Who Has Cheap Insurance for a Dodge Ram in Massachusetts?

Your ability to find cheaper car insurance for a Dodge Ram in Massachusetts is contingent on a lot of things such as whether you are single or married, whether or not you have had gaps between policies, and your driving record. Massachusetts drivers on average pay around $1,000 every 12 months to buy Dodge Ram insurance, but that figure is a valuation based on cost data for a 50-year-old single male that has full comprehensive and collision coverage and $1,000 policy deductibles.

It’s more than likely that you are not exactly 50 years old and possibly not even male, possibly married instead of single, and you may just want the cheapest liability coverage you can find. What seems to be a minor change in quote information can result in a large change in how much insurance for a Dodge Ram costs.

Auto insurance is unique to every driver, so the best way to quote cheap car insurance rates for your Dodge is to make a habit of comparing prices at least once a year. Compare rate quotes now and you can get rates from the best auto insurance companies that sell coverage in Massachusetts.

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Your Dodge’s trim level tends to impact the cost of coverage, so the rate you pay to insure a Ram Quad Cab ST 2WD model will be $184 lower than the insurance cost for the higher-end Ram Quad Cab Laramie 4WD version, as demonstrated by the prices below.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in specific location information which can influence coverage rates greatly.

Establishing which company quotes the cheapest insurance rates for a Dodge Ram requires more time in order to find the lowest price quote.

Each company used slightly different criteria for filing rates in each state, so we will examine the most competitive insurance companies in Massachusetts.

Find the Best Cheap Insurance for Your Ram Truck

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State Farm normally has some of the lowest car insurance rates in Massachusetts at around $711 annually. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also qualify as some of the cheaper Massachusetts insurance companies.

In this example, if you are a customer of GEICO and switched to State Farm, you could see annual savings of roughly $139. Drivers with Commerce Group may save as much as $164 a year, and OneBeacon customers might see rate reductions of $201 a year.

Remember that these estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific rating modification for a Dodge Ram. So the car insurance company that has the lowest price for you may not even be shown in the above rate chart. That affirms the importance of why you need to quote rates from many companies using your own driver data and vehicle information.

The diagram below demonstrates how choosing different deductibles can change insurance rates when getting quotes for cheap insurance for a Dodge Ram. The rate quotes are based on a single female driver, full coverage, and no discounts are taken into consideration.

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A 40-year-old driver could lower their car insurance rates by $380 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $574 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, can save as much as $966 every year by using higher deductibles when buying full coverage. If you do raise deductibles, it is a good idea to have additional funds in a savings account to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Drive safe and save

The easiest method to receive affordable insurance rates in Massachusetts for a Ram pickup is to drive carefully and not receive tickets or have accidents. The chart below highlights how traffic violations and at-fault accidents can drive up car insurance costs for each different age category. The data is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

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 Two Accidents’],[‘Age 20’, 3603,4403,7275],[‘Age 30’, 1899,2695,5565],[‘Age 40’, 1825,2623,5491],[‘Age 50’, 1667,2465,5335],[‘Age 60’, 1635,2433,5303],[‘Age 70’, 1879,2675,5549]]);var options = {title: ‘Violations, Accidents, and Massachusetts 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 Massachusetts’,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 in the chart shows the average cost of a car insurance policy per year with no accidents or violations is $2,085. Add in two speeding tickets and the average cost hikes up to $2,882, an increase of $798 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Dodge Ram increases to an average of $5,753. That’s an increase of $3,668, or $306 per month, just for not driving safely!

How to find economical insurance for a Dodge Ram

The list below details a few thrifty solutions that can help drivers buy low-cost coverage.

• Insure your home and auto with the same company
• Do not get traffic tickets
• Save money by staying claim-free
• Avoid at-fault accidents and claims
• Lower rates by purchasing a safer vehicle
• Shop around for lower rates once a year

That last tip is especially necessary, as we stressed in this write-up. Auto insurance prices in Massachusetts change a lot, so drivers shouldn’t hesitate to buy a policy from a new company if a lower price can be found. Brand loyalty is not necessarily bad, but is isn’t recommended if that stubbornness costs you several hundred dollars every year. Now is a great time to shop around to find cheaper insurance for a Dodge Ram.