Lower Your 1994 Dodge Ram Pickup 3500 Car Insurance Rates

Feel like you’re a prisoner to an overpriced insurance policy? Trust us when we tell you you’re not alone.

Popular companies such as GEICO, 21st Century and Progressive continually hit you with ad campaigns and it is challenging if not impossible to see past the corporate glitz and find the best price available.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Buying car insurance is not that difficult. But drivers can benefit by having an understanding of the methods companies use to determine prices.

Don’t miss these discounts

Companies don’t list all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.

  • Passive Restraints – Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Driver Safety – Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Government Employees – Active or retired federal employment can save as much as 8% on Ram pickup coverage with select insurance companies.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Ram pickup coverage than drivers with accident claims.
  • Club Memberships – Being a member of certain professional organizations may earn a discount when buying car insurance on Ram pickup coverage.
  • No Accidents – Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on Ram pickup coverage.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous.

A partial list of companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts may not apply in your state.

Impacting insurance rates for a Dodge Ram Pickup 3500

It’s important that you understand some of the elements that come into play when calculating the price you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to lower car insurance prices.

  • Adjust deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Dodge from damage. A few examples of covered claims could be collision with another vehicle, damage caused by hail, and burglary. Your deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more money you have to pay, the bigger discount you will receive on Ram pickup coverage.
  • Rates may be lower depending on your job – Jobs such as doctors, social workers and financial analysts tend to pay higher average rates due to stressful work requirements and long work hours. Conversely, occupations like scientists, engineers and the unemployed have the lowest average rates on Ram pickup coverage.
  • Never go without insurance – Driving without insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Rate your vehicle for proper use – The more you drive every year the higher your rates will be. The majority of insurers rate vehicles based upon how you use the vehicle. Cars not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Ram Pickup 3500 may be costing you. Ask your agent if your car insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Older drivers pay less – Teenage drivers are known to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations.

When might I need help?

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you would benefit from professional advice.

  • How can I force my company to pay a claim?
  • What is an SR-22 filing?
  • I have a DUI can I still get coverage?
  • Does insurance cover damages from a DUI accident?
  • When should I remove comp and collision on my 1994 Dodge Ram Pickup 3500?
  • Am I covered when using my vehicle for business?
  • Do I need motorclub coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage options for a Dodge Ram Pickup 3500

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by auto insurance companies.


This will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, bail bonds and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage protection

Collision coverage pays for damage to your Ram Pickup 3500 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, a broken windshield, rock chips in glass, falling objects and fire damage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, dental work, pain medications, funeral costs and hospital visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Ram Pickup 3500.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Quote more. Save more.

Cost effective 1994 Dodge Ram Pickup 3500 insurance is possible both online in addition to many insurance agents, so compare prices from both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Throughout this article, we presented many ideas to shop for insurance online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. You may even discover the lowest priced car insurance comes from a lesser-known regional company. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

More information is available at the links below