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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I can’t think of anyone who likes having to buy car insurance, especially when they are paying too much. Companies like GEICO, Progressive and Allstate persitently shower you with fancy advertisements and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

It’s a good idea to shop coverage around quite often because car insurance prices go up and down regularly. Despite the fact that you may have had the best rates for Ram pickup coverage last year you can probably find a better rate quote now. There is too much inaccurate information about car insurance on the web, but in just a couple of minutes you can learn some tested techniques to slash your car insurance rates.

If you have a policy now or are shopping for new coverage, you can use these tips to find the best rates and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers just need to learn the most efficient way to buy auto insurance on the web.

Take advantage of with these six discounts

Car insurance companies don’t list all disounts very clearly, so we researched both the well known and also the more inconspicuous ways to save on auto insurance.

  • Paperless Signup – A few larger online companies will give a small break simply for signing online.
  • Telematics Discount – Insureds who allow driving data submission to scrutinize where and when they drive remotely such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
  • Payment Method – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Student in College – who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
  • Save with More Vehicles Insured – Buying insurance for multiple cars on a single policy can get a discount on all vehicles.
  • No Accidents – Good drivers with no accidents have much lower rates when compared with drivers with a long claim history.

It’s important to note that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Large auto insurance companies and a selection of discounts are included below.

  • GEICO offers premium reductions for multi-policy, five-year accident-free, emergency military deployment, air bags, and anti-theft.
  • MetLife has savings for claim-free, good driver, defensive driver, accident-free, and multi-policy.
  • State Farm discounts include Drive Safe & Save, Steer Clear safe driver discount, good driver, defensive driving training, good student, accident-free, and anti-theft.
  • Progressive may offer discounts for online signing, multi-vehicle, good student, continuous coverage, and online quote discount.
  • Mercury Insurance may include discounts for multi-car, location of vehicle, professional/association, multi-policy, and ease of repair.
  • 21st Century has discounts for homeowners, teen driver, early bird, air bags, and good student.
  • Allstate includes discounts for FullPay discount, defensive driver, senior citizen, multi-policy, 55 and retired, farm vehicle, and resident student.

Before buying, ask each company the best way to save money. Discounts may not be offered everywhere. To see companies 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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Save $468 a year? Really?

Drivers can’t get away from ads that claim the cheapest auto insurance rates by companies like Allstate, GEICO and Progressive. They all seem to try to convey promises about saving some big amount if you change your policy.

How does every car insurance company give you a better price? This is the trick they use.

Many companies look for specific characteristics for the type of insured that will be a good risk. An example of this type of insured might have to be a married male, owns a home, and has a high credit rating. Any driver who matches that profile will probably get the lowest auto insurance rates and will probably cut their rates if they switch.

Potential customers who may not quite match those standards will have to pay higher rates which usually ends up with the customer buying from someone else. The ads say “customers that switch” not “everyone who quotes” save that much when switching. This is how companies can claim big savings. Because of these techniques, you really should get a wide range of price quotes. It is impossible to guess which company will have the best prices at this point in time.

Your situation helps dictate your coverage

When buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Am I covered if my car is in a flood?
  • Do all my vehicles need collision coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the ISO rating for a 2008 Dodge Ram Pickup 3500?
  • How many claims can I have before being cancelled?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverage options for a 2008 Dodge Ram Pickup 3500

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, scraping a guard rail, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills such as chiropractic care, nursing services and funeral costs. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance – Liability coverage provides protection from damage that occurs to a person or their property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, structural damage, legal defense fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage (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 insurance covers claims such as damage from flooding, theft, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. 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 not worth carrying full coverage.

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

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At the end of the day…

Some companies do not provide the ability to get a quote online and these regional carriers provide coverage only through local independent agents. Budget-conscious 2008 Dodge Ram Pickup 3500 insurance can be bought on the web and with local insurance agents, and you should be comparing both to have the best selection.

We just presented quite a bit of information on how to get a better price on 2008 Dodge Ram Pickup 3500 insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest rates are with the least-expected company. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like Allstate or State Farm.

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 sacrificed uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Additional insurance information can be found on the following sites: