Who Has Cheap Insurance for a Dodge Ram in Kansas?

When writing about shopping for car insurance, the word affordable really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. The fact is, cheap auto insurance for a Dodge Ram can be difficult to find. But fear not, because we are going to show you some ways you can still find auto insurance that is cheaper than what you have now.

Your odds of finding the best cheap auto insurance for a Dodge Ram in Kansas is contingent on a lot of rating criteria like age of the driver, if you have recent claims, and if you have a history of accidents. Kansas drivers pay an average rate of $1,040 each year for Ram insurance, but that price is based upon a 30-year-old single female that purchased full coverage and $1,000 policy deductibles.

There is a good probability you are not 30 years old and maybe not even female, possibly married instead of single, or maybe you do not need full coverage. Even a very minor difference in policy rating factors can lead to a big change in quoted rates.

Not everyone needs the same coverages, so the best way to find the cheapest rates for your Dodge is to do a thorough rate comparison.

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Your Dodge’s trim level tends to have a direct impact on the cost of insurance, so the rate you will pay to insure a Ram Quad Cab ST 2WD model will be $192 less than the insurance cost for the more costly Ram Quad Cab Laramie 4WD model, as shown in the prices below.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific Kansas garaging location which can modify price quotes noticeably.

Finding a good quality car insurance company can be difficult considering how many choices there are in Kansas. The company rank data shown next can help you analyze which coverage providers to look at when comparing rate quotes.

These ratings are only made up of companies that insure vehicles across America, so companies that focus mainly on Kansas business will not be included in the list. If you wish to compare rates from these top insurers and more, click here.

Rate comparison of full coverage and liability-only

Finding cheap insurance for a Dodge Ram in Kansas should be important to the majority of people, and one of the easiest ways to pay less for insurance is to not insure for full coverage. The information below shows the comparison of insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving citations, $100 deductibles, drivers are single, and no other discounts are factored in.

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Averaged for all ages 20 through 70, full coverage costs an additional $2,095 per year over liability only. That is a big expense that brings up the question if you should buy full coverage. There isn’t a steadfast formula to drop full coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s settlement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $9,500 after paying the physical damage deductible. If it’s costing in excess of $950 a year to have full coverage, then it may be the right time to buy liability only.

The diagram below shows how choosing a deductible can increase or decrease insurance premiums when getting quotes for cheap insurance for a Dodge Ram. The information is based on a single female driver, full physical damage coverage, and no discounts are applied.

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A 40-year-old driver could lower their car insurance rates by $326 a year by switching from a $100 deductible to a $500 deductible, or save $492 by using a $1,000 deductible. Youthful drivers, like the age 20 example, could drop their prices $828 or more by choosing larger deductibles on their policy.

When using a larger deductible, it will now be necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.