Cheap Insurance Quotes for a Dodge Ram in Tennessee

Anytime the topic is car insurance, the word “cheap” really should not be used as a descriptor for car insurance rates. Sad but true, cheap auto insurance for a Dodge Ram may be a thing of the past. We’ll try to make it up to you, because we are going to tell you how you can quote coverage that doesn’t cost an arm and a leg.

The likelihood of finding cheap auto insurance for a Dodge Ram in Tennessee hinges on a very complex rating algorithm that uses multiple factors like if you own the home you live in, your claims history, and deductibles for comprehensive and collision coverage. Drivers in Tennessee will pay on average $1,060 per year to buy Dodge Ram insurance, but that cost is an estimate based on a 30-year-old married female that wants full coverage and $250 deductibles.

The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 30 years old or even a female, possibly single instead of married, or maybe you have a teenager that needs to be on your policy. Each driver has unique rating factors, so the best way to quote cheap auto insurance rates for your Dodge is to just take the time to compare rates yourself.

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Vehicle trim level will influence the insurance rate, so the rate you pay to insure a Ram Quad Cab ST 2WD trim level will be $254 less expensive the price to insure the higher-end Ram Quad Cab Laramie 4WD model, as shown in the chart below.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific zip code location which can influence coverage prices greatly.

Establishing which company offers the most affordable car insurance rates for a Dodge Ram will involve a tad more effort in order to find the lowest price quote.

Every insurance provider uses a slightly different approach for determining rates, so we’ll go over the car insurance companies with the overall best prices in Tennessee.

Best Insurance Companies for Your Ram Truck

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Utica National offers some of the most affordable car insurance rates in Tennessee at around $760 annually. Auto-Owners, Cincinnati Insurance, Penn National, and USAA would also make the list of some of the more affordable Tennessee insurance companies.

In the above rates, if you are currently insured with Cincinnati Insurance and switched to Utica National, you could realize a yearly savings of approxmiately $98. Drivers with Penn National might save as much as $148 a year, and USAA customers might see rate reductions of $159 a year.

To find out how your current rates compare, click here to start your free quote or quote prices from the following companies.

These premium estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Dodge Ram. So the company that has the lowest price for you may not even be included in the list of companies above. That illustrates why you need to get auto insurance quotes using your own specific driver information and vehicle.

How much more does full coverage cost?

Finding cheap insurance for a Dodge Ram in Tennessee should be important to the majority of people, and one of the quickest ways to save on the cost of insurance is to only buy liability coverage. The diagram below compares insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

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If averaged for all ages, physical damage coverage costs $1,564 per year over having just liability coverage. That is a big expense that brings up the question when is the right time to remove full coverage. There is no set guideline to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

How to find cheap insurance for a Dodge Ram in Tennessee

The list below shows some money-saving solutions that can help you quote the cheapest coverage.

• Full coverage may not be needed on older vehicles
• Improve your credit rating
• Multi-policy discounts save money
• Do not get into accidents that are your fault
• Vehicles with good safety ratings have lower liability rates
• Compare rates once a year for cheaper prices

The last tip is extraordinarily significant, as was noted in this article. Prices vary considerably, so drivers shouldn’t be resistant to switch to a new company if a better deal can be had.

Many drivers prefer to stick with one company, but it’s not a great idea if your bullheadedness ends up costing you hundreds every year. Take a couple minutes and compare rates and find cheaper car insurance for a Dodge Ram.