Who Has Cheap Insurance for a Dodge Ram in Iowa?

When talking about car insurance, the word “cheap” should not appear anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Dodge Ram can be difficult to find. But fear not, because we will tell you how you can still find and buy insurance that is cheaper than your current policy.

Your ability to find the cheapest coverage for a Dodge Ram in Iowa is contingent on an enormous amount of factors like whether you are married or single, if you are a frequent claim filer, and any prior driving citations you have received. Iowa drivers pay an average rate of $890 annually to insure a Ram, but that amount is an estimation based on a 40-year-old married male that includes full coverage and $250 physical damage deductibles.

It’s more than likely you’re not a 40-year-old male, single instead of married, and you may just want the cheapest liability coverage you can find. Every driver has a different risk profile, so the most reliable method for finding affordable rates for your Dodge is to do a thorough rate comparison. Do a quick rate comparison now and you will get price quotes from some of the most affordable companies that offer coverage in Iowa.

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The specific trim level will most likely have an effect on the annual cost of coverage, so the cost to insure a Ram Quad Cab ST 2WD trim level will be $204 less than the insurance cost for the more costly Ram Quad Cab Laramie 4WD model, as shown below.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can affect rates noticeably.

Finding cost effective auto insurance is hard enough, and deciding which companies quote the cheapest car insurance rates for a Dodge Ram involves even more perseverance. Each auto insurer uses their own formula to determine rates, so let’s begin by examining the car insurance companies with the overall cheapest rates in Iowa.

Keep in mind that Iowa car insurance rates are based on many factors which can significantly increase or decrease the cost of coverage. Price variation is why Iowa drivers need to compare many different companies when trying to find the lowest auto insurance rates for a Dodge Ram. Rates are impacted by many factors and can change without notice, so the most economical option three years ago may now be costing you a lot of money.

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USAA may offer some of the best car insurance rates in Iowa at around $669 annually. Partners Mutual, Allied, Western National, and State Farm also are some of the lowest-priced Iowa insurance companies.

In the above rates, if you currently have coverage with Western National and switched to USAA, you might realize an annual premium reduction of in the neighborhood of $116. Iowa drivers with State Farm could save as much as $231 a year, and Hastings Mutual policyholders might lower prices by $238 a year.

To discover how much you can save, click here to get quotes or visit several of the following companies.

Understand that those premiums are averages across all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Dodge Ram. So the car insurance company that can offer you the best price may not even be featured in the list of companies shown earlier. That’s why you need to get quotes using your own specific driver information and vehicle.

Impact of careless driving on Iowa car insurance rates

The best way to obtain good car insurance rates in Iowa for a Ram pickup is to be a good driver and have a clean driving record. The information below shows how speeding tickets and fender-benders can influence insurance costs for each age group. The data assumes a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2539,2763,3407],[‘Age 30’, 1765,1993,2633],[‘Age 40’, 1637,1861,2503],[‘Age 50’, 1431,1659,2301],[‘Age 60’, 1381,1613,2249],[‘Age 70’, 1607,1835,2473]]);var options = {title: ‘Impact of Tickets and Claims on Iowa Dodge Ram Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in Iowa’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of an auto insurance policy in Iowa per year with no accidents and a clean driving record is $1,727. Get written up for one speeding ticket and the average cost swells to $1,954, an increase of $227 each year. Now throw in one accident along with the one speeding ticket and the annual cost of car insurance for a Dodge Ram goes up to an average of $2,594. That’s an increase of $868, or $72 per month, just for being a less-than-perfect driver!

The example below illustrates how choosing a deductible can change annual premium costs when getting quotes for cheap insurance for a Dodge Ram. The price estimates are based on a single female driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2765,2539,2285,2047],[‘Age 30’, 1933,1765,1573,1387],[‘Age 40’, 1789,1637,1463,1297],[‘Age 50’, 1563,1431,1279,1133],[‘Age 60’, 1509,1381,1237,1097],[‘Age 70’, 1751,1607,1447,1293]]);var options = {title: ‘Effect of Higher Deductibles on Dodge Ram Insurance Rates in Iowa’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram’,minValue: 0,format: ‘$###,###’},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);}

The data above shows that a 50-year-old driver could save $284 a year by changing from a $100 deductible to a $500 deductible, or save $430 by using a $1,000 deductible. Younger drivers, like the Age 20 category, could shave $718 or more just by using higher deductibles. If you do decide to increase your deductibles, it is a good idea to have additional funds squirreled away to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

How to find cheaper insurance for a Dodge Ram

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help you get cheaper auto insurance.

• Save money by insuring older vehicles for liability only
• Do not get tickets
• Increase the comprehensive and collision deductibles on your policy
• Avoid preventable accidents
• If possible, do not file small claims
• Comparison shop frequently

The last item on the list is very necessary, as we emphasized in this write-up. Prices charged by companies in Iowa can change considerably in a year, so you should be ready to change to a new company if you find a better deal. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if your bullheadedness ends up costing you money that could be going to better use. If you have a few minutes, compare rates to find cheaper insurance for a Dodge Ram.