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 15, 2017

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Trying to find the cheapest insurance rates for your Dodge Ram Pickup 3500? Cutting costs on insurance could be a challenge for drivers not familiar with online price comparisons. People have so many agents and companies to choose from that it can easily turn into a burden to find more affordable prices.

It’s smart to quote other rates occasionally because insurance prices are usually higher with each renewal. If you had the best price on Ram pickup insurance on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate the things you must know in order to find better coverage at a better price.

How to get free insurance quotes online

There are multiple methods to compare insurance quotes, but one way is more efficient than others. You could spend your day driving to insurance companies in your area, or you could use online quoting to get the quickest rates.

Many of the larger companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each company returns a competitive quote based on that data. This system prevents you from having to do quotation requests for each company.

To find out what other companies charge click to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. So if you want to choose from a list of companies to compare rates, we have a page of companies who write insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use exactly the same coverages and limits on every quote. If the quotes have different data you will not be able to make an equal comparison. Having just a slight variation in insurance coverages can make a big difference in price. And when price shopping your coverage, having more price comparisons increases your odds of finding more affordable insurance. Not every company allows you to get online price quotes, so it’s necessary 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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Do you qualify for these six discounts?

Companies offering auto insurance do not advertise the entire discount list very well, so here is a list a few of the more well known and also the more inconspicuous credits that may apply to you.

  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.
  • Renewal Discounts – Select larger companies give a discount for renewing your policy before your current expiration date. Ten percent is about the average savings.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks on the same insurance coverage policy can get a discount for every vehicle.
  • Multiple Policy Discount – When you have multiple policies and place coverage with the same company you could save approximately 10% to 15%.
  • Defensive Driver Discounts – Passing a course teaching defensive driver skills is a good idea and can lower rates and easily pay for the cost of the class.

Remember that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

A list of insurance coverage companies and some of the premium reductions they offer are:

  • Farmers Insurance offers premium reductions for business and professional, alternative fuel, pay in full, early shopping, youthful driver, good student, and distant student.
  • State Farm has discounts for Drive Safe & Save, good driver, student away at school, multiple autos, multiple policy, and driver’s education.
  • Liberty Mutual offers discounts for new move discount, new vehicle discount, good student, exclusive group savings, hybrid vehicle, new graduate, and teen driver discount.
  • MetLife has savings for multi-policy, accident-free, good driver, claim-free, and defensive driver.
  • Progressive may offer discounts for online quote discount, online signing, homeowner, multi-vehicle, and multi-policy.

It’s a good idea to ask each insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply everywhere.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover whether your personal situation might need professional guidance.

  • How much can I save by bundling my policies?
  • When should I drop full coverage on my 2006 Dodge Ram Pickup 3500?
  • Is rental equipment covered for theft or damage?
  • When would I need rental car insurance?
  • Do I need motorclub coverage?
  • What are the best liability limits?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will my rates increase for filing one claim?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

But the ad said I’d save 15% in 15 minutes!

Car insurance companies such as 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. They all advertise claims that you can save if you just switch to them. How is it possible that every company can charge you a lower premium? Here is how they do it.

Many companies have strict underwriting profiles for the type of driver that will be a good risk. For instance, a desirable risk might be described as between the ages of 40 and 55, owns their home, and drives a safe vehicle. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don’t qualify for the “perfect” profile will probably be forced to pay a higher rate which results in the customer not purchasing. The trick is to say “customers who switch” not “all people who quote” will save that much if they switch. This is how companies can truthfully state the savings.

This illustrates why you should compare price quotes frequently. Because without a comparison, you cannot know which car insurance company will provide you with the cheapest rates.

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

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Car insurance policy coverages for a 2006 Dodge Ram Pickup 3500

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, emergency aid and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills such as dental work, EMT expenses and pain medications. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

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

Comprehensive insurance covers claims such as hitting a bird, fire damage, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

What is YOUR best insurance company?

Consumers leave their current company for any number of reasons including poor customer service, unfair underwriting practices, policy non-renewal and delays in paying claims. No matter why you want to switch, switching insurance coverage companies can be less work than you think.

We covered some good ideas how to lower your 2006 Dodge Ram Pickup 3500 insurance rates. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding cheap insurance coverage. Drivers may discover the lowest rates are with a small local company.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. In many instances, someone dropped liability limits or collision coverage and learned later that it was a big mistake. Your goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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