Cheapest Insurance for a Dodge Ram in Montana

Your ability to find cheaper coverage for a Dodge Ram in Montana is dependent upon a lot of rating criteria such as how safe your vehicle is, your geographic location, and any past driving violations you may have had. Drivers on average pay around $1,970 each year to buy insurance for a Dodge Ram, but that amount is rating a 40-year-old single female driver that has both comprehensive and collision coverage and $1,000 deductibles.

There is a high likelihood that you are not 40 and possibly not even female, maybe you are married instead of single, or maybe you’ve had an at-fault accident or two. Insurance is an individual thing, so the most reliable way to find affordable rates for your Dodge is to shop your policy around every couple of years.

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The trim level of your Ram impacts price, so the cost to insure a Ram Quad Cab ST 2WD trim level will be $356 lower than the cost to insure the higher-priced Ram Quad Cab Laramie 4WD version, as shown in the table below.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can modify premiums substantially.

Finding dependable, affordable auto insurance is not easy, and determining which companies have the most affordable insurance rates for a Dodge Ram may require even more work. Every insurance company has their own formula to determine premium rates, so let’s rank the lowest cost insurance companies in Montana.

We do need to point out that Montana insurance rates are based on many factors that may substantially change the price you pay. Simply having a birthday, getting divorced, or getting a couple of tickets can produce rate changes resulting in some companies being more affordable than competitors.

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Safeco offers some of the most affordable car insurance rates in Montana at around $828 annually. Progressive, USAA, State Farm, and MetLife would also be considered some of the cheaper Montana insurance companies.

In this example, if you buy coverage from State Farm and switched to Progressive, you might achieve an annual savings of roughly $107. Drivers with MetLife may save as much as $189 a year, and National Farmers Union policyholders might realize rate reductions of up to $253 a year.

To discover how much you can save, click here to get quotes or quote prices from the following companies.

It’s important to note that these prices are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a specific rating modification for a Dodge Ram. So the company that is most affordable for your situation may not even be featured in the company chart above. That’s why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Irresponsible driving raises your rates

The ideal way to score the best insurance prices for a Ram pickup is to be a safe driver and avoid tickets and accidents. The diagram below shows how speeding tickets and accident claims can drive up premium costs for each different age group. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

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The data charted above shows the average cost of auto insurance in Montana per year with no violations or accidents is $2,656. Get two speeding tickets and the average cost surges to $3,772, an increase of $1,116 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of insurance for a Dodge Ram goes up to an average of $4,914. That’s an increase of $2,259, or $188 per month, just for not being attentive to the road!

How to find cheaper insurance for a Dodge Ram

The list below shows some of the better money-saving ideas that can help Montana drivers locate the cheapest auto insurance.

• Avoid getting tickets or violations
• Buy vehicles with five-star safety ratings
• Pay for smaller claims out-of-pocket
• Remain accident-free and save
• Bundle car and home insurance and save money
• Compare quotes from other companies often

The last suggestion is certainly vital, as we noted in this write-up. Coverage prices can change significantly in a year, so drivers shouldn’t be reluctant to switch companies if you can find a cheaper rate. Staying with the same car insurance company is fine, but we do not recommend it if that loyalty ends up costing a wad of cash every year. Now is a great time to shop around to find cheaper car insurance for a Dodge Ram.