How Much Does Insurance Cost for a Dodge Ram in Delaware?

Finding cheap car insurance for a Dodge Ram in Delaware hinges on a lot of rating factors like the safety features of your vehicle, if you have ever let your coverage lapse, and your choice of physical damage deductibles. Delaware drivers pay an average of $1,130 every 12 months to insure a Ram, but that amount is an estimation that rates a 40-year-old married male that purchased full coverage and $1,000 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you may not be 40 years old (or even male), you might be single instead of married, or maybe your Delaware zip code is rated cheaper than the example. There is no perfect policy for every driver, so your best chance at finding the most affordable coverage for your Dodge is to do the rate comparisons yourself. Do a quick rate comparison now and you will get price quotes from top-rated companies that offer coverage in Delaware.

View Dodge Ram Insurance Rates

Your Dodge’s trim level will likely have an effect on the insurance rate, so the price you will pay to insure a Ram Quad Cab ST 2WD will cost $208 less than the cost to insure the higher-end Ram Quad Cab Laramie 4WD model, as shown in the prices below.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific Delaware garaging location which can revise price quotes noticeably.

Selecting a high-quality auto insurance provider is hard considering how many companies there are to choose from in Delaware. The rank data shown next could help you choose which insurers to look at when comparing rates. The rankings below only include companies that insure vehicles across America, so companies without a large exposure are not included in these rankings.

Top 10 Major Auto Insurers in Delaware Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Major Auto Insurers in Delaware Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Dodge Ram Insurance in Delaware

How to get discounts on Delaware insurance rates

Insurers that provide cheap insurance for a Dodge Ram in Delaware may have discounts that could lower prices by 40% or more if you can meet the requirements. A few popular companies and a summarized list of policyholder discounts include:

• GEICO discounts include five-year accident-free, federal employee, defensive driver, driver training, multi-policy, multi-vehicle, and anti-theft.
• USAA may have discounts that include multi-vehicle, good student, driver training, family discount, multi-policy, military installation, and vehicle storage.
• Progressive may include discounts for good student, continuous coverage, multi-vehicle, online quote discount, and homeowner.
• American Family offers discounts including defensive driver, air bags, good driver, bundled insurance, and multi-vehicle.
• Esurance has discounts for multi-policy, online shopper, safety device, anti-theft, renters, and emergency road assistance.
• Farmers Insurance may offer discounts for homeowner, good student, youthful driver, alternative fuel, and pay in full.
• State Farm has savings for good student, multiple policy, anti-theft, passive restraint, defensive driving training, multiple autos, and Drive Safe & Save.

The information below compares insurance prices with and without discounts applied. The rate quotes are based on a female driver, a clean driving record, no claims, Delaware state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, multiple policy, anti-theft, vehicle safety, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for a Dodge Ram is 28% or $619.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3309,2375],[‘Age 30’, 2237,1617],[‘Age 40’, 2091,1511],[‘Age 50’, 1829,1321],[‘Age 60’, 1767,1277],[‘Age 70’, 2085,1501]]);var options = {title: ‘Insurance Rate Comparison for a Dodge Ram’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in Delaware’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Why you should shop around for Ram insurance

Delaware auto insurance rates are calculated based on many things that may substantially change the policy premium. Simply having another birthday, buying a different home, or having an accident may generate price changes that may make certain companies cheaper than others. Additionally, companies modify pricing as often as every quarter in order to remain profitable. Higher than normal claims can cause price increases, while lower claim levels can cause lower-priced Ram insurance rates.

For instance, the chart below analyzes the cheapest car insurance in Delaware for a 40-year-old female driver with no accidents, a clean driving record, and a decent credit rating. If we compare prices based on her current risk factors, USAA may have the best car insurance rates in Delaware at $874 annually. This is $1,131 less than the average premium paid by Delaware drivers of $2,005. Travelers, Atlantic States, Nationwide, and California Casualty are also included in the best Delaware auto insurance companies.

google.charts.setOnLoadCallback(drawDEWitcqcibChart);function drawDEWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 874, ‘#53860C’],[‘Travelers’, 1084, ‘#456F0A’],[‘Atlantic States’, 1292, ‘#395C08’],[‘Nationwide’, 1292, ‘#2F4C06’],[‘California Casualty’, 1345, ‘#273F05’]]);var options = {title: ‘Best Cheap Car Insurance for a Dodge Ram’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1445,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The chart below compares rates after we give the driver from the above example some claims, a lower credit score, and a stop sign violation. Since every car insurance company has their own guidelines to set premium rates, analyzing rate quotes may now present a new list of the cheapest Delaware car insurance companies as shown below.

google.charts.setOnLoadCallback(drawDEWcqcibChart);function drawDEWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 1653.3, ‘#C76400’],[‘Donegal Mutual’, 1664.3, ‘#A55300’],[‘National Grange Mutual’, 1668.7, ‘#894500’],[‘Travelers’, 1734.4, ‘#723900’],[‘MetLife’, 1843.6, ‘#5F2F00’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1943.6,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

GEICO now has the lowest price on auto insurance in Delaware with Donegal Mutual, National Grange Mutual, Travelers, and MetLife now rounding out the top five. This example proves why Delaware drivers need to compare as many rates as possible when trying to find affordable insurance rates for a Dodge Ram. Auto insurance prices are made up of many things and can increase or decrease at any time, so the lowest-price company when you last compared rates may now not even be in the top five.

How to find the cheapest car insurance for a Dodge Ram

Here are a few money-saving suggestions that can help you quote cheap coverage.

• Drive safe vehicles
• Increase your physical damage deductibles
• Full coverage may not be needed on older vehicles
• Drivers with good credit often pay less
• Accident-free drivers may qualify for discounts
• Maintain a clean driving record
• Keep rates low by comparing prices once a year

That last idea is particularly significant, as we noted in the prior article. Prices charged by auto insurers go up and down frequently, so drivers shouldn’t be reluctant to switch to a new company if you can save money.

We understand brand loyalty, but we do not recommend it if your bullheadedness ends up costing you hundreds every year. Spend a few minutes and compare rates and find cheaper car insurance for a Dodge Ram.