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: Nov 3, 2018

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Looking for lower car insurance rates for your Dodge Ram Pickup 3500? Are you intimidated by the crazy number of car insurance providers available to you? Many other drivers are as well. people have such a large number of options that it is a chore to find a more affordable company.

Buying car insurance is not rocket science. If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Nevertheless, vehicle owners must learn how companies sell online.

Affordable auto insurance price quotes

There are a variety of methods you can shop for auto insurance but one way is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you can utilize online quoting to achieve your goal.

All the larger companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company can give them a price based on the submitted data. This prevents consumers from doing quotation requests to each individual auto insurance company.

To enter your information into the quoting system, click here (opens in new window).

The one downside to doing it this way is you can’t choose which insurance companies you want to price. So if you want to select individual companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

The approach you take is up to you, just make sure you compare apples-to-apples quote data for each comparison quote. If your comparisons have different liability limits it will be impossible to truly determine the lowest rate. Slightly different coverages can result in a big premium difference. And when comparison shopping, quoting more helps improve the odds of finding more affordable rates. Some smaller insurers to not give rate quotes online, so it’s recommended that you also compare rates from the smaller companies as well.

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

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Pay discount rates these discounts

Some insurance providers don’t always publicize every discount they offer in a way that’s easy to find, so we researched both well-publicized as well as the least known discounts that may be available.

  • Federal Government Employee – Being employed by or retired from a federal job could qualify for a slight premium decrease for Ram pickup insurance with certain companies.
  • Club Memberships – Being a member of a civic or occupational organization may earn a discount on your policy.
  • Defensive Driver Discount – Successfully completing a defensive driver class could cut 5% off your bill and easily recoup the cost of the course.
  • Bundled Policy Discount – If you can bundle your homeowners and auto insurance with the same company you will save approximately 10% to 15%.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • College Student Discount – living away from home attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 25 to 30%.

Don’t be shocked that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A partial list of companies who may offer some of the above discounts are:

If you are trying to find inexpensive car insurance quotes, ask each company or agent which discounts you may be entitled to. A few discounts may not apply in your area. To see a list of insurers with discount rates, click this link.

Special considerations

When it comes to choosing the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if you will benefit from professional help.

  • How do I insure my teen driver?
  • Is rental equipment covered for theft or damage?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if my car is in a flood?
  • Am I covered when pulling a rental trailer?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

What insurance coverages do you need?

Understanding the coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, fire damage, damage from flooding, theft and hitting a bird. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Ram Pickup 3500.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others, and does not provide coverage for 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. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like funeral expenses, repair costs for stationary objects, medical expenses and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like hospital visits, ambulance fees, chiropractic care and dental work. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage will pay to fix damage to your Ram Pickup 3500 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.