A pneumatic tire includes a body having a plurality of main body cords. The tire includes an upper section above the maximum section width and a lower section below the maximum section width. The modulus of the body cords is configured to be larger in the lower section than in the upper section. This modulus ratio decreases the rolling resistance of the tire. The increased modulus in the lower section is achieved by providing a body cord insert wrapped around the bead core and bead filler. The ends of the body cord insert are disposed against each other so that the entire bead filler is surrounded. The body cord insert extends substantially over the entire lower section of the tire.