2020 Dodge Ram Pickup 3500 Car Insurance Rates in 2024 – 5 Discounts for Cheaper Quotes

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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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Searching for cheaper insurance rates for your Dodge Ram Pickup 3500? If you are a novice to online insurance shopping, you may be baffled by the confusing number of online companies offering insurance.

Smart consumers take time to price shop coverage at least once a year because insurance prices are constantly changing. Just because you found the best rates on Ram pickup insurance two years ago the chances are good that you can find a lower rate quote today. You’ll find quite a bit of inaccurate information about insurance on the internet, but in just a couple of minutes you can learn the easiest ways to put money back in your pocket.

Compare car insurance rate quotes online

There are multiple methods to compare car insurance quotes, but some are less time-consuming than others. You could waste time driving to insurance companies in your area, or you can utilize the internet to get the quickest rates.

Most major companies participate in a marketplace that enables customers to submit one quote, and each participating company can provide price quotes determined by their information. This system prevents you from having to do quotation requests to each company.

To fill out one form to compare multiple rates now enter your zip code here.

One minor caveat to getting quotes like this is you cannot specify the insurers you will receive quotes from. If you prefer to choose specific insurance companies for rate comparison, we put together a list of car insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but be certain you are entering exactly the same coverage information for every company. If each company quotes higher or lower deductibles it will be impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages may result in a large different in cost. Just keep in mind that having more price comparisons helps increase your odds of locating the best price. Some regional insurers cannot provide quotes online, so it’s necessary to compare quotes from those companies as well.

Lower rates by qualifying for these five discounts

Some companies don’t always advertise every policy discount in an easy-to-find place, so the following is a list of some of the more common as well as the least known ways to save on insurance coverage.

  • Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
  • Own a Home and Save – Owning a house can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
  • ABS Brakes – Vehicles with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Multiple Vehicles – Drivers who insure primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • Clubs and Organizations – Joining specific professional or occupational memberships or organizations could earn you a nice discount on insurance coverage.

Remember that most discounts do not apply to the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Companies that may offer these benefits include:

  • State Farm
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

If you need lower rates, check with all the companies how you can save money. Some discounts might not be offered in your state. To see companies that can offer you the previously mentioned discounts, enter your zip code here.

Insurance coverage is unique, just like you

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions may help highlight if your situation could use an agent’s help.

  • When can I cancel my policy?
  • Does my 2020 Dodge Ram Pickup 3500 qualify for pleasure use?
  • Is my trailer covered?
  • What if I owe more than I can insure my car for?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when driving a rental car?
  • I have health insurance so do I need medical payments coverage?
  • Do I have newly-acquired coverage?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete your zip code.

Parts of your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages – This coverage will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like bail bonds, medical services, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram Pickup 3500.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, ambulance fees, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your Ram Pickup 3500 from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

More choices the merrier

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, poor customer service, high rates after DUI convictions or even extreme rates for teen drivers. No matter why you want to switch, switching car insurance companies is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced liability coverage limits to discover at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at the best possible price while still protecting your assets.

Throughout this article, we presented quite a bit of information on how to save on 2020 Dodge Ram Pickup 3500 insurance. The key thing to remember is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

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