Best Cheap Insurance Quotes for a Dodge Ram in California

When we talk about car insurance, the word cheap should never be used anywhere to describe car insurance rates. Nonetheless, cheap car insurance for a Dodge Ram can be hard to find. We’ll try to make it up to you, because we will tell you how you can quote coverage that is cheaper than what you have now.

Buying cheaper auto insurance for a Dodge Ram in California is contingent on a complicated equation that takes into consideration things such as the number of years you have been licensed, if you have ever let your coverage lapse, and whether or not you are a good driver. Drivers on average will pay $1,900 each year for Ram insurance, but that rate is an estimation using rate data for a 30-year-old single male driver with both comprehensive and collision coverage and $250 policy deductibles.

But there is a good chance that you may not be 30 years old (or even male), married instead of single, or maybe you want more liability coverage than is required by law in California. Having different needs demonstrates why the most reliable way to find the cheapest insurance price for your Dodge is to compare rates from as many companies as possible. Rate quotes are easy and you will get price quotes from top-rated car insurance companies that insure vehicles in California.

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The trim level of your Dodge will have an impact the yearly cost, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $408 less than the insurance cost for the higher-priced Ram Quad Cab Laramie 4WD trim level, as shown in the prices below.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in garaging location in California which can revise insurance rates greatly.

Finding reliable, low-cost auto insurance is not the easiest thing to accomplish, and determining which company offers the best insurance rates for a Dodge Ram will involve even more diligence. Each insurance company has their own unique process for determining rates in each state, so let’s take a look at the most affordable insurance companies in California.

It’s important to know that California insurance rates are impacted by many things that control the cost of having a policy. That is why it is crucial to compare many different companies when trying to get cheap car insurance quotes for a Dodge Ram. Car insurance prices are calculated by many factors and can change without notice, so the most economical company three years ago may now be costing you a lot of money.

Best Insurance Companies for Your Ram Truck

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USAA has some of the cheapest car insurance rates in California at around $1,109 a year. Century National, Wawanesa, CSAA, and Nationwide would also make the list of some of the more affordable California car insurance companies.

In the above example, if you buy coverage from CSAA and switched to Century National, you might realize yearly savings of in the neighborhood of $56. Customers with Nationwide could save as much as $72 a year, and 21st Century customers might realize rate reductions of up to $147 a year.

These premiums are averaged for all types of insureds and vehicles and and are not figured with a specific rate factor for a Dodge Ram. So the insurer that fits your situation best may not even be shown in the above rate chart. That affirms the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.

How careless driving impacts insurance rates

The easiest way to snag cheap insurance prices in California for a Ram pickup is to drive cautiously and not get tickets or have accidents. The diagram below demonstrates how citations and accident claims can drive up car insurance rates for each age group. Data assumes a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

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In the example above, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,734. Get one speeding ticket and the average cost surges to $3,141, an increase of $406 each year. Next add one accident along with the one speeding ticket and the annual cost of insurance for a Dodge Ram increases to an average of $4,275. That’s an increase of $1,541, or $128 per month, just for not being attentive to the road!

Progressive, State Farm, Geico, or Allstate: Who is best?

If you’re looking for the cheapest car insurance, the companies that insure more vehicles than anyone else are Progressive, State Farm, Geico, and Allstate. When combined, they insure almost 50% of the car insurance market in the United States. All four offer physical damage and liability coverage, but each has slightly different coverage options that may affect your buying decision. The following table compares pricing and service ratings, as well as optional policy coverages that may be available in your state.

Who has the cheapest Dodge Ram insurance quotes?

Drivers have many ways to find cheaper insurance in California, but the most common ways are from an independent or non-exclusive agent, an exclusive insurance agent like Allstate or Auto-Owners, or buying direct from a company like Progressive or Geico.

All three ways can provide insurance quotes, but shoppers should understand the differences in how they function.

Independent insurance agencies work with multiple companies and can do rate comparisons with each one. Agents of this type are not employed by only one company and can provide you with more rates, which may provide you with better odds of saving money. If prices rise, an independent agent can move your coverage and you stay with the same agent.

An agent who is captive is ‘exlusive’ to one company, for example an Allstate or Liberty Mutual agent. Exclusive agents normally do not have the ability to provide rate quotes from other companies, so keep that in mind.

The third popular method of shopping for insurance is direct, which means you bypass local insurance agents and instead shop from a direct company like Progressive or Geico. Buying insurance direct can be a good choice for consumers who do not need advice for risk management and have a good understanding of what coverages they need.

So out of those three methods, which one works best to buy the best cheap insurance for a Dodge Ram in California? We wish we could say buying direct saves the most money since that prevents the need to pay agent commissions, but that turns out to not be true. We’d also like to say buying insurance from an independent agent guarantees the cheapest rates since they have access to many companies, but that is not necessarily true either. For some people, the exclusive agents may have prices well below independent agents AND direct companies.

Since insurance companies use so many rating factors, the one way to buy the cheapest coverage is to compare, compare, and compare some more. In a perfect world, youll get rate quotes from independent agents, exclusive agents, and direct companies to have enough rates to compare. For a list of insurance companies with low rates, click here to view.