2013 Dodge Ram Pickup 3500 Car Insurance Quotes in 2024 – 8 Discounts for Cheapest Rates

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Apr 3, 2024

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Shopping for the lowest cost insurance online may at first seem to be challenging for vehicle owners that are relatively new to comparing prices over the internet. With such a large number of online companies, how can vehicle owners efficiently compare every one to find the cheapest available price?

You need to do price comparisons at least once a year because prices tend to go up over time. Just because you found the lowest rate for Ram pickup coverage a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because I’m going to teach you the things you must know in order to reduce your cost while increasing coverage.

This information will teach you the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. But vehicle owners do need to understand the way companies price insurance differently because it can help you find the best coverage.

Lower-cost auto insurance quotes with discounts

Auto insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that could help you make your next renewal payment. A few discounts will be applied when you complete an application, but a few must be requested specifically before being credited.

  • Include Life Insurance and Save – Larger auto insurance companies have a discounted rate on car insurance if you buy life insurance from them.
  • Defensive Driver Discount – Participating in a class that teaches safe driver techniques could possibly earn you a 5% discount depending on where you live.
  • Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could save at least 10% off all policies.
  • College Student Discount – Youth drivers living away from home attending college without a vehicle on campus could qualify for this discount.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Early Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Telematics Devices – People who choose to allow driving data submission to track their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot could save a few bucks as long as the data is positive.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

A list of auto insurance companies and some of the discounts include:

  • Farm Bureau has savings for youthful driver, renewal discount, driver training, 55 and retired, and safe driver.
  • MetLife may include discounts for defensive driver, accident-free, good student, good driver, claim-free, and multi-policy.
  • Progressive offers discounts including homeowner, online signing, continuous coverage, good student, online quote discount, and multi-vehicle.
  • AAA policyholders can earn discounts including multi-policy, good student, good driver, multi-car, anti-theft, education and occupation, and AAA membership discount.
  • American Family includes discounts for good driver, air bags, good student, accident-free, multi-vehicle, and Steer into Savings.
  • GEICO may have discounts that include multi-vehicle, anti-theft, defensive driver, military active duty, and five-year accident-free.
  • State Farm has discounts for multiple autos, accident-free, multiple policy, Steer Clear safe driver discount, defensive driving training, and Drive Safe & Save.

It’s a good idea to ask every insurance company which credits you are entitled to. Some credits may not apply to policies in your area.

Tailor your insurance coverage to you

When buying the right insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • What happens if I owe more than my 2013 Dodge Ram Pickup 3500 is worth?
  • Can I afford low physical damage deductibles?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need added coverage for expensive stereo equipment?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does coverage extend to my business vehicle?
  • Do I need roadside assistance coverage?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Specific coverages for a 2013 Dodge Ram Pickup 3500

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, medical services, legal defense fees and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, chiropractic care, nursing services and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your Ram Pickup 3500 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, theft, fire damage, hail damage and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your 2013 Dodge Ram Pickup 3500.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Best coverage at the best price

Lower-priced car insurance is definitely available online and from local agencies, so you should compare both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and usually these smaller companies only sell coverage through independent agents.

When shopping online for car insurance, don’t be tempted to buy less coverage just to save a little money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

Drivers change insurance companies for a number of reasons such as poor customer service, being labeled a high risk driver, high prices or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

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