance a year ago you can probably find a better price now. You can find a lot of misleading information regarding car insurance on the web, but we’re going to give you some of the best techniques to stop overpaying for insurance.

Insurance coverage policy discounts you can’t miss

Insurance coverage is neither fun to buy or cheap, but there’s a good chance there are discounts to cut the cost considerably. Certain reductions will be credited at quote time, but some discounts are required to be specifically requested prior to receiving the credit. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Data Collection Discounts – People who choose to allow driving data submission to track driving habits by installing a telematics device like Allstate’s Drivewise could see a rate decrease if they have good driving habits.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • E-sign – A few larger online companies may give you up to $50 just for signing your application on their website.
  • 55 and Retired – If you qualify as a senior citizen, you can get a small decrease in premiums on Ram pickup insurance.
  • Accident Waiver – This one is not really a discount per se, but a handful of insurance companies may permit one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
  • Include Life Insurance and Save – Select companies reward you with a lower price if you buy some life insurance in addition to your auto policy.
  • Home Ownership Discount – Owning a home may earn you a small savings because owning a home requires a higher level of personal finance.
  • Low Mileage Discounts – Maintaining low annual mileage could be rewarded with cheaper prices.
  • Buy New and Save – Buying insurance on a new vehicle can cost up to 25% less because new vehicles keep occupants safer.

You can save money using discounts, but most discount credits are not given to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A list of companies and a summarized list of policyholder discounts are:

  • Progressive includes discounts for homeowner, multi-vehicle, multi-policy, online signing, continuous coverage, good student, and online quote discount.
  • MetLife has discounts for good student, good driver, accident-free, multi-policy, and defensive driver.
  • Mercury Insurance may offer discounts for good driver, type of vehicle, age of vehicle, multi-car, ease of repair, low natural disaster claims, and accident-free.
  • Nationwide may include discounts for good student, anti-theft, family plan, defensive driving, and accident-free.
  • GEICO offers premium reductions for driver training, daytime running lights, anti-theft, membership and employees, multi-policy, and multi-vehicle.
  • AAA offers discounts for multi-policy, good driver, multi-car, pay-in-full, and AAA membership discount.

Check with every company which discounts can lower your rates. Some discounts might not be offered in your area. If you would like to view insurance companies who offer cheap insurance coverage quotes, click this link.

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

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The Dodge Ram Pickup 3500 insurance price equation

Lots of factors are part of the equation when you get a price on insurance. Some of the criteria are obvious like your driving record, but some are not as apparent like your vehicle usage or how safe your car is.An important part of buying insurance is that you know some of the things that are used to determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower premium levels.

The items below are a few of the things insurance companies consider when setting your rates.

  • High credit equals lower costs – Having a bad credit history can be an important factor in determining what you pay for insurance. Therefore, if your credit score is lower than you’d like, you could save money insuring your 2000 Dodge Ram Pickup 3500 by spending a little time repairing your credit. Drivers who have excellent credit tend to be more responsible and file fewer claims than drivers with poor credit.
  • Drive fewer miles and save – The more you drive annually the more you will pay for insurance. The majority of insurers apply a rate based upon how the vehicle is primarily used. Vehicles that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance declarations sheet correctly shows the proper vehicle usage, because it can save money. Improper usage on your Ram Pickup 3500 is just wasting money.
  • Pay more by driving carelessly – Having a clean driving record can have a huge impact on auto insurance premiums. Drivers with clean records get better prices than bad drivers. Getting just one moving violation could increase your next policy renewal to the point where it’s not affordable. Drivers who have multiple citations such as DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state’s licensing department in order to keep their license.
  • Get married and pay lower premiums – Having a significant other actually saves money on your insurance policy. It generally demonstrates drivers are more mature than a single person and statistics prove drivers who are married are more cautious.
  • Car and home together may be cheaper – Some insurers will give better rates to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you already get this discount, drivers will still want to comparison shop to make sure you are getting the best deal. You may still be able to find lower rates by buying from different companies
  • Prevent theft and save money – Selecting a car model that has an advanced theft prevention system can save you some money. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft and help lower rates.

Insurance agents can help

When it comes to buying the best insurance coverage coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that could help you determine if you may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Which companies will insure high-risk drivers?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if I hit a deer?
  • Should I get collision insurance on every vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should deductibles be on a 2000 Dodge Ram Pickup 3500?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions, you might consider talking to 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. It is quick, free and may give you better protection.

Auto insurance coverages

Having a good grasp of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like rehabilitation expenses, doctor visits, chiropractic care, dental work and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

This coverage covers damage to your Ram Pickup 3500 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, sideswiping another vehicle, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, damage from a tornado or hurricane and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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

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Pennies from heaven

Lower-priced 2000 Dodge Ram Pickup 3500 insurance can be sourced both online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not offer the ability to get quotes online and most of the time these regional carriers prefer to sell through independent agents.

When getting insurance coverage quotes online, never buy less coverage just to save a little money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best cost, but do not skimp to save money.

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