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

We always joke that when we write about car insurance, the words “affordable” or “cheap” should never be used as a descriptor for car insurance rates. It’s a simple fact that cheap auto insurance for a Dodge Ram is just plain contradictory. Don’t let that spoil your day, because we will show you how you can quote and buy auto insurance that is affordable.

The odds of finding the best cheap coverage for a Dodge Ram in Rhode Island is dependent upon a complex equation that considers factors like if you own your home, where your vehicle is garaged, and violations on your driving record. Drivers in Rhode Island pay an average rate of $1,620 a year to insure a Ram, but that policy rate is a ballpark figure based on rates for a 40-year-old married female with full physical damage coverage and $100 policy deductibles.

If we were betting, you are not 40 and possibly not even female, maybe you are single instead of married, or maybe you want different physical damage deductibles. Changing even a minor factor in rating factors may result in significant differences in rates.

Everyone has different rating factors, so the best way to find the cheapest insurance price for your Dodge is to comparison shop your policy at each renewal. Comparing quotes is easy and you will be able to compare rates from the best auto insurance companies that insure Dodge vehicles in Rhode Island.

Insure Your Dodge for Less

The specific trim level will influence the annual cost of coverage, so the price you will pay to insure a Ram Quad Cab ST 2WD trim level will be $408 less expensive the cost to insure the more well-appointed Ram Quad Cab Laramie 4WD trim level, as shown in the prices below.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Information does not factor in Rhode Island location which can alter coverage rates considerably.

Trying to find budget insurance is easier said than done, and figuring out which companies offer the best auto insurance rates for a Dodge Ram calls for even more rate comparisons. Every insurance company has a proprietary formula for determining rates in each state, so let’s take a look at the most affordable auto insurance companies in Rhode Island.

Best Cheap Insurance Rates for Your Ram Truck

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USAA may offer some of the lowest car insurance rates in Rhode Island at around $726 a year. State Farm, Travelers, Amica, and Progressive also make the cut as some of the more affordable Rhode Island auto insurance companies.

As depicted above, if you are a customer of State Farm and switched to USAA, you could realize a yearly savings of approxmiately $380. Drivers with Travelers may save as much as $533 a year, and Amica policyholders might reduce rates by $741 a year.

Be aware that those premium estimates are averaged across all drivers and vehicles in Rhode Island and are not factoring in a specific rate factor for a Dodge Ram. So the auto insurance company that can offer you the lowest price may not even be shown in the company chart above. That point stresses why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Types of discounts on Rhode Island insurance rates

Insurers that provide the cheapest insurance for a Dodge Ram in Rhode Island may also offer special discounts that can lower rates by as much as 35% if you are eligible. The best auto insurance companies and some of the discounts can be read below.

The information below visualizes the comparison of car insurance costs with and without discounts applied to the premium. The data is based on a female driver, no tickets, no at-fault accidents, Rhode Island state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, passive restraint, safe-driver, multiple vehicle, marriage, and anti-theft discounts applied. When these discounts are applied to the policy premium, the the amount saved on auto insurance for a Dodge Ram is 42% or $687.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3127,2241],[‘Age 30’, 2101,1515],[‘Age 40’, 1969,1421],[‘Age 50’, 1719,1243],[‘Age 60’, 1667,1201],[‘Age 70’, 1969,1417]]);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: [‘#c096ca’, ‘#e1b7ec’],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);}

Low rates can quickly become overpriced

Rhode Island auto insurance rates are based on many factors which can significantly increase or decrease the price you have to pay. Simply turning a year older, moving across town, or getting a driving violation may prompt premium changes resulting in some rates now being cheaper than others.

And not only may your rating factors change, but auto insurance companies change rates every year or even multiple times each year to ensure their profitability. Higher than usual claims can result in high rates, while lower claim expenses may produce cheaper Ram insurance rates.

For example, the bar chart below shows the cheapest car insurance in Rhode Island for a 40-year-old male driver with a clean driving record, no accidents, and excellent credit. When comparing rates based on his personal risk profile, USAA may offer the most affordable car insurance rates in Rhode Island at $726 annually. This is $1,353 less than the average price paid by Rhode Island drivers of $2,079. State Farm, Travelers, Amica, and Progressive are the remainder of the cheapest Rhode Island auto insurance companies.

google.charts.setOnLoadCallback(drawRIWitcqcibChart);function drawRIWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 726, ‘#09836F’],[‘State Farm’, 1106, ‘#076D5C’],[‘Travelers’, 1259, ‘#055A4C’],[‘Amica’, 1452, ‘#044B3F’],[‘Progressive’, 1484, ‘#033E34’]]);var options = {title: ‘Best Cheap Auto Insurance for a Dodge Ram’,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:1584,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(‘qcibwitc’));chart.draw(view, options);}

In the next rate comparison, we’ll give the driver from the above example an accident surcharge, a lower credit rating, and a speeding ticket. Since each insurance company has a different process for filing rates in each state, getting updated rate quotes could result in a different ranking of companies as shown below.

google.charts.setOnLoadCallback(drawRIWcqcibChart);function drawRIWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 1589, ‘#F58700’],[‘State Farm’, 1659, ‘#CC7000’],[‘Peerless’, 1944.8, ‘#AA5D00’],[‘Travelers’, 2014.4, ‘#8D4D00’],[‘Progressive’, 2226, ‘#754000’]]);var options = {title: ‘Car Insurance Rates with Claims and Violations’,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:2326,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);}

USAA now has the cheapest rate in Rhode Island with State Farm, Peerless, Travelers, and Progressive also being competitive. This example shows why drivers need to perform an extensive rate comparison to find affordable car insurance rates for a Dodge Ram. Car insurance prices are made up of many risk factors and can change without notice, so the best company the last time you shopped your coverage around may now be priced much higher than other options.

How to find low-cost insurance for a Dodge Ram

The list below summarizes some of the recommended penny-pinching suggestions that can help drivers find cheap car insurance.

• Safer vehicles generally have cheaper insurance rates
• Avoid filing excessive claims
• Increase deductibles to save money
• Good credit can help you save money
• Full coverage is expensive so only insure older vehicles for liability only
• Bundle home and auto and earn a discount
• Shop your coverage around for the best deal

That last tip is very vital, as was noted in this write-up. Insurance rates in Rhode Island can change in a short period of time, so don’t hesitate to switch to a new company if a cheaper rate is available.

Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty ends up costing hundreds of dollars year after year. Take a few minutes and compare rates to find cheaper insurance for a Dodge Ram.