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: Feb 27, 2018

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Are you drained from sacrificing other expenses to pay high insurance coverage rates every month? You have the same problem as millions of other people.

Because there are so many companies and agents to choose from, it can be challenging to pick the lowest cost insurance company.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you will most likely be able to save some money using these methods. But consumers must comprehend how big insurance companies sell insurance online.

Auto Insurance Discounts

Auto insurance is not inexpensive, but you might already qualify for some discounts that you may not even know about. Some of these disounts will be visible when you purchase, but occassionally some discounts must be asked for in order for you to get them.

  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
  • Defensive Driver Discount – Participating in a course in driver safety can save you 5% or more and easily pay for the cost of the class.
  • Low Mileage Discounts – Low mileage vehicles could qualify for cheaper rates.
  • Telematics Data – Insureds that choose to allow driving data collection to analyze driving manner by using a telematic data system like Allstate’s Drivewise could see a rate decrease if they are good drivers.
  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Military Rewards – Having a deployed family member may lower your prices slightly.
  • Government Employees – Active or former government employment may reduce rates when you quote car insurance for Ram pickup insurance with a few auto insurance companies.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Organization Discounts – Participating in qualifying employment or professional organizations could earn you a nice discount when shopping for auto insurance.
  • Accident Forgiveness – Not necessarily a discount, but some insurance companies will let one accident slide without the usual rate increase so long as you are claim-free before the accident.

Drivers should understand that some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A few of the larger companies and a selection of discounts can be read below.

  • GEICO may include discounts for military active duty, multi-vehicle, driver training, good student, multi-policy, and federal employee.
  • MetLife discounts include good student, good driver, claim-free, multi-policy, defensive driver, and accident-free.
  • State Farm policyholders can earn discounts including driver’s education, anti-theft, student away at school, defensive driving training, good driver, and Drive Safe & Save.
  • Progressive has savings for online signing, multi-policy, online quote discount, continuous coverage, multi-vehicle, and homeowner.
  • Mercury Insurance may have discounts that include low natural disaster claims, anti-theft, age of vehicle, accident-free, professional/association, location of vehicle, and ease of repair.
  • 21st Century offers discounts including early bird, teen driver, student driver, driver training, anti-lock brakes, and homeowners.
  • Allstate offers discounts for anti-theft, passive restraint, premier plus, multi-policy, economy car, and anti-lock brakes.

If you need the cheapest car insurance quotes, ask all the companies to apply every possible discount. Some discounts listed above may not be available everywhere. If you would like to view insurers that offer the discounts shown above, click here to view.

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

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The cheapest insurance coverage quotes

Many insurance companies allow consumers to get coverage price quotes on the web. The process doesn’t take a lot of time as you simply type in the coverages you want into the quote form. After you complete the form, the system gets credit information and your driving record and returns a price quote. Online price estimates makes it a lot easier to compare rates but the time it takes to visit many different websites and type in your information is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest possible prices on insurance coverage.

The easiest way to locate the lowest prices uses just one form to get prices from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the returned quotes. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and could lower your rates considerably.

To quickly compare pricing, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended you copy coverages and limits exactly as they are listed on your policy. Doing this assures you will be getting comparison quotes based on identical coverages.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • What if I total my 2002 Dodge Ram Pickup 3500 and owe more than it’s worth?
  • Do I need medical payments coverage since I have good health insurance?
  • Does coverage extend to my business vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Exactly who is provided coverage by my policy?
  • Is my trailer covered?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage options for a Dodge Ram Pickup 3500

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability auto insurance – This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as legal defense fees, funeral expenses, emergency aid and structural damage. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive protection – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, falling objects, hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as doctor visits, surgery, X-ray expenses, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

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

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More choices the merrier

We’ve covered a lot of techniques to reduce 2002 Dodge Ram Pickup 3500 insurance rates online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding low cost car insurance. Consumers could even find that the lowest priced auto insurance comes from a small local company. They may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate and Progressive.

Cheap 2002 Dodge Ram Pickup 3500 insurance is attainable both online and from local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide rate quotes online and most of the time these small, regional companies sell through local independent agents.

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