Cheap Insurance for a Dodge Ram in Washington

When writing about car insurance, the words “cheap” or “affordable” should never be used anywhere in the article as a descriptor for car insurance rates. Be that as it may, cheap auto insurance for a Dodge Ram is not always easy to find. But don’t despair, because there may be ways you can still get car insurance that may not be cheap, but it is affordable.

Finding affordable car insurance for a Dodge Ram in Washington depends on lots of different rating factors like age of the vehicle, if you have ever had a gap in coverage, and violations on your driving record. Drivers will pay around $1,130 annually to insure a Dodge Ram, but that rate is an estimation based on cost data for a 50-year-old single male driver who requires full coverage and $250 physical damage deductibles.

There is a good possibility you are not 50 and possibly not even male, you might be married instead of single, and there is a good chance that there are other drivers on your policy. There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding cheap car insurance rates for your Dodge is to quote often and with as many companies as possible.

Compare Rates and Save

The trim level of your Ram tends to impact the annual cost of coverage, so the rate you pay to insure a Ram Quad Cab ST 2WD trim level will cost $262 less than the cost to insure the more well-appointed Ram Quad Cab Laramie 4WD trim level, as shown by the rates below.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in vehicle garaging location which can alter price quotes substantially.

Buying coverage from the highest-rated auto insurance provider is hard considering how many different insurance companies sell coverage in Washington. The ranking data in the lists below could help you choose which auto insurance companies you want to consider purchasing a policy from. The ratings below are for companies with a national presence, so companies that focus mainly on Washington business will not be included in this list.

Impact of citations and accidents on Washington insurance rates

One of the best ways to obtain low insurance premiums in Washington for a Ram pickup is to be a careful driver and avoid accidents and traffic violations. The diagram below shows how speeding tickets and at-fault fender-benders can affect insurance premiums for each different age group. The data is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

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In the example above, the average cost of car insurance in Washington per year with a clean driving record and no accidents is $1,476. Receive one speeding ticket and the average cost rises to $1,720, an increase of $244 each year. Now add one accident along with the one speeding ticket and the 12-month cost of insurance for a Dodge Ram goes up to an average of $2,397. That’s an increase of $921, or $77 per month, just for not driving responsibly!

Who has the cheapest Dodge Ram insurance quotes?

You have many ways to find cheap insurance in Washington, but the most preferred methods are from a non-exclusive or independent agent, a captive (or exclusive) agent like Liberty Mutual or Allstate, or buying direct from a company like Progressive or Geico.

You can use whichever method you prefer, but it’s good to know the differences in how they provide rate quotes.

Independent agents can place your business with multiple companies and can get policy pricing from each one. Independent agents can quote with many companies and provide you with more rate quotes, which may give you a better chance of finding cheaper coverage. If your agent finds better pricing, your agent can just switch to a different company without having to get a different agent.

An agent who is captive is usually just provide rates from one insurance company such as a State Farm or Allstate agent. These agents usually cannot provide multiple price quotes, so it’s a good idea to get additional price quotes.

Direct insurance buyers bypass local insurance agents and instead shop buying direct from a company like Geico or Progressive. This insurance option can be a good choice for people who do not need risk management and have a decent understanding of how insurance works.

So which way is best to buy cheap insurance for a Dodge Ram in Washington? The obvious answer would be buying from a direct car insurance company results in the cheapest price since there is no need to pay agent commissions, but unfortunately, that is not always true. A valid argument could also be made that going through an independent agent is the best way to save because they can shop around, but again, it’s not necessarily true. And often times, exclusive agents have very competitive rates that independents and direct companies can’t touch.

Since insurance prices are based on many different factors, really the best method to buy the cheapest policy is to do a thorough rate comparison. If you want to save money, get rate quotes from all three to give yourself the best selection. To see some of the cheapest online companies available, click here to view.

How to find cheaper auto insurance for a Dodge Ram

The list below details a few thrifty suggestions that can help you find the cheapest car insurance.

• Drive a car with a high safety rating
• Raise comprehensive and collision coverage deductibles
• Save money by obeying traffic laws and keeping a clean driving record
• Avoid accidents
• Increase your credit rating
• Remove physical damage coverage on older vehicles
• Compare rates once a year for cheaper prices

The last item on the list is notably necessary, as was pointed out in the article above. Auto insurance prices can change in a short period of time, so don’t hesitate to buy a policy from a new company if you can save money. Staying with the same car insurance company is fine, but it’s not a good idea if that devotedness results in you overpaying money that could be used for better things. Now is a great time to compare prices and find cheaper car insurance for a Dodge Ram.