Cheap Insurance Quotes for a Dodge Ram in Texas

The chances of finding cheap insurance for a Dodge Ram in Texas depends on a lot of rating criteria such as if you have purchased a home, if you are a frequent claim filer, and the level of deductible you choose. Drivers in Texas on average will pay $1,790 each year for Ram insurance, but that price is a valuation that uses a 40-year-old single female who requires full physical damage coverage and $100 physical damage deductibles.

More likely than not, you are not exactly 40 years old and possibly not even female, married instead of single, or maybe you are just looking for cheap liability insurance. Every driver has a different risk profile, so your best chance at finding cheap auto insurance rates for your Dodge is to take your time and compare rates from as many companies as possible.

Compare Dodge Ram Insurance Rates

Your vehicle’s trim level can impact the coverage cost, so the price you pay to insure a Ram Quad Cab ST 2WD will be $440 lower than the cost to insure the more costly Ram Quad Cab Laramie 4WD trim level, as shown below.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in your specific Texas location which can change prices considerably.

Finding out which companies quote the lowest-priced insurance rates for a Dodge Ram will require more work in order to find the best policy. Each insurance company has a proprietary formula to determine premium rates, so let’s look at the rankings for the insurance companies with the overall best prices in Texas.

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Travelers may have some of the lowest car insurance rates in Texas at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the best Texas auto insurance companies.

As shown in the rates above, if you buy coverage from Esurance and switched to USAA, you might see a yearly price reduction of about $262. Insureds with California Casualty could save as much as $321 a year, and Mercury insureds might reduce prices by as much as $359 a year.

It’s important to note that these premiums are averages for all types of insureds and vehicles and are not factoring in a specific rate value for a Dodge Ram. So the car insurance company that can offer you the best price may not even be in the list of companies above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The diagram below illustrates how your choice of deductibles can increase or decrease premium costs when quoting cheap insurance for a Dodge Ram. The premiums are based on a single female driver, comp and collision included, and no additional discounts are factored in.

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A 50-year-old driver could lower their car insurance rates by $482 a year by changing from a $100 deductible to a $500 deductible, or save $726 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could possibly save up to $1,230 or more by using a higher deductible.

When choosing a higher deductible, it is a good idea to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Cheapest car insurance: Allstate, State Farm, Progressive, or Geico

If you are looking for the best insurance for a Ram pickup in Texas, probably the best companies to start with are Allstate, State Farm, Progressive, and Geico. The next table compares some of the different features shoppers can expect to find with each one.

How to find budget-friendly car insurance for a Dodge Ram

Here are a few thrifty suggestions that can help Texas drivers find more affordable coverage.

• Speeding tickets and other violations increase rates
• Maintaining good credit helps earn cheaper rates
• Avoid preventable accidents
• Save money by staying claim-free
• Safer vehicles cost less to insure
• Compare price quotes at least once a year

That last idea is particularly valuable, as was discussed in the article above. Coverage rates can change significantly in a year, so don’t be hesitant to switch to a new company if you find a better deal. Staying with the same company for years is fine, but is isn’t recommended if that stubbornness costs you a wad of cash every year. If you have a few minutes, compare prices and find cheaper insurance for a Dodge Ram.