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: Aug 3, 2018

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If you’re searching for more affordable insurance, do you get frustrated by the wide range of insurance providers available to you? drivers have so many choices that it can really be a burden to find the perfect company for you.

You should take the time to take a look at other company’s rates before your policy renews because insurance prices change regularly. If you had the lowest price for Ram pickup insurance six months ago a different company probably has better rate quotes today. Block out anything you think you know about insurance because you’re going to learn the proper way to find lower rates on insurance.

How to lower your insurance costs

Consumers need to have an understanding of some of the things that come into play when calculating your car insurance rates. If you have some idea of what controls the rates you pay, this enables informed choices that could help you find cheaper rates.

  • Low physical damage deductibles can be expensive – Physical damage protection, termed comprehensive and collision coverage on your policy, protects your Dodge from damage. Some instances where coverage would apply would be a dented fender, hail damage, and damage from a fallen tree branch. Your deductibles state the amount of money you are willing to pay if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for car insurance for Ram pickup insurance.
  • Gaps in coverage mean higher car insurance rates – Driving without insurance is not a good idea and companies may charge more for letting your insurance lapse for non-payment. And not only will your rates increase, being ticketed for driving with no insurance can result in a license revocation or jail time. You may need to file a SR-22 with your state DMV.
  • Job and insurance prices – Did you know your career choice can influence rates? Jobs such as military personnel, social workers and financial analysts usually pay higher rates than average attributed to high stress levels and extremely grueling work hours. On the other hand, jobs like professors, engineers and performers receive lower rates for Ram pickup insurance.
  • Discounts for married couples – Getting married may earn you lower rates on car insurance. Having a spouse is viewed as being more mature it has been statistically shown that being married results in fewer claims.
  • More policies can equal more savings – Most insurance companies apply discounts to clients who consolidate policies with them, otherwise known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even if you qualify for this discount already, you still need to compare other company rates to ensure the best deal.
  • Liability insurance risk factors in – A critical coverage on your policy, liability insurance kicks in in the event that you are ruled to be at fault for causing personal injury or damage in an accident. This coverage provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.

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Cheaper rates by taking advantage of discounts

Some insurers don’t necessarily list every policy discount very clearly, so we break down some of the more common as well as some of the hidden auto insurance savings.

  • Good Grades Discount – Getting good grades can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies permit an accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
  • Air Bags and Passive Restraints – Cars that have air bags may qualify for discounts of more than 20%.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
  • Driving Data Discount – People who choose to allow their auto insurance company to track driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as the data is positive.
  • Student in College – who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

To find insurers with the best auto insurance discounts, click here to view.

Advertising myths

Well-known auto insurance companies like Allstate, GEICO and Progressive endlessly run ads in print and on television. They all seem to try to convey promises that people will save if you switch to them. How does every auto insurance company say the same thing? It’s all in the numbers.

Insurance providers have specific criteria for the type of driver that will most likely be profitable. A good example of this type of driver may need to be between the ages of 30 and 50, carries full coverage, and has a high credit rating. Anyone who matches that profile receives the best car insurance rates and have a good chance to save some money.

Drivers who fall outside these standards may receive a more expensive rate which results in the prospect going elsewhere. The ad wording is “drivers who switch” but not “everyone who gets a quote” save that kind of money. That’s why companies can make those claims.

Because of these techniques, it’s extremely important to get price quotes at each policy renewal. It’s just not possible to know with any certainty which company will provide you with the cheapest rates.

How much auto insurance do I need?

When buying the best auto insurance coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions might point out whether you could use an agent’s help.

  • Am I missing any policy discounts?
  • How can I get high-risk coverage after a DUI?
  • Is business equipment covered while in my vehicle?
  • Should I have a commercial auto policy?
  • Is my babysitter covered when using my vehicle?
  • What if I owe more than I can insure my car for?
  • Do I have coverage when making deliveries for my home business?
  • Is my 2010 Dodge Ram Pickup 3500 covered for smoke damage?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

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Coverage specifics

Having a good grasp of auto insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, theft, vandalism, a broken windshield and hail damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as EMT expenses, chiropractic care, dental work, X-ray expenses and hospital visits. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability – Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, attorney fees, repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This coverage covers damage to your Ram Pickup 3500 resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Save your hard earned cash

More affordable auto insurance is definitely available from both online companies and from local agencies, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online quoting and most of the time these smaller companies only sell through independent agents.

As you quote insurance, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, someone sacrificed uninsured motorist or liability limits to discover at claim time that it was a big error on their part. The aim is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

We’ve covered many ways to compare 2010 Dodge Ram Pickup 3500 insurance rates online. The key concept to understand is the more providers you compare, the higher your chance of finding cheap insurance. Consumers may even find the best rates are with the least-expected company.

More detailed auto insurance information can be read in these articles: