The best way to get the cheapest Dodge Ram insurance in Jacksonville is to do a yearly price comparison from insurance carriers who provide auto insurance in Florida. Drivers can shop around by following these steps.
Step 1: Try to learn about individual coverages and the factors you can control to prevent rate increases. Many things that cause rate increases like traffic violations, accidents, and an imperfect credit history can be rectified by making small lifestyle or driving habit changes.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote prices from multiple sources. Select a company
Step 3: Compare the new quotes to your existing rates to see if cheaper Ram coverage is available in Jacksonville. If you find better rates and make a switch, ensure there is no coverage lapse between policies.
Step 4: Tell your current agent or company to cancel your existing policy. Submit payment and a signed application for the new policy. As soon as you have the new policy, put the new proof of insurance paperwork in a readily accessible location in your vehicle.
An important part of this process is to try to compare the same amount of coverage on every price quote and and to get quotes from as many car insurance companies as possible. Doing this guarantees a level playing field and maximum price selection.
Everyone knows that insurance companies want to keep you from comparing prices. Drivers who compare rates annually are likely to switch auto insurance companies because the odds are good of finding discount prices. A study showed that drivers who compared rates regularly saved about $3,450 over four years compared to those who never shopped around for better prices.
If finding budget-friendly rates on Dodge Ram insurance is why you’re reading this, then knowing how to get free comparison quotes and analyze insurance coverage can help you succeed in saving money.
If you are insured now or are shopping for new coverage, you can follow these tips to reduce premiums while maximizing coverage. Finding and comparing affordable policy in Jacksonville is not as time-consuming as you think. You just need to know the fastest way to shop over the internet.
Companies offering Dodge Ram insurance in Jacksonville
The auto insurance companies shown below are ready to provide free quotes in Jacksonville, FL. If more than one company is shown, we suggest you visit as many as you can in order to get a fair rate comparison.
Insurance coverage analysis
The data table displayed below outlines detailed analysis of coverage costs for Dodge Ram models. Being able to understand how premiums are formulated is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $308 | $522 | $494 | $30 | $148 | $1,502 | $125 |
| Ram Quad Cab TRX4 Off Road 2WD | $348 | $636 | $494 | $30 | $148 | $1,656 | $138 |
| Ram Quad Cab SLT 2WD | $348 | $636 | $494 | $30 | $148 | $1,656 | $138 |
| Ram Crew Cab ST 2WD | $348 | $636 | $494 | $30 | $148 | $1,656 | $138 |
| Ram Quad Cab ST 4WD | $348 | $636 | $494 | $30 | $148 | $1,656 | $138 |
| Ram Crew Cab SLT 2WD | $348 | $636 | $494 | $30 | $148 | $1,656 | $138 |
| Ram Crew Cab TRX 2WD | $348 | $636 | $494 | $30 | $148 | $1,656 | $138 |
| Ram Quad Cab SLT 4WD | $348 | $636 | $494 | $30 | $148 | $1,656 | $138 |
| Ram Crew Cab ST 4WD | $348 | $636 | $494 | $30 | $148 | $1,656 | $138 |
| Ram Crew Cab Sport 2WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Quad Cab Sport 2WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Quad Cab TRX4 Off Road 4WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Crew Cab TRX 4WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Crew Cab SLT 4WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Quad Cab Laramie 2WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Crew Cab Laramie 2WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Crew Cab Sport 4WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Quad Cab Sport 4WD | $388 | $748 | $494 | $30 | $148 | $1,808 | $151 |
| Ram Crew Cab Laramie 4WD | $388 | $862 | $494 | $30 | $148 | $1,922 | $160 |
| Ram Quad Cab Laramie 4WD | $388 | $862 | $494 | $30 | $148 | $1,922 | $160 |
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific zip code location which can modify rates noticeably.
Violations and accidents raise rates
The diagram below demonstrates how traffic citations and accidents increase Dodge Ram insurance prices for different age categories. The costs are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Insurance premiums for males and females
The illustration below visualizes the comparison of Dodge Ram yearly insurance costs for male and female drivers. The prices are based on no accidents or driving violations, full coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The illustration below compares Dodge Ram car insurance rates with and without full coverage. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.
When to drop comprehensive and collision
There is no definitive formula for phasing out full coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Dodge Ram replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after the policy deductible has been paid. If it’s costing you more than $300 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Don’t neglect these discounts on Dodge Ram insurance in Jacksonville
Some insurance providers don’t necessarily list the entire discount list very clearly, so here is a list both the well known in addition to some of the lesser obvious credits that may apply to you. If you’re not getting every credit available, you could be getting lower rates.
- Driver Training Discounts – Successfully completing a defensive driver class could possibly earn you a 5% discount and easily recoup the cost of the course.
- Jacksonville Homeowners Pay Less – Owning your own home or condo can get you a discount because maintaining a house shows financial diligence.
- Discounts for Multiple Vehicles – Drivers who insure more than one vehicle on one policy qualifies for this discount.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings as much as 30%.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off the personal injury premium cost.
While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
The example below shows the difference between Dodge Ram car insurance rates with and without discounts applied to the policy rates. The data is based on a female driver, no accidents or driving violations, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, safe-driver, and multi-car discounts applied.
A list of companies and a summarized list of policyholder discounts are outlined below.
- Farm Bureau policyholders can earn discounts including multi-vehicle, driver training, multi-policy, safe driver, youthful driver, and good student.
- Liberty Mutual offers discounts for exclusive group savings, multi-policy, good student, new move discount, and newly married.
- State Farm offers premium reductions for good student, driver’s education, multiple policy, student away at school, good driver, passive restraint, and anti-theft.
- Auto-Owners Insurance includes discounts for good student, paperless, multiple vehicles, safe vehicle, anti-theft, and company car.
- GEICO has discounts for membership and employees, driver training, federal employee, seat belt use, and daytime running lights.
- SAFECO has savings for teen safe driver, accident prevention training, bundle discounts, teen safety rewards, anti-lock brakes, anti-theft, and safe driver.
Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in Jacksonville.
How to Lower Your Insurance Rates
Lots of things are taken into consideration when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are not quite as obvious like your continuous coverage or your financial responsibility.
The itemized list below are most of the major factors used by companies to determine rates.
Reduce auto insurance rates by driving safer cars – Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries means less claims paid and thus lower rates. If your Dodge Ram is rated at a minimum four stars on Safercar.gov it may cost less to insure.
Lower rates for married couples – Having a significant other helps lower the price on auto insurance. Having a significant other is viewed as being more mature and it’s proven that drivers who are married are more cautious.
Better auto insurance rates for no policy lapses – Going without insurance will be a sure-fire way to pay more for auto insurance. Not only will you pay higher rates, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with the Florida DMV.
Older drivers save more – More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and are safer drivers. Inexperience drivers have a tendency to be inattentive and easily distracted when driving so auto insurance rates are higher.
The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Tailor your car insurance coverage to you
When it comes to the best car insurance coverage, there really isn’t a “best” method to buy coverage. Your financial needs are unique and your car insurance should be unique as well.
These are some specific questions may help you determine if your situation would benefit from an agent’s advice.
- Can I still get insurance after a DUI?
- Can I rate high risk drivers on liability-only vehicles?
- Does coverage extend to Mexico or Canada?
- How high should deductibles be on a Dodge Ram?
- Does my policy cover my teen driver if they drive my company car?
- Is my dog or cat covered if injured in an accident?
- Can my babysitter drive my car?
- Can I get a multi-policy discount for packaging my home and auto coverage?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Compare rates but buy from a local Jacksonville insurance agent
A lot of people still like to buy from a licensed agent and we recommend doing that Licensed agents will help you protect your assets and will help you if you have claims. One of the benefits of getting online price quotes is that drivers can save money and get lower rates and still buy from a local agent. Buying from and supporting local agents is definitely important in Jacksonville.
Upon completion of this short form, your insurance coverage information is sent to participating agents in Jacksonville who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents since rate quotes are delivered immediately to your email address. If you want to compare prices from a particular provider, just search and find their rate quote page and complete a quote there.
Shown below is a list of auto insurance companies in Jacksonville who can help you get rate quotes for Dodge Ram insurance in Jacksonville.
- Denny Doyle – State Farm Insurance Agent
7807 Baymeadows Rd E #100 – Jacksonville, FL 32256 – (904) 737-3777 – View Map - Cam Anderson – State Farm Insurance Agent
4555 San Juan Ave – Jacksonville, FL 32210 – (904) 381-1206 – View Map - Brightway Insurance
8206 Philips Hwy – Jacksonville, FL 32256 – (904) 527-3029 – View Map - Allstate Insurance: James R. Stamper
3450 Dunn Ave Ste 104 – Jacksonville, FL 32218 – (904) 765-2919 – View Map
Finding a good insurance company shouldn’t rely on just the bottom line cost. Any agent in Jacksonville should be willing to answer these questions.
- How will an accident affect your rates?
- Are claim adjusters local or do you have to take your car somewhere else?
- Can you contact them at any time?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they get extra compensation for selling add-on coverages?
Compare rates regularly to save
We covered some good ideas how to lower your Dodge Ram insurance prices in Jacksonville. It’s most important to understand that the more price quotes you have, the higher your chance of finding affordable Jacksonville auto insurance quotes. Drivers may even discover the lowest priced car insurance comes from the smaller companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
Cheap Dodge Ram insurance in Jacksonville is attainable online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not provide rate quotes online and usually these regional insurance providers provide coverage only through independent agents.
When searching for low cost Jacksonville auto insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.
Other resources
- Information for Teen Drivers (GEICO)
- Who Has Affordable Car Insurance Quotes for Handicapped Drivers in Jacksonville? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with a DUI in Jacksonville? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)
- Side Impact Crash Tests (iihs.org)