Who Has Cheap Insurance Quotes for a Dodge Ram in North Dakota?

When writing about shopping for car insurance, the word affordable shouldn’t be used anywhere in the article to describe car insurance prices. It’s just a fact that cheap auto insurance for a Dodge Ram just does not exist. But don’t let that discourage you, because we are going to show you some ways you can still find and buy car insurance that most people can afford.

Your odds of finding cheap insurance for a Dodge Ram in North Dakota relies on factors like whether you are single or married, the likelihood of vehicle theft, and any prior driving offenses. Drivers on average pay around $990 a year to insure a Ram, but that price is assuming a 50-year-old married male that includes full coverage and $250 deductibles.

There’s a high likelihood you are not 50 and possibly not even male, single instead of married, and there is a good chance that there are other drivers on your policy. Auto insurance requires individual risk assessment, so your best shot at finding the most affordable coverage for your Dodge is to regularly compare rates at renewal.

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The specific model of Ram will likely have an effect on the cost of coverage, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $226 lower than the insurance cost for the more costly Ram Quad Cab Laramie 4WD version, as demonstrated by the prices below.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in garaging location in North Dakota which can raise or lower prices considerably.

Buying coverage from the right insurance provider can be challenging considering how many different insurance companies sell coverage in North Dakota. The company ratings in the lists below could help you analyze which car insurance providers to look at when trying find the best insurance for a Dodge Ram.

These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus will not be included in the list. To compare rates and find cheaper insurance for a Dodge Ram, click here.

Top 10 Large Car Insurance Companies in North Dakota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Nationwide
10. The General

Top Companies for Dodge Ram Insurance in North Dakota

Discounts on North Dakota car insurance

Insurers that offer cheap insurance for a Dodge Ram in North Dakota may additionally offer premium discounts that could lower prices by as much as 30% if you meet eligibility requirements. A few popular companies and some of their more popular discounts can be read below.

The information below illustrates the difference between yearly insurance costs with and without discounts being applied to the rates. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, North Dakota state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, homeowner, safe-driver, defensive driving course, multiple vehicle, and anti-theft discounts applied. When these discounts are applied, the the average yearly reduction on car insurance for a Dodge Ram is % or $.

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Drive safe and save

The obvious way to earn cheap insurance for a Dodge Ram in North Dakota is to drive attentively and avoid accidents and traffic citations. The information below highlights how traffic violations and at-fault fender-benders can increase insurance costs for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 1803,2319,4513],[‘Age 30’, 1239,1759,3949],[‘Age 40’, 1237,1755,3945],[‘Age 50’, 1095,1611,3803],[‘Age 60’, 1039,1557,3747],[‘Age 70’, 1127,1643,3835]]);var options = {title: ‘Impact of Citations and Accidents on North Dakota 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 North Dakota’,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);}

The data charted above shows the average cost of auto insurance in North Dakota per year with no accidents or violations is $1,257. Factor in two speeding tickets and the average cost surges to $1,774, an increase of $517 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Dodge Ram goes up to an average of $3,965. That’s an increase of $2,709, or $226 per month, just for not driving responsibly!

Best cheap Dodge Ram insurance quotes

Due to technology, there are many ways to quote cheap car insurance rates in North Dakota, but the most common methods are using an exlusive agent like Liberty Mutual or State Farm, an independent or non-exclusive agent, or direct either online or via phone. All three ways are similar, but it’s important to understand the differences in how they provide price quotes.

Independent agencies have contracts with multiple insurance companies and can get rate quotes from each one. These agents are appointed with more than one company and can give you a larger rate selection, which can give you a better overall rate comparison. If they find a lower price, your policy can be moved and that require little work on your part.

A captive, or exclusive, agent is only able to give prices for a single company like a State Farm or Allstate agent. These guys and gals cannot compare other company’s rates, which will not provide a complete price comparison.

Buying from a direct company means skip the middleman (the agent) and instead shop buying direct from a company like Geico or Esurance. Buying direct is good for drivers who have little risk and understand how their policy works.

What is the best method for finding cheap insurance for a Dodge Ram in North Dakota? One answer would be buying from a direct car insurance company yields the cheapest rates because you bypass the middleman, but that is not always the case. A valid argument could also be made that buying from an independent agent is the best way to save since they have access to many companies, but again, that’s not accurate. And often times, exclusive agencies have extremely competitive rates that other car insurance companies cannot touch.

Since car insurance prices vary so much, the one way to make sure you’re not overpaying for car insurance is to get quotes and compare. We recommend you get price quotes all three ways to give yourself enough choices. For a list of car insurance companies with low rates, click here to view.

How to get cheap insurance for a Dodge Ram in North Dakota

Below you’ll find some of the recommended thrifty ideas that can help North Dakota drivers quote the cheapest auto insurance.

• Avoid accidents and claims
• Drivers with good credit ratings often pay less
• Keep your driving record clean
• Vehicles with good safety ratings have lower liability rates
• Discounts for being claim-free can be substantial
• Comparison shop at least every other year

That last idea is particularly crucial, as we hit on in this article. Coverage prices change constantly, so don’t be unwilling to buy from a new company if you can find a cheaper rate.

Sticking with a specific company is fine, but is isn’t recommended if that dedication is costing big bucks every year. Now is a great time to shop around and find cheaper car insurance for a Dodge Ram.