Cheap Insurance Quotes for a Dodge Ram in Ohio

When talking about car insurance, the word “cheap” should not appear anywhere to describe car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Dodge Ram can be hard to find. But don’t despair, because there may be ways you can quote and buy insurance that won’t break your budget.

Your chances of finding the cheapest coverage for a Dodge Ram in Ohio depends upon things such as whether you are single or married, if you have recent claims, and your choice of deductibles. Drivers pay an average rate of $740 per year to buy insurance for a Dodge Ram, but that figure is an approximation that rates a 30-year-old married female driver that wants full physical damage coverage and $500 physical damage deductibles.

It’s highly likely that you are not 30 and possibly not even female, you might be single instead of married, or maybe you do not need full coverage. There is no one cookie-cutter policy that works for everyone, so your best chance at finding cheap insurance prices for your Dodge is to regularly compare rates at renewal.

Save Now on Ram Insurance

The specific model of Ram will influence the annual cost of coverage, so the price you pay to insure a Ram Quad Cab ST 2WD trim level will be $160 cheaper than the price to insure the high end Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Table data does not factor in specific Ohio garaging location which can affect premium rates substantially.

Selecting the top insurer can be challenging considering how many companies there are to choose from in Ohio. The rank data in the next section could help you select which insurers you want to consider when comparing rates. The ratings below are only comprised of the largest auto insurers in America, so companies that focus mainly on Ohio business are not factored into this list.

Top 10 Large Auto Insurers in Ohio Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Large Auto Insurers in Ohio Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. GEICO
7. AAA Insurance
8. Safeco Insurance
9. Esurance
10. The General

Top Companies for Dodge Ram Insurance in Ohio

Discounts on cheap insurance for a Dodge Ram in Ohio

Auto insurance companies that provide policies for a Dodge Ram may also provide special discounts that can lower rates by as much as 35% or more if you meet specific eligibility requirements. A few of the larger companies and their possible discounts can be found below.

The diagram below shows the comparison of yearly insurance costs with and without some available policy discounts. The prices are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, homeowner, safe-driver, anti-theft, multiple policy, and defensive driving course discounts applied. When drivers take advantage of discounts, the the average amount saved on auto insurance for a Dodge Ram is 13% or $220.

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Full coverage versus liability-only

Finding cheap insurance for a Dodge Ram in Ohio should be important to most drivers, and one easy way to buy cheaper insurance is to only pay for liability coverage. The illustration below illustrates the difference between yearly insurance costs with liability coverage only compared to full coverage. The rates are based on no claims or driving violations, $250 deductibles, single marital status, and no other discounts are factored in.

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On average, comprehensive and collision coverage on your policy costs $1,531 per year more than insuring for liability only. That is a large expense and it proposes the question if you should buy full coverage. There is no specific rule to delete physical damage insurance, but there is a general convention. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

There are some scenarios where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.

How to get cheap insurance for a Dodge Ram in Ohio

It is possible to find better rates, and here are some of the better thrifty suggestions that can help you quote cheaper auto insurance.

• Raise your deductibles
• Good credit can mean cheaper rates
• Vehicles with good safety ratings have lower liability rates
• Do not get traffic citations
• At-fault accidents will increase rates
• Compare rate quotes frequently

That last piece of advice is extraordinarily crucial, as was pointed out in the prior information. Coverage prices in Ohio can change in a short period of time, so don’t be afraid to switch to a new company if a lower-cost policy is available. Brand loyalty is great, but it isn’t a good idea if that faithfulness ends up costing you hundreds of dollars a year. If you have a few minutes, compare prices and find cheaper insurance for a Dodge Ram.