Finding the cheapest auto insurance for a Dodge Ram is pretty straightforward, but it relies on many rating factors such as age of the driver, where you live, and driving violations. Drivers in Florida pay approximately $2,116 per year for Ram insurance, but that price is an estimate using a 30-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.
But there is a high probability that you aren’t exactly 30 years old or even a female, maybe you are married instead of single, or maybe you just want liability only. Everyone has unique insurance needs, and this illustrates why the only real way to find cheap insurance rates for your Dodge is to compare as many rates as possible.
The trim level of your Dodge tends to have a direct impact on the annual cost of coverage, so the rate you pay to insure a Ram Quad Cab ST 2WD model will be $528 less expensive the insurance cost for the more well-appointed Ram Quad Cab Laramie 4WD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$398||$656||$636||$38||$190||$1,918||$160|
|Ram Quad Cab TRX4 Off Road 2WD||$450||$798||$636||$38||$190||$2,112||$176|
|Ram Quad Cab SLT 2WD||$450||$798||$636||$38||$190||$2,112||$176|
|Ram Crew Cab ST 2WD||$450||$798||$636||$38||$190||$2,112||$176|
|Ram Quad Cab ST 4WD||$450||$798||$636||$38||$190||$2,112||$176|
|Ram Crew Cab SLT 2WD||$450||$798||$636||$38||$190||$2,112||$176|
|Ram Crew Cab TRX 2WD||$450||$798||$636||$38||$190||$2,112||$176|
|Ram Quad Cab SLT 4WD||$450||$798||$636||$38||$190||$2,112||$176|
|Ram Crew Cab ST 4WD||$450||$798||$636||$38||$190||$2,112||$176|
|Ram Crew Cab Sport 2WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Quad Cab Sport 2WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Quad Cab TRX4 Off Road 4WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Crew Cab TRX 4WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Crew Cab SLT 4WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Quad Cab Laramie 2WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Crew Cab Laramie 2WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Crew Cab Sport 4WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Quad Cab Sport 4WD||$500||$940||$636||$38||$190||$2,304||$192|
|Ram Crew Cab Laramie 4WD||$500||$1082||$636||$38||$190||$2,446||$204|
|Ram Quad Cab Laramie 4WD||$500||$1082||$636||$38||$190||$2,446||$204|
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in garaging location in Jacksonville which can revise insurance rates considerably.
Trying to find cost effective auto insurance is not easy, and deciding which company offers the best car insurance rates for a Dodge Ram calls for even more perseverance. Every auto insurer uses their own formula for setting rates, so we need to take a look at the car insurance companies that tend to be cheaper in Jacksonville, FL.
It’s important that you understand Jacksonville, FL car insurance rates are determined by lots of factors that will increase or decrease your annual premium. Improving your credit score, increasing deductibles, or getting a couple of tickets can cause premium changes that can now make some companies higher-priced than before.
Lowest Insurance Price Quotes for Your Ram Truck
|Rank||Company||Cost Per Year|
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USAA quotes some of the most affordable car insurance rates in Jacksonville at around $977 annually. Amica, Electric, Progressive, and Travelers also rank well as some of the most economical Jacksonville, FL insurance companies.
In the above example, if you are a customer of Electric and switched to USAA, you could realize annual savings of in the neighborhood of $735. Florida drivers with Progressive may save as much as $798 a year, and Travelers insureds might see rate reductions of $892 a year.
To get a quick, customized rate comparison, click here to start a quote or click several companies below for low rates.
Understand that those premium estimates are averaged for all drivers and vehicles and and are not figured with a specific zip code for a Dodge Ram. So the car insurance company that fits your needs best may not even be in the top 21 companies in the list above. That illustrates why you need to get auto insurance quotes using your own specific driver information and vehicle.
The example below shows how choosing a deductible can increase or decrease insurance costs when searching for cheap insurance for a Dodge Ram. The data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied.
A 50-year-old driver could lower rates by $298 a year by switching from a $100 deductible up to a $500 deductible, or save $452 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could possibly save $740 annually just by using higher deductibles.
If you do raise deductibles, it will now be necessary to have spare funds to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Low rates can quickly become overpriced
Jacksonville, FL car insurance rates are influenced by many factors that will increase or decrease the price of coverage. Simply improving your credit, buying a different vehicle, or getting a reckless driving citation can produce rate changes that may make certain companies more affordable than others.
In addition to those changes, auto insurance companies modify pricing every year to adjust for gains or losses. An unexpected high level of claims can result in increased rates, while a better loss history can produce cheaper Ram insurance rates.
To illustrate this example, the data below shows a variety of companies that have the cheapest car insurance in Jacksonville, FL for a 30-year-old female driver with no prior accidents, a clean driving record, and good financial standing. Based on her current risk profile, USAA has the most affordable car insurance rates in Jacksonville at $1,140 annually. This is $1,308 less than the average price paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the remaining cheapest Jacksonville, FL auto insurance companies.
Now we will give the driver from above a chargeable accident, poor credit, and a traffic citation. Due to the fact that each insurance company has a unique formula to set premium rates, comparing insurance quotes may now result in a significantly different list of affordable companies as shown below.
USAA now has the lowest price in Jacksonville with Allied, Esurance, GEICO, and Auto-Owners now rounding out the top five. This example demonstrates why it is important to compare many different companies when trying to find the cheapest car insurance rates for a Dodge Ram. Prices are calculated by many risk factors and change frequently, so the best company two years ago may now be costing you a lot of money.
The insurance agents in Jacksonville listed below can help you make a decision which auto insurance policy fits you best, as some drivers wish to have professional advice when comparing insurance rates for a Ram pickup. It can be difficult to find coverage yourself, so agents can bring satisfaction knowing your policy gives you adequate asset protection.
To locate an agency near you, click the button after the list.
- Edie Williams – State Farm Insurance Agent
2325 Park St – Jacksonville, FL 32204 – (904) 425-4054
- Yuleen Broome – State Farm Insurance Agent
3120 Atlantic Blvd – Jacksonville, FL 32207 – (904) 398-0401
- Parvez Sahotra – State Farm Insurance Agent
3267 Hodges Blvd #14 – Jacksonville, FL 32224 – (904) 221-1161
- Bill Pool – State Farm Insurance Agent
7025 Normandy Blvd – Jacksonville, FL 32205 – (904) 781-3800
- Chris Nickas – State Farm Insurance Agent
9542 Argyle Forest Blvd #12 – Jacksonville, FL 32222 – (904) 854-4700
How to find the cheapest car insurance for a Dodge Ram
The list below summarizes many thrifty solutions that can help Florida drivers quote cheaper auto insurance.
- Staying accident-free helps keep rates low
- If your vehicles are older, consider dropping full coverage
- Improve your credit
- Insure your home and auto with the same company
- Buy vehicles with good safety ratings
- Compare rate quotes frequently
The final tip is incredibly necessary, as was affirmed in this piece. Auto insurance prices in Jacksonville can change in a short period of time, so don’t be tentative to change to a new company if you find a cheaper price.
Loyalty to a specific company is fine, but it isn’t a good idea if that devotion results in you overpaying thousands of dollars over the life of your policy. In just a few minutes you could compare rates and find cheaper auto insurance for a Dodge Ram.