Cheap Insurance for a Dodge Ram in New Hampshire

Because the topic is car insurance, the word “cheap” should never be used anywhere in the article to describe car insurance rates. Unfortunately, cheap car insurance for a Dodge Ram is just plain contradictory. But don’t despair, because we are going to show you some ways you can get insurance that you can afford.

Your chances of buying cheap coverage for a Dodge Ram in New Hampshire hinges on a lot of factors such as the number of years you have been driving, if you have recent claims, and physical damage deductibles. Drivers on average pay approximately $990 a year to buy Dodge Ram insurance, but that price is a projection based on rates for a 50-year-old single male driver that purchased both comprehensive and collision coverage and $100 deductibles.

But there is a high probability that you’re not a 50-year-old male, maybe you are married instead of single, and there is a good chance that other rated drivers impact the rate. Everone’s needs are different, and this illustrates why your best chance at finding the cheapest insurance price for your Dodge is to put in the effort to do a thorough rate comparison.

Click Here to Start Your Quote

Vehicle trim level impacts the yearly cost, so the price to insure a Ram Quad Cab ST 2WD will cost $248 less than the cost to insure the fancier Ram Quad Cab Laramie 4WD trim level, as shown in the table below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific garaging location which can modify prices considerably.

Deciding which insurers offer the cheapest insurance rates for a Dodge Ram calls for a bit more effort than just getting one or two price quotes. Every insurance provider has a different formula to set premium rates, so let’s rank the most competitive insurance companies in New Hampshire.

We do need to point out that New Hampshire insurance rates are based on many factors that may substantially change the cost of a policy. Turning one year older, becoming a homeowner, or having an at-fault accident can trigger rate changes resulting in some rates now being affordable when they were higher priced.

Best Cheap Insurance Rates for Your Ram Truck

Compare Rates Now

Concord has some of the cheapest car insurance rates in New Hampshire at around $691 annually. Travelers, Patriot, USAA, and Vermont Mutual also are some of the cheaper New Hampshire car insurance companies.

As depicted above, if you currently have coverage with Travelers and switched to Concord, you might achieve yearly savings of in the neighborhood of $25. Insureds with Patriot might save as much as $105 a year, and USAA insureds might reduce prices by as much as $163 a year.

To find out how much you can save, click here to start your custom quote or feel free to get quotes from the companies below.

Bear in mind that those premiums are averaged for all ages of drivers and types of vehicles and are not factoring in a specific rate factor for a Dodge Ram. So the insurer that can offer you the best price may not even be in the rate chart shown above. That points out the importance of why you need to get car insurance quotes using your own personal information and vehicle type.

Full coverage rates vs. liability-only

Finding cheap insurance for a Dodge Ram in New Hampshire is important to most vehicle owners, and one of the fastest ways to buy cheap insurance is to only buy liability insurance. The diagram below illustrates the difference between insurance rates with full phyical damage coverage and with liability coverage only. The prices are based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2447,957],[‘Age 30’, 1281,529],[‘Age 40’, 1253,491],[‘Age 50’, 1147,459],[‘Age 60’, 1111,451],[‘Age 70’, 1375,601]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in New Hampshire’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, physical damage coverage costs an additional $1,436 per year more than just buying liability only. That raises the question if full coverage is worth the money. There is no clear-cut rule for excluding full coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

Types of discounts on New Hampshire car insurance

Insurers that offer cheap insurance for a Dodge Ram in New Hampshire may also give you policy discounts that can reduce rates by as much as 25% or more if you meet specific criteria. A few of the larger companies and some of their more popular discounts can be read below.

• 21st Century may include discounts for teen driver, theft prevention, anti-lock brakes, good student, driver training, student driver, and defensive driver.
• Progressive may offer discounts for online signing, multi-policy, good student, homeowner, multi-vehicle, and continuous coverage.
• State Farm has discounts for Drive Safe & Save, good driver, defensive driving training, safe vehicle, and good student.
• Nationwide may have discounts that include anti-theft, Farm Bureau membership, business or organization, family plan, multi-policy, and accident-free.
• Esurance has savings for homeowner, good driver, paid-in-full, good student, online quote, defensive driver, and multi-policy.
• The Hartford offers premium reductions for air bag, driver training, defensive driver, vehicle fuel type, good student, and anti-theft.

The diagram below shows the comparison of insurance prices with and without discounts applied. Data assumes a male driver, no violations or claims, New Hampshire state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, vehicle safety, anti-theft, marriage, homeowner, and defensive driving course discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Dodge Ram is 27% or $478.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2967,2137],[‘Age 30’, 1557,1133],[‘Age 40’, 1533,1117],[‘Age 50’, 1395,1015],[‘Age 60’, 1347,981],[‘Age 70’, 1633,1181]]);var options = {title: ‘Comparison of Insurance Rates 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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in New Hampshire’,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);}

How to find cheap insurance for a Dodge Ram in New Hampshire

Here are some penny-pinching ideas that can help New Hampshire drivers locate lower-cost car insurance.

• Good credit scores may make rates cheaper
• Avoid preventable accidents
• Safer vehicles cost less to insure
• If your vehicles are older, consider dropping full coverage
• Tickets and violations raise rates
• Raise comprehensive and collision coverage deductibles
• Compare rates once a year for cheaper prices

That final tip is certainly vital, as was emphasized in this piece. Coverage prices adjust frequently, so drivers shouldn’t be resistant to buy a different policy if a more affordable rate is found.

Staying with the same company for years is fine, but it’s not a great idea if that faithfulness ends up costing you big bucks every year. Now is a great time to shop around and find cheaper auto insurance for a Dodge Ram.

Cheap Dodge Ram insurance quotes

Thanks to technology, there are a lot of ways to get cheap insurance quotes in New Hampshire, but the most frequently used are either through a non-exclusive or independent agent, an exclusive insurance agent like State Farm or Auto-Owners, or from a direct company like Geico or Progressive.

Each way is similar, but insurance buyers need to understand the differences in how they function.

Independent agencies can place your business with multiple companies and can get policy pricing from all of them. Independent agents can give you a larger rate selection, which may provide you with better odds of saving money. If you want to switch companies, they simply switch companies in-house which prevents you from having to switch agents.

An exclusive ageny is usually restricted to just one company, a couple examples are a State Farm or Farmers agent. These agents are unable to provide a range of price quotes, so it’s a good idea to shop around.

Choosing to buy insurance direct means you forego an exlusive or independent agent and instead shop buying direct from a company like Progressive or Esurance. Buying insurance direct can be a good choice for people who do not have a complex risk profile and have some degree of understanding of what coverages they need.

So which method is best for finding cheap insurance for a Dodge Ram in New Hampshire? It would be obvious to point out buying from a direct car insurance company results in the best prices since there is no middleman, but that does not always hold true. And we’d like to say buying from an independent agent is the best way because they can quote many companies, but that is not accurate either. For some people, exclusive agencies have extremely competitive rates that are the lowest in New Hampshire.

Because there are so many factors that make up insurance rates, the best way to get rock-bottom rates is to get quotes and compare the rates. If you have the time, get prices from all three to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.