2018 Dodge Ram Pickup 3500 Insurance Quotes in 2024 – 9 Tips for Best Rates

I can’t think of anyone who likes paying for car insurance, especially when they know they could find better prices if they shop around. Numerous insurers battle for your business, so it can be very hard to choose a insurance company and get the definite best price available.

You should make it a habit to get comparison quotes every six months because insurance prices are variable and change quite frequently. Just because you had the best deal for Ram pickup coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because I’m going to teach you the only way to remove unneeded coverages and save money.

If you have a current insurance coverage policy or are shopping for new coverage, you can use these tips to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Consumers only need to know the tricks to compare prices online.

Auto insurance policy discounts you can’t miss

Car insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the following list contains both the well known and also the lesser-known discounts that may be available.

• First Accident Forgiveness – Not a discount per se, but a few companies such as Allstate and State Farm will let one accident slide before hitting you with a surcharge so long as you are claim-free for a certain period of time.
• Life Insurance Discount – Larger insurance carriers have a small discount if you purchase some life insurance in addition to your auto policy.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% off the medical payments premium.
• Professional Organizations – Joining a professional or civic organization may earn a discount on your next renewal.
• Student Driver Training – Have your child enroll in driver’s education as it can save substantially.
• Good Grades Discount – This discount could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
• Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
• Federal Employees – Simply working for the federal government may qualify for a discount when you quote insurance coverage for Ram pickup coverage depending on your company.
• Bundled Policy Discount – If you can bundle your auto and homeowners insurance and insure them with the same company you could get a discount of up to 20% and get you affordable insurance coverage.

Keep in mind that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Some of the insurance companies that may include these money-saving discounts include:

• GEICO
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

When getting a coverage quote, ask every company which discounts you may be entitled to. Some credits may not be offered in your area. To find insurance companies that offer some of these discounts, enter your zip code here.

Insurance agents can help

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

• When should I drop full coverage on my 2018 Dodge Ram Pickup 3500?
• Where can I find high-risk insurance?
• Do I need replacement cost coverage on my 2018 Dodge Ram Pickup 3500?
• When can my company non-renew my policy?
• How can I force my company to pay a claim?
• Do I have newly-acquired coverage?
• Should I drop comprehensive coverage on older vehicles?
• How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out your zip code. It’s fast, free and can help protect your family.

Misconceptions in car insurance advertisements

Consumers can’t get away from all the ads for cheaper car insurance by Allstate and Progressive. They all seem to state the claim about savings just by moving your car insurance policy to them.

It sounds good, but how can they all make almost identical claims? Just pay attention to how they say it.

All companies provide the lowest rates for a prospective insured that will be a good risk. An example of a profitable insured may need to be over age 30, has no tickets, and has a high credit rating. Any customer who fits those characteristics will get the preferred premium rates and is almost guaranteed to save when they switch companies.

Drivers who do not meet these stringent criteria will have to pay higher premiums which usually ends up with business going elsewhere. If you pay attention, the ads say “drivers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can state the savings.

Because of this risk profiling, you should compare price quotes frequently. It is impossible to guess which car insurance company will have better rates than you’re paying now.

Information about specific coverages

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, fire damage and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Coverage for liability

Liability insurance will cover damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, repair costs for stationary objects, medical expenses, emergency aid and funeral expenses. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, damaging your car on a curb, colliding with a tree, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Summing up your insurance search

Lower-priced insurance can be purchased on the web and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer price quotes online and most of the time these regional insurance providers sell through local independent agents.

We’ve covered a lot of techniques to lower your 2018 Dodge Ram Pickup 3500 insurance rates. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the most savings is with the smaller companies. They may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.