How Much Does Insurance Cost for a Dodge Ram in Indiana?

Because the topic is car insurance, the word affordable should never appear anywhere in the article. Unfortunately, cheap auto insurance for a Dodge Ram is almost non-existent. But don’t despair, because we will teach you how you can quote and buy insurance that is easier on your budget.

Your odds of finding the cheapest insurance for a Dodge Ram in Indiana depends upon a complicated equation that takes into consideration things like the amount of driving experience you have, if you have ever let your coverage lapse, and any prior driving offenses. Drivers pay approximately $1,420 a year to insure their Ram, but that policy rate is using cost data for a 30-year-old single female driver with comprehensive and collision coverage and $100 policy deductibles.

If we were betting, you’re not a 30-year-old female, married instead of single, or you have a violation or two on your driving record. Even a slight difference in rating factors could end up with a large change in the coverage rate.

Each driver has unique rating factors, so the only real way to find the cheapest insurance price for your Dodge is to make a habit of comparing prices at least once a year.

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Vehicle trim level will likely have an effect on the coverage cost, so the price you pay to insure a Ram Quad Cab ST 2WD trim level will be $356 less expensive the cost to insure the more well-appointed Ram Quad Cab Laramie 4WD version, as shown in the prices below.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific zip code location which can alter prices significantly.

Establishing which companies have the cheapest auto insurance rates for a Dodge Ram may require more work than just comparing a company or two. Each auto insurer has a unique formula to establish rates, so we need to take a look at the overall cheapest auto insurance companies in Indiana.

Cheap Insurance Rates for Your Ram Truck

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Travelers may offer some of the cheapest car insurance rates in Indiana at around $614 a year. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also make the cut as some of the cheapest Indiana car insurance companies.

In this example, if you currently have coverage with Cincinnati Insurance and switched to Travelers, you might achieve an annual savings of in the vicinity of $50. Customers with USAA may save as much as $53 a year, and Erie customers might lower prices by up to $119 a year.

To see if you’re overpaying, click here to begin a quote or feel free to get quotes from the companies below.

Understand that those prices are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Dodge Ram. So the car insurance company that can offer the best rates for your situation may not even be included in the company chart above. That illustrates why you need to get rate quotes using your own driver data and vehicle information.

The example below demonstrates how deductible levels can change premium costs when researching cheap insurance for a Dodge Ram. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

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A 40-year-old driver could cut expenses by $318 a year by switching from a $100 deductible to a $500 deductible, or save $484 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could lower their rates up to $808 every year by choosing a larger deductible amount.

When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough spare savings to enable you to cover the extra out-of-pocket expense associated with higher deductibles.

Progressive, Allstate, State Farm, or Geico: Which is best?

When comparing rates for insurance for a Ram pickup in Indiana, four companies you’ll want quotes from are Progressive, Allstate, State Farm, and Geico. If you combine them together, they insure about 50% of all auto insurance policies in force. The following table ranks ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.

Who has the cheapest Dodge Ram insurance quotes?

There are many ways to quote and buy auto insurance in Indiana, but the most popular methods are using an exclusive agency like Allstate or State Farm, an independent or non-exclusive agent, or from a direct company like Geico. Each way has the same basic steps, but they differ in how they provide rate quotes.

Independent insurance agencies can place your business with multiple companies and can get policy pricing from each one. They can give you a larger rate selection, which may provide you with the best chance of saving money. If cheaper coverage is found, your policy can be easily switched to a new company and you don’t have to switch agencies.

Exclusive agents are usually restricted to a single insurance company like an Allstate or State Farm agent. They are unable to quote prices from more than just one company, so you will not be able to compare their rates to other companies.

Auto insurance from a direct company means you do not use local agents and instead buy direct from companies such as Geico or Esurance. Buying direct can be a good choice for families who do not have a complex risk profile and have a decent understanding of what auto insurance covers.

What is the best method to buy cheap insurance for a Dodge Ram in Indiana? We would first guess that shopping direct results in the cheapest rates because you bypass the agent, but in reality, that is not true. We could also assume that buying auto insurance from an independent agent guarantees the lowest rates since there are more companies to choose from, but that is not accurate either. And occasionally, exclusive agencies have extremely competitive rates that are the lowest in Indiana.

Since auto insurance prices are based on many different factors, the guaranteed way to ensure you are not overpaying is to compare rate quotes from as many companies as possible. In a perfect world, youll get price quotes all three ways to give yourself the best selection. To see some of the cheapest online companies available, click here to view.

Tips for buying cheaper insurance for a Dodge Ram

Lowering your rates is not difficult, and here are many money-saving ideas that can help drivers buy lower-cost coverage.

• Buying your home and auto policies from the same company can earn a discount
• Vehicles with good safety ratings are usually cheaper to insure
• Try to not file small claims
• Save money by insuring older vehicles for liability only
• At-fault accidents will increase rates
• Speeding tickets and other violations increase rates
• Shop around and save

The final tip is notably critical, as we pointed out in this write-up. Insurance prices adjust frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty ends up costing lots of money. It only takes a couple minutes to compare rates and find cheaper auto insurance for a Dodge Ram.