Best Cheap Insurance Quotes for a Dodge Ram in Alaska

The chances that you’ll find the cheapest insurance for a Dodge Ram in Alaska relies on an enormous amount of factors such as whether you are male or female, if you have ever let your coverage lapse, and the level of deductible you choose. Alaska drivers pay on average $1,280 each year to buy Dodge Ram insurance, but that rate is an estimation calculated using a 40-year-old single female who purchased full comprehensive and collision coverage and $100 policy deductibles.

When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 40 years old or even a female, you might be married instead of single, or maybe you just want to insure for liability only. Every policy is rated specifically for the driver, so the only real way to find the cheapest rates for your Dodge is to put in the effort to do a thorough rate comparison.

View Dodge Ram Insurance Rates

The specific model of Ram will likely have an effect on price, so the rate you pay to insure a Ram Quad Cab ST 2WD will be $314 lower than the price to insure the high end Ram Quad Cab Laramie 4WD model, as demonstrated by the prices below.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle location which can modify coverage rates considerably.

Finding out which companies have the most affordable insurance rates for a Dodge Ram will take a tad more effort in order to find a policy that fits your budget.

Each auto insurance company has a unique approach to set premium rates, so we will examine the insurance companies with the overall best prices in Alaska.

Best Car Insurance Prices for Your Ram Truck

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Umialik quotes some of the most affordable car insurance rates in Alaska at around $865 annually. USAA, State Farm, Progressive, and GEICO would also make the list of some of the most economical Alaska auto insurance companies.

As shown in the table above, if you are a policyholder with Progressive and switched to USAA, you might realize an annual premium reduction of in the vicinity of $331. Drivers with GEICO may save as much as $957 a year, and Allstate insureds might lower prices by $1,468 a year.

Understand that those prices are averaged across all drivers and vehicles and and are not calculated with a specific rate factor for a Dodge Ram. So the car insurance company that can offer you the best rate may not even be shown in the rate chart shown above. That emphasizes why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

Irresponsible driving raises your rates

A great way to maintain the best cheap insurance for a Dodge Ram in Alaska is to be a cautious driver and have a clean driving record. The chart below shows how traffic citations and at-fault fender-benders impact insurance premiums for each age group. The premiums are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

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In the example above, the average cost of a car insurance policy in Alaska per year with a clean driving record and no accidents is $1,675. Add in one speeding ticket and the average cost swells to $1,946, an increase of $272 each year. Now add one accident along with the one speeding ticket and the 12-month cost of insurance for a Dodge Ram jumps again to an average of $2,715. That’s an increase of $1,040, or $87 per month, just for being a careless driver!

How to get discounts on Alaska car insurance rates

Auto insurance companies that sell the best cheap insurance for a Dodge Ram in Alaska could also offer special discounts that can lower rates by 30% or more if you are eligible for them. A few popular companies and a summarized list of policyholder discounts are detailed below.

• Progressive discounts include homeowner, online signing, online quote discount, good student, continuous coverage, multi-policy, and multi-vehicle.
• Farmers Insurance offers discounts for good student, distant student, alternative fuel, electronic funds transfer, bundle discounts, and early shopping.
• Farm Bureau may have discounts that include good student, 55 and retired, renewal discount, driver training, and youthful driver.
• State Farm may include discounts for passive restraint, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, accident-free, safe vehicle, and multiple policy.
• GEICO offers discounts including membership and employees, emergency military deployment, driver training, seat belt use, good student, and federal employee.
• SAFECO includes discounts for teen safety rewards, safe driver, multi-car, anti-theft, and homeowner.
• Liberty Mutual policyholders can earn discounts including new vehicle discount, hybrid vehicle, new move discount, good student, exclusive group savings, newly married, and multi-policy.

The chart below illustrates the comparison of insurance costs with and without discounts. The data assumes a male driver, no accidents, no driving violations, Alaska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, multiple vehicle, defensive driving course, anti-theft, vehicle safety, and marriage discounts applied. When these discounts are applied, the the amount saved on insurance for a Dodge Ram is 28% or $491.

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Find the best cheap insurance for a Dodge Ram in Alaska

It is possible to find better rates, and here are many penny-pinching ideas that can help Alaska drivers find more affordable auto insurance.

• Drivers with good credit ratings often pay less
• Avoid filing excessive claims
• Buy a safer vehicle
• Do not get traffic tickets
• Maintain a safe distance and avoid accidents
• Shop your coverage around for the best deal

That last tip is extremely crucial, as was affirmed in this write-up. Car insurance rates change a lot, so don’t hesitate to buy a policy from a new company if a better deal can be had. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that loyalty results in overpaying major coinage every year. Take a couple minutes and compare rates to find cheaper car insurance for a Dodge Ram.

Who is cheaper: Progressive, Allstate, Geico, or State Farm?

If you want the best insurance for a Ram pickup, four companies to take a look at are Progressive, Allstate, Geico, and State Farm. When combined, they make up about half of the entire U.S. car insurance market. The data below ranks pricing and service ratings, plus some optional coverages that are available.