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: Sep 9, 2018

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Expensive Dodge Ram Pickup 3500 insurance can deplete your family’s budget and force you to prioritize other expenses.

There are many car insurance companies to pick from, and although it’s a good thing to have a selection, more choices can make it harder to compare company pricing.

Low cost auto insurance price quotes online

Comparing auto insurance rates can be challenging if you don’t understand the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get the quickest rates.

Most major companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company provides a quote. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is buyers cannot specifically choose which companies to get pricing from. So if you prefer to pick individual companies to compare prices, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you use apples-to-apples coverages on every quote you get. If each company quotes different data you can’t possibly determine the lowest rate for your Dodge Ram Pickup 3500. Having just a slight variation in coverages could skew the results. And when comparing auto insurance rates, know that comparing more quotes helps improve the odds of finding a better price. Not every company does price estimates online, so it’s necessary to compare price quotes from them, too.

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

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Discounts to earn cheap insurance coverage rates

Some companies don’t necessarily list all their discounts very well, so the below list has a few of the more common as well as some of the hidden discounts that may be available. If you check and find you aren’t receiving every discount possible, you could be saving more on your insurance coverage.

  • Discount for Life Insurance – Companies who offer life insurance give a lower price if you buy auto and life insurance together.
  • Accident Free – Insureds with no claims or accidents pay much less when compared to drivers who are more careless.
  • Early Renewal Discounts – A few companies give discounts for switching to them early. It can save you around 10%.
  • Organization Discounts – Having an affiliation with a professional or civic organization can get you a small discount on your policy.
  • Use Seat Belts – Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.

A quick disclaimer, most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Even though it may seem like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But any discount will help lower the premium cost.

A list of insurance coverage companies and a summarized list of policyholder discounts are outlined below.

  • The Hartford offers discounts for defensive driver, bundle, air bag, driver training, good student, vehicle fuel type, and anti-theft.
  • American Family has discounts for Steer into Savings, mySafetyValet, defensive driver, good driver, accident-free, and TimeAway discount.
  • Progressive includes discounts for homeowner, good student, online quote discount, continuous coverage, multi-policy, multi-vehicle, and online signing.
  • Travelers may offer discounts for driver training, student away at school, IntelliDrive, good student, payment discounts, multi-car, and new car.
  • Farmers Insurance may include discounts for switch companies, youthful driver, multi-car, homeowner, business and professional, good student, and teen driver.
  • USAA offers premium reductions for new vehicle, loyalty savings, driver training, good student, multi-policy, and military installation.
  • Liberty Mutual offers discounts including safety features, multi-policy, newly married, new graduate, good student, preferred payment discount, and hybrid vehicle.

Double check with each company or agent which discounts can lower your rates. A few discounts may not be available in your area.

Tailor your insurance coverage to you

When buying proper insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might point out whether or not you will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Is business property covered if stolen from my car?
  • How does medical payments coverage work?
  • Does my 2009 Dodge Ram Pickup 3500 need full coverage?
  • Exactly who is provided coverage by my policy?
  • Am I covered if my car is in a flood?
  • Do I need higher collision deductibles?
  • Why do I need rental car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Specific coverage details

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Collision – This coverage will pay to fix damage to your Ram Pickup 3500 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Pickup 3500.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, loss of income, medical services, attorney fees and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like prosthetic devices, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, hitting a deer and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

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

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Do the work, save more money

When getting car insurance quotes online, never buy less coverage just to save a little money. Too many times, someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

Cheaper insurance coverage can be found both online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. Some insurance coverage companies don’t offer rates over the internet and usually these smaller companies provide coverage only through independent agents.

More detailed insurance coverage information is available in these articles: