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: May 23, 2018

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Finding better insurance prices for a new or used Dodge Ram Pickup 3500 could be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to shop for insurance and we’ll show you the absolute fastest way to get price quotes for a Dodge and locate the cheapest rates.

Car Insurance Discounts

Some companies don’t always advertise all their discounts very clearly, so we researched a few of the more well known in addition to some of the lesser obvious credits available to you.

  • Discount for New Cars – Buying a new car instead of a used car can save up to 30% due to better safety requirements for newer vehicles.
  • Renewal Discounts – Some companies give discounts for signing up before your current policy expires. You may see this discount when you get insurance coverage quotes online.
  • Low Mileage Discounts – Keeping the miles down on your Dodge could be rewarded with cheaper premium rates.
  • Waiver for an Accident – This isn’t a discount exactly, but some companies like Libery Mutual, GEICO and Allstate will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Own a Home – Owning your own home or condo may trigger a policy discount on car insurance because owning a home is proof of financial responsibility.
  • Defensive Driver Discounts – Participating in a course teaching defensive driving skills could earn you a small percentage discount depending on where you live.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.

Please keep in mind that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

If you would like to view car insurance companies that can offer you the previously mentioned discounts, click this link.

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

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Smart buyers save money

Part of the auto insurance buying process is learning a few of the rating criteria that come into play when calculating the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this helps enable you to make changes that can help you get lower premium levels. Lots of things are used when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are less apparent like your vehicle usage or how financially stable you are.

  • Lower stress equals lower auto insurance rates – Occupations like real estate brokers, architects and emergency personnel generally pay higher average rates due to job stress and lots of time spent at work. On the flip side, jobs such as actors, engineers and retirees have lower than average premiums on Ram pickup insurance.
  • How do annual miles impact prices? – The more miles you rack up on your Dodge every year the higher your rates will be. Almost all companies charge rates based on their usage. Cars and trucks used primarily for pleasure use can be on a lower rate level than those used for commuting. Improper usage on your Ram Pickup 3500 may be wasting your money. It’s always a good idea to double check that your policy reflects how each vehicle is driven, because it can save money.
  • Mature drivers pay less – More mature drivers have been proven to be more responsible, statistically cause fewer accidents and get fewer tickets.Beginning drivers have a tendency to be inattentive and easily distracted when behind the wheel so they pay higher auto insurance rates.
  • Eliminate extra coverages – Insurance policies have a lot of extra coverages that may not really be needed if you aren’t diligent. Coverage for things like rental car reimbursement, death and dismemberment, and Farm Bureau memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Gender and insurance coverage – Over time, data shows women tend to be less risk to insure than men. However, this does not mean males are worse at driving than females. Males and females cause at-fault accidents at about the same rate, but males tend to have higher claims. They also get higher numbers of serious violations like driving under the influence (DUI). Male teenagers tend to get in the most accidents so it costs more to insure them.
  • Consolidate policies with the same company – Most larger insurers afford discounts to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to comparison shop to guarantee you are still saving the most. You may still be able to save more without the discount by buying from different companies
  • Your liability coverage limits – Your auto insurance policy’s liability coverage will provide protection if ever a jury decides you are liable for damages caused by your negligence. It provides legal defense which can be incredibly expensive. Liability is cheap compared to other policy coverages, so do not skimp.
  • Cautious drivers pay less – Even a single citation may cause rates to rise to the point where it’s not affordable. Good drivers have lower premiums than their less careful counterparts. Drivers who have multiple violations such as DUI, reckless driving or excessive speeding might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • Are rock chip repairs covered?
  • Am I covered when pulling a rental trailer?
  • Is my babysitter covered when using my vehicle?
  • What can I do if my company won’t pay a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why am I required to buy high-risk coverage?
  • How high should deductibles be on a 2004 Dodge Ram Pickup 3500?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Insurance specifics

Understanding the coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for collisions

Collision coverage pays for damage to your Ram Pickup 3500 caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2004 Dodge Ram Pickup 3500.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: 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 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like medical services, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, a broken windshield, rock chips in glass and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like doctor visits, rehabilitation expenses, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance plan 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. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

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Final considerations

Consumers switch companies for a variety of reasons including high rates after DUI convictions, policy cancellation, questionable increases in premium and delays in responding to claim requests. It doesn’t matter what your reason, finding a new insurance coverage company is not as difficult as it may seem.

Throughout this article, we presented quite a bit of information on how to reduce 2004 Dodge Ram Pickup 3500 insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates are with a company that doesn’t do a lot of advertising.

Low-cost 2004 Dodge Ram Pickup 3500 insurance is available online and from local agencies, so you need to quote insurance coverage with both to have the best rate selection. A few companies may not have online quoting and usually these small, regional companies sell through independent agents.

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