Cheap Insurance Quotes for a Dodge Ram in Virginia

Whether or not you can find cheaper insurance for a Dodge Ram in Virginia depends on a lot of things like the age of the Ram, if you have a coverage lapse, and any past driving violations you may have had. Drivers on average pay approximately $900 each year for Ram insurance, but that figure is an estimate based on rate data for a 50-year-old married female who needs both comprehensive and collision coverage and $100 physical damage deductibles.

Odds are that you aren’t exactly 50 years old or even a female, single instead of married, and maybe your credit level is not the same as what was rated. Have just a small change in price quote data can make a big difference in quoted rates.

This demonstrates why the best way to find the most affordable coverage for your Dodge is to make a habit of comparing prices at least once a year. Quotes are always free and you can get prices from top-rated companies that insure vehicles in Virginia.

Cheapest Dodge Ram Insurance Rates

Your vehicle’s trim level tends to have a direct effect on the cost of insurance, so the cost to insure a Ram Quad Cab ST 2WD trim level will be $222 less than the cost to insure the higher-priced Ram Quad Cab Laramie 4WD model, as demonstrated by the prices below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can lower or raise insurance rates significantly.

Picking a highly-rated car insurance company can be difficult considering how many choices drivers have in Virginia. The company information below can help you decide which car insurance providers you want to consider when comparing auto insurance rates for a Dodge Ram. The rankings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that have a smaller presence are not included in this list.

Discounts on cheap insurance for a Dodge Ram in Virginia

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheapest-insurance-dodge-ram-va.jpg" alt="Cheaper Virginia auto insurance for a Ram pickup” />Insurance companies that offer cheap quotes for a Dodge Ram may additionally offer special discounts that could lower prices by 25% or more if you qualify for them. Larger auto insurance companies and some of their more popular discounts are outlined below.

The illustration below illustrates the difference between insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, safe-driver, marriage, passive restraint, homeowner, and multiple policy discounts applied. In this example, the average savings per year on auto insurance for a Dodge Ram is % or $.

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Which major car insurance company is best?

If you want the best insurance for a Ram pickup, the most popular companies are Progressive, Geico, Allstate, and State Farm. Combined they have about half of all car insurance policies written. All four can cover your vehicle for liability and physical damage, but each one has different options that may influence your buying decision. The data below compares price, claims, and customer service ratings, as well as some optional coverages you can expect with each one.

Best cheap Dodge Ram insurance quotes

There are a variety of different ways to quote and buy auto insurance in Virginia, but the most popular ways are using an independent or non-exclusive agent, an exlusive agent such as State Farm or Liberty Mutual, or direct either online or via phone.

Each way has the same basic process, but buyers need to know the differences in how they provide price quotes.

Independent insurance agencies write for multiple companies and can get rate quotes from every one. Independent agents can sell policies from many different companies and can give you a larger rate selection, which may give you a better chance of saving money. If a cheaper rate is found, the agent simply finds a different carrier which makes it simple for you.

A captive or exclusive agent is able to place business with one insurance company, two of the more popular are Allstate or State Farm agents. Exclusive agents cannot provide prices from multiple companies, so you will not be able to compare other companys’ rates.

The last way is buying direct, which means you forego either of the other two types of agents and instead buy direct either online or via phone. Shopping direct may be good for drivers who have little risk and have knowledge of the limitations of their policy.

Which method works best for finding cheap insurance for a Dodge Ram in Virginia? The quick answer would be buying from a direct car insurance company saves the most money because there is no agent taking a commission, but that turns out to not be true. An argument could also be made that buying from an independent agent guarantees the cheapest rates because they can quote many companies, but again, that’s not accurate. For the right applicant, exclusive agents have really good rates that cannot be beaten by either independent or direct companies.

Due to the large number of rating factors, the guaranteed way to get the lowest rate is to obtain price quotes and compare them. If you want to save money, get price quotes from all three to give yourself enough choices. For a list of companies offering online discounts, click here to view.

How to find cheaper car insurance for a Dodge Ram

It is possible to find better rates, and here are many thrifty solutions that can help Virginia drivers get low-cost coverage.

• Avoid accidents and claims
• Drive safely
• If possible, pay for small claims out-of-pocket
• Higher credit scores may earn you cheaper rates
• Safer vehicles generally have cheaper insurance rates
• Compare prices frequently to find the best deal

The last suggestion is particularly necessary, as we stressed in the article above. Auto insurance prices can be changed at any time, so drivers shouldn’t hesitate to switch to a new company if you can find a cheaper rate.

Staying with the same company for years is fine, but it’s not a good idea if that dedication is costing potentially thousands of dollars a year. Now is a great time to shop around and find cheaper insurance for a Dodge Ram.