How Much is Insurance for a Dodge Ram in Vermont?

Our content editors always give us grief that when writing about auto insurance, the word cheap really shouldn’t be used anywhere to describe car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Dodge Ram does not exist. Don’t let that get you down, though, because we are going to show you some ways you can find and buy coverage that is considered budget-friendly.

Your chances of buying cheap coverage for a Dodge Ram in Vermont hinges on an enormous amount of rating factors such as your financial responsibility, whether or not you have had gaps between policies, and driving violations and tickets. Drivers in Vermont will pay on average $890 every 12 months to buy insurance for a Dodge Ram, but that policy rate is an approximation using rating data for a 40-year-old single male who needs full coverage and $500 physical damage deductibles.

More likely than not, you are not a 40-year-old male, married instead of single, or possibly you just want cheap liability coverage. Even a minor difference in rating variables or coverage information can make a large difference in the cost of insurance.

Insurance is an individual thing, so the most reliable way to find cheap insurance rates for your Dodge is to get into the habit of comparing rates once a year. To start saving now, get free quotes and you will receive rate quotes from some of the cheapest companies that insure vehicles in Vermont.

Insure Your Dodge for Less

Your vehicle’s trim level has an effect on the yearly cost, so the rate you will pay to insure a Ram Quad Cab ST 2WD trim level will be $192 less expensive the price to insure the more well-appointed Ram Quad Cab Laramie 4WD model, as demonstrated by the prices below.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle garaging location which can revise auto insurance rates substantially.

Insurance companies ranked

Ending up with the best car insurance company is difficult considering how many different companies insure vehicles in Vermont. The rank data below can help you select which car insurance companies to look at buying from.

The ratings below are only comprised of the largest companies in the United States, so companies that focus mainly on Vermont business are not factored into this list. To compare rates from the insurers below and more, click here.

Safe drivers pay cheaper rates

The easiest method to get affordable insurance prices for a Ram pickup is to drive safe and avoid tickets and accidents. The illustration below highlights how traffic violations and accidents raise insurance prices for different categories of driver ages. The premiums assume a married male driver, full coverage, $250 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2559,2777,3389],[‘Age 30’, 1349,1567,2177],[‘Age 40’, 1297,1515,2127],[‘Age 50’, 1187,1405,2017],[‘Age 60’, 1165,1383,1993],[‘Age 70’, 1337,1555,2165]]);var options = {title: ‘Impact of Tickets and Claims on Vermont Dodge Ram Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in Vermont’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of auto insurance in Vermont per year with no accidents and a clean driving record is $1,482. Get written up for one speeding ticket and the average cost jumps to $1,700, an increase of $218 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for a Dodge Ram increases to an average of $2,311. That’s an increase of $829, or $69 per month, just for not driving carefully!

Discounts on cheap insurance for a Dodge Ram in Vermont

Insurance providers that provide policies for a Dodge Ram could also offer special discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. A few popular companies and the discounts they provide are detailed below.

• GEICO may have discounts that include emergency military deployment, multi-policy, membership and employees, air bags, federal employee, anti-lock brakes, and good student.
• MetLife may offer discounts for multi-policy, claim-free, good driver, good student, accident-free, and defensive driver.
• Progressive has discounts for online quote discount, multi-policy, multi-vehicle, homeowner, and online signing.
• Travelers offers discounts including home ownership, student away at school, multi-car, payment discounts, driver training, good student, and IntelliDrive.
• SAFECO has savings for safe driver, homeowner, accident prevention training, teen safety rewards, anti-theft, and bundle discounts.
• AAA policyholders can earn discounts including multi-policy, education and occupation, multi-car, AAA membership discount, good driver, and pay-in-full.

The example below shows the difference between premium costs with and without discounts applied to the rates. The costs are based on a female driver, no claims or driving citations, Vermont state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, safe-driver, multiple policy, passive restraint, defensive driving course, and multiple vehicle discounts applied. When these discounts are applied, the the average yearly reduction on insurance for a Dodge Ram is 28% or $407.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2181,1569],[‘Age 30’, 1497,1087],[‘Age 40’, 1393,1011],[‘Age 50’, 1223,887],[‘Age 60’, 1179,857],[‘Age 70’, 1379,997]]);var options = {title: ‘Insurance Rate Comparison with Discounts 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 Vermont’,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);}

Tips to find more affordable insurance for a Dodge Ram

The list below summarizes many money-saving suggestions that can help drivers locate the cheapest car insurance.

• Do not insure for full coverage
• Increase the comprehensive and collision deductibles on your policy
• Serious violations like DUI or reckless driving can increase rates dramatically
• Maintain a safe distance and avoid accidents
• Improve your credit rating
• Choose a safer vehicle and pay lower rates
• Compare rates regularly and switch companies to save money

The last idea is particularly necessary, as we stressed in this article. Coverage rates can change considerably based on profitability, so don’t be hesitant to change insurance companies if a lower-cost policy is available. Many drivers prefer to stick with one company, but is isn’t recommended if your bullheadedness ends up costing you hundreds of dollars year after year. Now is a great time to shop around to find cheaper insurance for a Dodge Ram.

State Farm, Progressive, Allstate, or Geico: Which is best?

If you want reliable insurance for a Ram pickup in Vermont, the companies that insure more vehicles than anyone else are State Farm, Progressive, Allstate, and Geico. Combined they have over 48% of the entire U.S. auto insurance market. The next table breaks down some of the ratings and options that may be available in Vermont.