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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Trying to find better auto insurance rates for your Dodge Ram Pickup 3500? Buying the lowest price auto insurance may seem to be challenging for people that are relatively new to comparing rates and buying auto insurance online. With dozens of insurance companies available, how can you have time to compare every possible option in order to find cheaper auto insurance rates?

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. Shopping for more affordable insurance coverage is easy if you know what you’re doing. Nevertheless, drivers must learn how big insurance companies sell online and take advantage of how the system works.

How to compare auto insurance quotes

There are several ways to compare quotes from different companies. The best way to find competitive 2001 Dodge Ram Pickup 3500 insurance rates consists of obtaining rate quotes online. This is quite simple and can be completed by using one of the methods below.

  1. The fastest and easiest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating separate quotes for every company. A single form will return quotes from auto insurance companies with the best prices. It’s definitely the quickest method.
  2. A harder way to get comparison quotes is to take the time to go to each company website and repeat the quote process. For instance, let’s assume you want to view quotes from USAA, 21st Century and State Farm. In order to get each rate, you would have to go to each individual site to enter your coverage information, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

  3. The hardest way to compare price quotes is actually driving to local insurance agencies. Quoting and buying insurance online has made agencies unnecessary unless you prefer the professional assistance of a licensed agent. It is possible with some companies obtain prices from the web and get advice from an agent in your area.

The approach you take is up to you, just ensure you’re using equivalent coverage limits with every price quote. If you compare different data it will be next to impossible to determine which rate is truly the best. Having just a slight variation in coverage limits can result in a big premium difference. Just remember that comparing a large number of companies helps improve the odds of finding a better price. Not every company allows you to get prices over the internet, so it’s important to compare rates on coverage from those companies, too.

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

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Is there truth in advertising?

Respected companies like State Farm, GEICO and Progressive regularly use television, radio, and online ads. They all make the same claim of big savings just by switching your insurance policy to them. How is it possible that every company can give you a lower rate? You have to listen carefully.

Insurance companies have underwriting criteria for the driver that earns them the highest profit. For example, a profitable insured might be over age 30, carries full coverage, and drives newer vehicles. Anybody that matches those criteria will get low premium rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who fall outside those standards will see a higher rate which translates to the customer not buying. The ad wording is “drivers that switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently claim big savings. This really emphasizes why drivers must get car insurance quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest rate quotes.

How insurance companies determine Dodge Ram Pickup 3500 insurance rates

Part of the insurance coverage buying process is learning some of the elements that play a part in calculating your insurance coverage rates. If you have some idea of what determines base rates, this helps enable you to make changes that could result in much lower annual insurance costs.

The items below are just a few of the factors insurance coverage companies consider when setting premiums.

  • lapses raise insurance coverage rates – Allowing your insurance coverage policy to lapse can be a sure-fire way to trigger a rate increase. In addition to paying higher premiums, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license.
  • Pay more out-of-pocket – Physical damage deductibles define the amount you are required to pay if a claim is determined to be covered. Physical damage insurance, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The larger the amount you have to pay, the less your company will charge you for insurance for Ram pickup coverage.
  • How much liability insurance – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for physical damage or personal injury to other. Your liability coverage provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so buy as much as you can afford.
  • Experienced drivers are lower risk – Inexperience drivers are proven to be easily distracted with other occupants in the car so insurance coverage rates are higher. Having to add a young driver to your policy can increase premiums substantially. More mature drivers have been proven to be more responsible, tend to file fewer claims and get fewer tickets.
  • Do males or females drive better? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. The data does not necessarily mean that men are WORSE drivers than women. Males and females cause at-fault accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also receive more costly citations like DWI (DUI) or reckless driving. Male teenagers generally have the highest accident percentage and thus pay the highest rates.
  • Your address can push rates up or down – Being located in less populated areas is a good thing when it comes to insurance coverage. Drivers in populated areas regularly have more traffic problems and much longer commute distances. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.

Insurance Coverage Discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not know about. Some discounts will apply at the time of quoting, but lesser-known reductions have to be specially asked for before you get the savings.

  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in high school.
  • Cautious Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Ram pickup coverage than drivers with accidents.
  • Safety Course Discount – Taking a course teaching driver safety skills could possibly earn you a 5% discount and also improve your driving technique.
  • Accident Free – Insureds who avoid accidents and claims get the best insurance coverage rates compared to drivers with a long claim history.
  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
  • Homeowners Pay Less – Just being a homeowner can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
  • Policy Bundle Discount – If you combine your auto and home policies and place coverage with the same company you could earn a discount of up to 20% off your total premium.
  • College Student – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car can receive lower rates.
  • Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease for Ram pickup coverage with select insurance companies.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. So even though you would think having all the discounts means you get insurance for free, you’re out of luck.

To view providers offering insurance coverage discounts, click this link.

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

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Tailor your car insurance coverage to you

When it comes to choosing coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Am I missing any policy discounts?
  • Is my nanny covered when driving my vehicle?
  • Is motorclub coverage worth it?
  • Should I sign the liability waiver when renting a car?
  • How high should my medical payments coverage be?
  • Am I covered if my car is in a flood?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance 101

Understanding the coverages of car insurance aids in choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2001 Dodge Ram Pickup 3500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability car insurance

This coverage provides protection from damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, medical services, attorney fees, funeral expenses and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This coverage pays for damage to your Ram Pickup 3500 caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as pain medications, hospital visits and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Stretch your dollar

We just showed you many ideas to reduce 2001 Dodge Ram Pickup 3500 insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers could even find that the most savings is with the smaller companies.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed collision coverage only to discover later they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Consumers switch companies for any number of reasons including high rates after DUI convictions, lack of trust in their agent, denial of a claim or delays in paying claims. Regardless of your reason for switching companies, switching auto insurance companies can be less work than you think.

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