Cheap Insurance Quotes for a Dodge Ram in Utah

Our editors have a joke that when writing about auto insurance, the word cheap should never appear anywhere to describe car insurance prices. Regardless, cheap car insurance for a Dodge Ram is pretty hard to find. Don’t let that discourage you, because there may be ways you can still find and buy coverage that doesn’t break your budget.

Whether or not you can find affordable car insurance for a Dodge Ram in Utah hinges on a very complex rating algorithm that uses multiple factors such as if you are married or single, your residence address, and citations on your driving record. Drivers on average will pay $1,000 annually for Ram insurance, but that policy rate is an approximation assuming a 40-year-old single male who requires full comprehensive and collision coverage and $500 physical damage deductibles.

Most likely you’re not a 40-year-old male, you might be married instead of single, or you just prefer to insure for liability only. Just a slight change in the criteria used to calculate rates can result in a big discrepancy in quoted rates.

This illustrates why your best chance at finding the cheapest insurance price for your Dodge is to comparison shop your policy at each renewal. It’s really quite easy you will receive rate quotes from top-rated car insurance companies that insure vehicles in Utah.

Insure Your Dodge for Less

Your Dodge’s trim level will likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Ram Quad Cab ST 2WD trim level will be $216 less than the price to insure the higher-end Ram Quad Cab Laramie 4WD version, as shown below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in Utah location which can lower or raise auto insurance rates greatly.

Deciphering which company has the most affordable auto insurance rates for a Dodge Ram requires a bit more work than just picking a company at random. Each auto insurance company uses their own method for setting rates, so let’s look at the rankings for the auto insurance companies that tend to have lower prices in Utah.

Find the Cheapest Car Insurance for Your Ram Truck

Compare Rates and Save

Bear River has some of the best car insurance rates in Utah at around $572 each year. USAA, Auto-Owners, American Family, and Allied also qualify as some of the cheapest Utah car insurance companies.

As the rates illustrate above, if you have coverage with Allied and switched to USAA, you may see an annual premium reduction of approxmiately $217. Utah drivers with Safeco may save as much as $228 a year, and GEICO insureds might see rate reductions of $232 a year.

If you want to find out if you’re overpaying, click here to begin a quote or quote rates from the companies below.

Bear in mind that those premium estimates are averages across all drivers and vehicles and do not take into consideration a specific rating modification for a Dodge Ram. So the company that can offer the best rates for your situation may not even be shown in the list above. That helps illustrate why you need to quote rates from many companies using your own individual information.

The example below demonstrates how choosing different deductibles can change annual premium costs when quoting cheap insurance for a Dodge Ram. The prices are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2891,2651,2379,2123],[‘Age 30’, 1527,1397,1247,1103],[‘Age 40’, 1465,1349,1209,1075],[‘Age 50’, 1339,1233,1107,989],[‘Age 60’, 1317,1211,1087,973],[‘Age 70’, 1509,1395,1267,1143]]);var options = {title: ‘Effect of Higher Deductibles on Dodge Ram Insurance Rates in Utah’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could cut expenses by $232 a year by changing from a $100 deductible up to a $500 deductible, or save $350 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 category, can save $768 or even more just by choosing larger deductibles. If you do make the decision to raise your deductibles, it is important to have spare funds to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

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

If you’re looking for the cheapest car insurance, four companies to definitely compare rates with are Geico, State Farm, Allstate, and Progressive. Combined they insure nearly half of all policies written. The table below compares some of the different options and features that you can purchase from each one.

Who has the cheapest Dodge Ram insurance quotes?

There are quite a few ways to buy auto insurance in Utah, but the three most common ways are using an exclusive insurance agent like Allstate or State Farm, a non-exclusive or independent agent, or direct either online or via phone. You can use whichever you prefer, but each is different in how they provide price quotes.

Independent insurance agents write for multiple companies and can compare rates with all of them. These agents have the ability to compare multiple rates, which can help you get a better comparison. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to find a new agent.

A captive, or exclusive, agent is ‘exlusive’ to a single insurance company like Liberty Mutual and Allstate agents. Exclusive agents cannot give you multiple price quotes, so if finding the cheapest coverage is your goal, you will need to shop around.

Buying auto insurance direct means you forego a local insurance agent and instead shop buying direct from a company like Esurance or Geico. This auto insurance option may be the best choice families who do not need high amounts of coverage and have a decent understanding of how auto insurance works.

So what is the best way for finding cheap insurance for a Dodge Ram in Utah? One answer would be buying from a direct company yields the cheapest rates since that prevents the need to pay agent commissions, but unfortunately, that is not the case. It would also be easy to say buying from an independent agent guarantees the lowest rates since there are more companies to choose from, but again, that’s not accurate. In some circumstances, exclusive agencies have very competitive rates that are impossible to beat.

Since auto insurance prices are based on many different factors, the best way to ensure the lowest rates is to get as many comparison quotes as possible. Industry experts recommend getting rate quotes from all three in order to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

Find cheap insurance for a Dodge Ram in Utah

Below you’ll find some penny-pinching suggestions that can help drivers quote the cheapest auto insurance.

• Increase physical damage deductibles
• Tickets and violations raise rates
• At-fault accidents will increase rates
• Do not pay for full coverage on older vehicles
• Improve your credit score
• Vehicles with safetly features generally cost less to insure
• Compare prices frequently to find the best deal

The last suggestion is extremely vital, as was affirmed in this article. Coverage prices can change significantly in a year, so don’t be hesitant to switch companies if a more affordable rate is found.

Many drivers tend to have loyalty to a certain company, but it’s not recommended if that stubbornness costs you several hundred dollars every year. Take a couple minutes and shop around to find cheaper insurance for a Dodge Ram.