Cheap Insurance Quotes for a Dodge Ram in Mississippi

Your ability to find the cheapest coverage for a Dodge Ram in Mississippi relies on a complex rating formula that takes into consideration things such as your age, if you have ever had a coverage lapse, and driving violations and tickets. Drivers in Mississippi on average pay approximately $1,210 each year to insure a Ram, but that amount is an estimate calculated based on a 50-year-old single female with both comprehensive and collision coverage and $250 deductibles.

Chances are that rate is not what you would pay, because most likely you are not 50 and maybe not even a female, you might be married instead of single, and maybe your Ram is older and does not require full coverage. Have just a small change in input factors can induce significant differences in the cost of insuring your Ram.

This example demonstrates why the most reliable method for finding the cheapest rates for your Dodge is to put in the effort and compare rates. Rate quotes are easy and you can get rates from some of the best insurers that insure vehicles in Mississippi.

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Your vehicle’s trim level will have an impact the annual cost of coverage, so the rate you pay to insure a Ram Quad Cab ST 2WD model will cost $276 less than the insurance cost for the higher-priced Ram Quad Cab Laramie 4WD model, as shown by the rates below.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Mississippi minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific zip code location which can revise auto insurance rates greatly.

Choosing the highest-rated insurer can be difficult considering how many choices there are in Mississippi. The ranking data in the next section can help you analyze which coverage providers you want to consider when comparing rate quotes. The rankings below are for companies who write in the majority of U.S. states, so companies with more of a regional focus are not included in this list.

Top 10 Major Auto Insurers in Mississippi Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top Companies for Dodge Ram Insurance in Mississippi

Discounts on cheap insurance for a Dodge Ram in Mississippi

Car insurance companies that provide policies for a Dodge Ram may also give you premium discounts that can reduce rates by 35% or more if you meet certain criteria. A list of companies and some of the discounts are detailed below.

• GEICO may include discounts for driver training, anti-lock brakes, defensive driver, emergency military deployment, multi-policy, and anti-theft.
• USAA may offer discounts for driver training, family discount, multi-policy, multi-vehicle, defensive driver, safe driver, and military installation.
• Progressive may have discounts that include online signing, homeowner, good student, multi-vehicle, and multi-policy.
• American Family offers premium reductions for defensive driver, early bird, mySafetyValet, good student, and TimeAway discount.
• Esurance policyholders can earn discounts including renters, good student, Switch & Save, online shopper, multi-car, claim free, and anti-theft.
• Farmers Insurance discounts include multi-car, distant student, bundle discounts, homeowner, and teen driver.
• State Farm offers discounts including accident-free, Steer Clear safe driver discount, anti-theft, good student, and passive restraint.

The chart below visualizes the comparison of annual premium costs with and without some available policy discounts. The costs are based on a female driver, no violations or accidents, Mississippi state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, homeowner, multiple policy, claim-free, multiple vehicle, and marriage discounts applied. When discounts are factored in, the the average amount saved on car insurance for a Dodge Ram is 28% or $463.

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The diagram below shows how choosing a deductible can impact annual premium costs when searching for cheap insurance for a Dodge Ram. The prices are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2825,2583,2307,2039],[‘Age 30’, 1983,1809,1605,1409],[‘Age 40’, 1957,1787,1591,1403],[‘Age 50’, 1715,1569,1399,1237],[‘Age 60’, 1635,1495,1331,1175],[‘Age 70’, 1751,1599,1431,1273]]);var options = {title: ‘Effect of Deductibles on Dodge Ram Insurance Rates in Mississippi’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 50-year-old driver could save $316 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $478 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could possibly save $786 each year by choosing a larger deductible amount. If you do raise deductibles, it will be necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Which auto insurance company is best?

If you are looking for the best insurance for a Ram pickup, four companies to consider are Geico, Progressive, State Farm, and Allstate. The table below compares some of the ratings and options that are available.