Who Has the Cheapest Insurance Quotes for a Dodge Ram in Florida?

Whenever people write about car insurance, the words “affordable” or “cheap” should not be used anywhere in the article as a descriptor for car insurance rates. Despite the oxymoron, cheap auto insurance for a Dodge Ram may be a thing of the past. Don’t let that ruin your day, because we are going to tell you how you can find and buy coverage that most people can afford.

The likelihood of finding the best cheap insurance for a Dodge Ram in Florida depends on dozens of factors such as the safety rating for your Ram, whether you have good credit, and driving citations. Florida drivers will pay around $1,690 annually to buy Dodge Ram insurance, but that price is a projection that rates a 30-year-old married female that included full physical damage coverage and $100 deductibles.

When projecting a rate like this, the problem is that you are not 30 years old and maybe not even female, you might be single instead of married, and you don’t want the same coverages and limits as the example. Every driver has different characteristics, so the way we recommend to find the cheapest coverage for your Dodge is to put in the effort to do a thorough rate comparison.

Insure Your Dodge for Less

Vehicle trim level tends to impact the coverage cost, so the rate you will pay to insure a Ram Quad Cab ST 2WD will be $430 less expensive the cost to insure the fancier Ram Quad Cab Laramie 4WD model, as shown in the chart below.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices substantially.

Which car insurance company is best in Florida?

Picking a highly-rated auto insurance company can be a challenge considering how many choices you have in Florida. The ranking data in the lists below could help you decide which auto insurance companies you want to consider when insurance shopping for a Dodge Ram.

These rankings are only made up of the largest companies in the United States, so smaller companies that only insure vehicles in Florida will not be included in these rankings. To compare rates from these top insurers and more, follow this link.

Get discounts on Florida car insurance

Auto insurance companies that provide the cheapest insurance for a Dodge Ram in Florida may have policy discounts that could potentially reduce rates by as much as 35% if you are eligible. A few of the larger companies and their possible discounts can be found below.

The information below illustrates the difference between auto insurance rates with and without discounts. The premiums are based on a female driver, a clean driving record, no claims, Florida state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, accident-free, passive restraint, homeowner, multiple policy, and safe-driver discounts applied. When these discounts are applied, the average savings per year on car insurance for a Dodge Ram is 15% or $207.

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The diagram below illustrates how choosing a deductible can impact insurance rates when trying to find cheap insurance for a Dodge Ram. The rate quotes are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

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As shown above, a 30-year-old driver could lower their car insurance rates by $478 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $722 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could shave as much as $1,016 or more by choosing a larger deductible amount. When increasing deductibles, it will be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Tips for buying economical insurance for a Dodge Ram

The list below summarizes a few penny-pinching ideas that can help Florida drivers locate cheaper car insurance.

• Frequent claims may make car insurance unaffordable
• Buy your auto and home insurance from the same company and save
• Drive vehicles with five-star safety ratings
• Drive safely
• Drive attentively and avoid accidents
• Shop around for lower rates once a year

That last piece of advice is notably valuable, as was pointed out in the article above. Prices can be adjusted at any time, so drivers shouldn’t be resistant to switch carriers if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that faithfulness ends up costing you thousands of dollars over the life of your policy. In less than five minutes you could compare prices and find cheaper auto insurance for a Dodge Ram.

Is the best company Geico, State Farm, Progressive, or Allstate?

If you are shopping around for car insurance, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. They all have the same basic coverages, but each one has a slightly different mix of options and features that add value to each policy. The data below shows some of the different options and features you can expect with each one.

Cheapest Dodge Ram insurance quotes

Drivers have many ways to get cheap car insurance quotes in Florida, but the most preferred are through an independent agent, a captive (or exclusive) agency like Auto-Owners or State Farm, or from a direct company like Progressive.

They all follow the same basic process, but each is different in how they price policies.

Independent insurance agencies have contracts with multiple insurance companies and can quote your policy with each one. Independent agents are not restricted to one company and can compare multiple rates, which may provide you with a better chance of saving money. If the agent locates a cheaper price, your agent can just switch to a different company which makes it simple for you.

Exclusive agents are only able to write with a single insurance company, a couple examples are Allstate or Farmers Insurance agents. They usually cannot compare rates from other companies, so if the price isn’t competitive there isn’t much they can do.

Drivers who opt to buy car insurance direct forego an exlusive or independent agent and buy direct from companies such as Geico or Esurance. Buying direct is good for drivers who have an average risk profile and have a good understanding of what specific coverages they need.

So which method is best for finding the cheapest insurance for a Dodge Ram in Florida? Most drivers assume that buying from a direct car insurance company results in the best prices since there is no middleman, but in reality, that is not the case. An argument could also be made that using an independent agent guarantees the lowest rates due to having more companies to select from, but that idea is not necessarily true either. In many cases, exclusive agents have very competitive rates that cannot be met by either independent or direct companies.

Because there are so many factors that make up car insurance rates, the best method to make sure you’re not overpaying for car insurance is to compare, compare, and compare some more. Smart shoppers will get price quotes all three ways in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.