How Much Does Insurance Cost for a Dodge Ram in New York?

Finding the best cheap insurance for a Dodge Ram in New York relies on a very complex rating algorithm that uses multiple factors like how old the vehicle is, your claims history, and driving violations and tickets. Drivers pay approximately $840 per year to insure a Dodge Ram, but that figure is an estimation based on rate data for a 50-year-old married female driver that wants full physical damage coverage and $250 policy deductibles.

But there is a high likelihood that you are not 50 and maybe not even a female, possibly single instead of married, or maybe you live in a different part of New York than the example. Not every driver requires the same auto insurance coverages, so the way we recommend to find cheap auto insurance rates for your Dodge is to compare rates from as many companies as possible. Quotes are always free and you can get rates from the cheapest companies that insure Dodge vehicles in New York.

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Your Dodge’s trim level tends to have a direct effect on the yearly cost, so the price you pay to insure a Ram Quad Cab ST 2WD model will cost $192 less than the price to insure the higher-priced Ram Quad Cab Laramie 4WD trim level, as shown in the chart below.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates significantly.

Trying to find budget auto insurance is not always easy, and determining which companies have the cheapest auto insurance rates for a Dodge Ram will take even more work.

Each auto insurer has a unique approach for establishing rates, so let’s begin by examining the auto insurance companies that tend to be cheaper in New York. It’s important to understand that New York auto insurance rates are impacted by many things that can increase the policy premium. Price variation is why consumers need to take the time to compare rates to get the most budget-friendly insurance rates for a Dodge Ram. Prices can be determined by many different factors and can increase or decrease at any time, so the best company three years ago may now be quite expensive.

Best Auto Insurance Prices for Your Ram Truck

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USAA has some of the cheapest car insurance rates in New York at around $1,163 a year. Erie, Progressive, Utica National, and Travelers would also make the list of some of the more affordable New York insurance companies.

As shown in the rates above, if you are a policyholder with Progressive and switched to USAA, you may realize savings of upwards of $349. New York drivers with Utica National might save as much as $386 a year, and Travelers policyholders might cut rates by $396 a year.

If you want to see how much you could save, click here to begin a quote or visit any of the low-priced companies below.

Remember that these policy prices are averaged across all ages of drivers and types of vehicles and are not factoring in a specific rating modification for a Dodge Ram. So the car insurance company that has the cheapest rates for you may not even be shown in the list above. That emphasizes why you need to compare prices as often as possible using your own individual information.

Irresponsible driving raises your rates

In a perfect world, the best way to find the cheapest auto insurance rates for a Ram pickup is to drive safely and avoid accidents and traffic citations. The diagram below demonstrates how speeding tickets and at-fault fender-benders increase insurance prices for each age group. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2845,3473,4099],[‘Age 30’, 1501,2129,2755],[‘Age 40’, 1443,2069,2695],[‘Age 50’, 1321,1947,2569],[‘Age 60’, 1295,1923,2547],[‘Age 70’, 1485,2115,2739]]);var options = {title: ‘Effect of Violations and Accidents on New York Dodge Ram Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in New York’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of a car insurance policy in New York per year with no accidents and a clean driving record is $1,648. Get two speeding tickets and the average cost increases to $2,276, an increase of $628 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Dodge Ram goes up to an average of $2,901. That’s an increase of $1,252, or $104 per month, just for being a little careless behind the wheel!

Why you should shop around for Ram insurance

New York auto insurance rates are based on many factors which can substantially decrease or increase the cost of having a policy. Simply having a birthday, buying a new vehicle, or having an accident may cause policy rate changes that can now make some companies cheaper than competitors.

Additionally, car insurance companies modify rates every year or even multiple times each year to adjust for unexpected claims or profits. Significantly higher losses may cause additional premium costs, while lower claims may result in cheaper Ram insurance rates.

The bar chart below shows the company with the cheapest car insurance in New York for a 45-year-old female driver with a clear driving record, no claims, and great credit. When comparing rates based on her current rating profile, USAA offers the best car insurance rates in New York at $3,520 per year. This is $1,445 more than the average rate paid by New York drivers of $2,075. Erie, Progressive, Utica National, and Travelers are the remainder of the top five cheapest New York auto insurance companies.

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The chart below compares rates after we give the driver in the first example an accident claim, a lower credit score, and a traffic ticket or two. Since each auto insurance company uses a different method for setting prices, comparing rates may result in a different list of affordable New York car insurance companies as shown below.

google.charts.setOnLoadCallback(drawNYWcqcibChart);function drawNYWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Amica’, 5154.6, ‘#C75000’],[‘MetLife’, 5181, ‘#A54200’],[‘Erie’, 5721.6, ‘#893700’],[‘Preferred Mutual’, 5724.4, ‘#722D00’],[‘New York Central Mutual’, 5932.3, ‘#5F2500’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:6032.3,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Amica now has the cheapest rate in New York with MetLife, Erie, Preferred Mutual, and New York Central Mutual also having competitive pricing. This example proves why consumers need to spend some time comparing rates to get the cheapest auto insurance rates for a Dodge Ram.

Insurance rates can be altered by many factors and change dramatically, so the best company when you last compared rates may now be quite expensive.

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

Here are some of the recommended thrifty solutions that can help New York drivers find cheap coverage.

• Higher credit ratings may save you money
• Increase your comprehensive and collision deductibles
• If your vehicles are older, consider dropping full coverage
• Bundle car and home insurance and save money
• Vehicles with good safety ratings have lower liability rates
• Try paying for small claims out-of-pocket
• Comparison shop at least every other year

The final tip is certainly important, as we emphasized in this write-up. Coverage prices go up and down frequently, so don’t be tentative to change to a new company if a cheaper price is available. Staying with the same company for years is fine, but is isn’t recommended if that faithfulness ends up costing you a fortune every year. In just a couple of minutes you could compare rates to find cheaper car insurance for a Dodge Ram.

Who has the cheapest Dodge Ram insurance quotes?

You have many ways to compare cheaper auto insurance rates in New York, but the most common methods are through an exlusive agent like State Farm or Liberty Mutual, an independent agent, or direct from companies such as Progressive or Geico.

They all follow the same basic process, but they differ slightly in how they function.

Independent insurance agencies are appointed by several companies and can do rate comparisons with every one. These types of agencies can quote with many companies and provide you with more rates, which can give you improved chances of finding a lower rate. If they quote lower rates, you can get a different policy and the insured can keep the same agent.

A captive or exclusive agent is restricted to quoting rates for one insurance company, two examples are State Farm and Auto-Owners agents. This type of agents cannot provide multiple price quotes, so if rates are not competitive, they cannot shop around.

The last way is buying direct, which means you bypass a local insurance agent and instead shop direct from companies such as Esurance or Progressive. Buying direct can be good for drivers who do not need advice for asset protection and have a decent understanding of what auto insurance covers.

So what is the best way to find cheap insurance for a Dodge Ram in New York? Most drivers assume that buying from a direct car insurance company results in the cheapest price because there are no middleman commissions, but unfortunately, it’s not that simple. An argument could also be made that an independent agent is the best way to save because you have more choices, but that idea is not necessarily true either. And often times, the exclusive agents have coverage prices that are the lowest in New York.

Because there is so much variation in auto insurance prices, the best way to buy the cheapest coverage is to compare, compare, and compare some more. Industry experts recommend getting prices from all three in order to have the best selection to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.