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

Our editors have a joke that when writing about car insurance, the words “affordable” or “cheap” shouldn’t be used anywhere to describe car insurance prices. Forgive the oxymoron, but cheap auto insurance for a Dodge Ram can seem impossible to find. But don’t let that discourage you, because we are going to show you how you can still find and buy coverage that you can afford.

Whether or not you can find affordable car insurance for a Dodge Ram in Maine depends upon many different factors such as annual vehicle mileage, whether or not you garage your vehicle, and driving violations. Drivers in Maine pay around $760 annually for Ram insurance, but that cost is an estimation based upon a 30-year-old married male that purchased full coverage and $250 physical damage deductibles.

There is a really good chance that you are not 30 and maybe not even a male, maybe you are single instead of married, or maybe you live in a different part of Maine than the example. Just a slight difference in price quote data can result in a large change in the price of coverage.

Auto insurance is unique to every driver, so the best way to quote the most affordable coverage for your Dodge is to make a habit of regularly comparing rates from other companies.

Save Now on Ram Insurance

The specific trim level will likely have an effect on the coverage cost, so the rate you pay to insure a Ram Quad Cab ST 2WD will be $182 less expensive the insurance cost for the fancier Ram Quad Cab Laramie 4WD model, as shown in the prices below.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in Maine location which can change insurance rates significantly.

Buying coverage from a highly-rated car insurance company is difficult considering how many companies sell insurance in Maine. The ranking data shown next could help you select which companies to look at comparing rates with.

These rankings are only made up of companies that insure vehicles across America, so companies that have a smaller presence are not taken into consideration for these rankings. To view rates from these top insurers and more, just click here.

Top 10 Large Car Insurance Companies Overall in Maine

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top 10 Large Car Insurance Companies in Maine Ranked by A.M. Best Rating

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Progressive – A+
9. The Hartford – A+
10. The General – A-

Top Companies for Dodge Ram Insurance in Maine

Discounts on cheap insurance for a Dodge Ram in Maine

Insurers that sell policies for a Dodge Ram could also offer price discounts that can reduce rates by as much as 35% if you are eligible. A list of companies and some of the premium reductions they offer are outlined below.

The example below shows the comparison of yearly insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, a clean driving record, no claims, Maine state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, vehicle safety, anti-theft, safe-driver, marriage, and multiple vehicle discounts applied. When discounts are applied, the average savings per year on car insurance for a Dodge Ram is 34% or $553.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2553,1843],[‘Age 30’, 1341,977],[‘Age 40’, 1323,961],[‘Age 50’, 1205,875],[‘Age 60’, 1163,845],[‘Age 70’, 1409,1019]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Dodge Ram’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

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

When it comes to buying insurance for a Ram pickup in Maine, the companies with the most market share are Progressive, Geico, Allstate, and State Farm. If you combine them together, they insure about half of the entire U.S. car insurance market. All offer liability and physical damage insurance, but each one has a little bit different set of discounts and options that may influence your buying decision. The next table points out ratings for price and service, as well as some optional coverages that are available.

Who has the cheapest Dodge Ram insurance quotes?

There are quite a few ways to shop for and buy car insurance in Maine, but the most preferred ways are using an exclusive agency such as State Farm or Auto-Owners, a non-exclusive or independent agent, or direct online or over the phone from a company like Geico or Progressive.

All three ways can provide car insurance quotes, but it’s important to point out the distinctions in how they function.

Independent insurance agents can place your business with multiple companies and can compare rates with all of them. Independent agents have the ability to give you more rate choices, which may give you the best chance of finding a lower price. If a cheaper price is found, an independent agent can move your coverage and you stay with the same agent.

An exclusive ageny is only able to write business for one company like State Farm and Allstate agents. These guys and gals cannot provide rates from more than one company, so always compare other rates.

The last way is buying direct, which means you do not use the middleman (the agent) and instead shop direct either online or via phone. Shopping for car insurance direct can be a good choice for drivers who have fewer assets and have some degree of understanding of what specific coverages they need.

Which method is best to buy cheap insurance for a Dodge Ram in Maine? It would be obvious to point out buying from a direct company saves the most money because there is no agent taking a commission, but in reality, that is not true. A valid argument could also be made that an independent agent guarantees the cheapest rates since they have more companies to choose from, but that’s not always true, either. And often times, exclusive agencies have very competitive rates that are the cheapest.

Due to the fact that car insurance rates vary so much, the one way to make sure you’re not overpaying for car insurance is to compare rate quotes from as many companies as possible. Industry experts recommend getting price quotes all three ways in order to find the best price. For a list of companies with some of the cheapest Maine car insurance rates, click here to view.

Find cheap insurance for a Dodge Ram in Maine

It is possible to find better rates, and here are many penny-pinching ideas that can help Maine drivers quote more affordable coverage.

• Improve your credit score
• Vehicles with good safety ratings are usually cheaper to insure
• At-fault accidents can raise rates significantly
• Increase your deductibles
• Tickets and violations raise rates
• Keep rates low by shopping around frequently

The last tip is incredibly critical, as was affirmed in this article. Car insurance prices fluctuate considerably, so don’t be unwilling to buy a different policy if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it’s not recommended if your bullheadedness ends up costing you a lot of money every month. In just a few minutes you could compare prices to find cheaper car insurance for a Dodge Ram.