Who Has the Cheapest Insurance for a Dodge Ram in Oregon?

The chances that you’ll find the best cheap car insurance for a Dodge Ram in Oregon is dependent upon an enormous amount of factors such as how long your commute is, your claims history, and any prior driving offenses you have. Drivers pay on average $1,040 every 12 months to buy Dodge Ram insurance, but that policy rate is an estimate that uses a 50-year-old married male who needs full coverage including both comprehensive and collision and $250 policy deductibles.

The problem with using this number is the good chance you are not a 50-year-old male, possibly single instead of married, or maybe you live in a different area as the quoted rates. Making minor changes in input factors can result in a big discrepancy in the policy cost.

Auto insurance is not the same for everyone, so the most reliable method for finding cheap insurance prices for your Dodge is to just take the time to compare rates yourself.

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Vehicle trim level tends to have a direct impact on the cost of coverage, so the price to insure a Ram Quad Cab ST 2WD trim level will cost $240 less than the price to insure the more well-appointed Ram Quad Cab Laramie 4WD version, as demonstrated by the prices below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in specific zip code location which can increase or decrease prices considerably.

Finding affordable car insurance is not the easiest thing to do, and figuring out which company quotes the best insurance rates for a Dodge Ram takes even more shopping around. Each auto insurer has a different process to set policy rates, so to begin we’ll rank the insurance companies with the overall best prices in Oregon.

It’s important that you understand Oregon insurance rates are determined by lots of factors which can substantially change the policy price. This price variation is why it is important to perform an extensive rate comparison to find the cheapest insurance quotes for a Dodge Ram. Auto insurance prices consist of many risk factors and can change without notice, so the best price three years ago may now be costing you a lot of money.

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Grange may offer some of the best car insurance rates in Oregon at around $694 a year. Oregon Mutual, Country, Travelers, and USAA would also be considered some of the most economical Oregon car insurance companies.

In this example, if you currently have coverage with Travelers and switched to Grange, you might realize a yearly price reduction of roughly $248. Oregon drivers with USAA could save as much as $256 a year, and State Farm customers might cut rates by $377 a year.

Bear in mind that those prices are averaged for all drivers and vehicles in Oregon and do not take into consideration a specific rating modification for a Dodge Ram. So the auto insurance company that fits your age and vehicle best may not even be in the chart above. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Discounts on Oregon car insurance rates

Insurance providers that offer the cheapest insurance for a Dodge Ram in Oregon may additionally offer policy discounts that can lower rates by as much as 30% if you meet specific criteria. A few of the larger companies and their possible discounts are shown below.

• Progressive has discounts for online signing, continuous coverage, multi-policy, good student, homeowner, multi-vehicle, and online quote discount.
• The Hartford has savings for anti-theft, vehicle fuel type, good student, defensive driver, air bag, driver training, and bundle.
• Mercury Insurance discounts include age of vehicle, anti-theft, ease of repair, type of vehicle, multi-car, location of vehicle, and low natural disaster claims.
• GEICO offers discounts including five-year accident-free, anti-theft, military active duty, air bags, and driver training.
• AAA offers discounts for AAA membership discount, good student, anti-theft, multi-policy, and multi-car.
• State Farm may include discounts for anti-theft, student away at school, Steer Clear safe driver discount, passive restraint, and good driver.

The diagram below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no claims or driving citations, Oregon state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, multiple policy, claim-free, defensive driving course, and marriage discounts applied. When taking advantage of discounts, the the amount saved on insurance for a Dodge Ram is 28% or $664.

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The information below illustrates how your deductible choice can change annual premium costs when trying to find cheap insurance for a Dodge Ram. The premiums are based on a married female driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2573,2367,2129,1901],[‘Age 30’, 1803,1653,1475,1307],[‘Age 40’, 1783,1637,1467,1307],[‘Age 50’, 1563,1437,1291,1151],[‘Age 60’, 1491,1369,1231,1095],[‘Age 70’, 1597,1467,1325,1189]]);var options = {title: ‘Impact of Deductibles on Dodge Ram Insurance Rates in Oregon’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram’,minValue: 0,format: ‘$###,###’},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);}

The chart above illustrates that a 40-year-old driver could reduce rates by $272 a year by switching from a $100 deductible up to a $500 deductible, or save $412 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, could drop their prices as much as $672 or even more by selecting a higher deductible.

If you make the decision to raise deductibles, it is necessary to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Which major car insurance company is best?

When it comes to insurance for a Ram pickup in Oregon, some of the first companies to look at are Progressive, State Farm, Geico, and Allstate. If you add them together, they insure almost half of the entire U.S. market share. The data below shows price, claims, and customer service ratings, as well as some optional coverages .