How long have you put off shopping around for lower-priced Dodge Ram insurance in Dallas? Beginners to price shopping insurance online will discover buying the cheapest Dodge Ram insurance in Dallas is more work than they anticipated.
Smart shoppers know that car insurance companies don’t want policyholders to shop around. Drivers who shop around at least once a year will presumably switch companies because they stand a good chance of finding a cheaper policy. A recent survey discovered that drivers who compared rate quotes regularly saved on average $3,400 over four years compared to other drivers who don’t regularly compare prices.
If finding the cheapest rates on Dodge Ram insurance in Dallas is why you’re here, then having some insight into how to quote and compare cheaper coverage can help you succeed in saving money.
To find cheaper prices, there are a couple of ways to get quotes from all the different companies. The easiest way to find cheaper Dodge Ram rates is to get quotes online. Just remember that obtaining a wide range of quotes helps you find more affordable rates. Not every company provides Dallas Ram insurance quotes online, so it’s important to also get price quotes on coverage from those companies, too.
The providers in the list below offer free rate quotes in Texas. If several companies are displayed, we suggest you visit as many as you can in order to get a fair rate comparison.
Discounts mean cheaper rates for Dodge Ram insurance in Dallas
Companies don’t always publicize all possible discounts very clearly, so the list below contains some of the best known as well as the least known discounts that may be available.
- Save with More Vehicles Insured – Buying coverage for multiple cars or trucks with the same company can get a discount for every vehicle.
- No Accidents – Insureds with no claims or accidents get the best car insurance rates when compared to frequent claim filers.
- Include Life Insurance and Save – Larger insurance companies have lower rates if you buy a life policy as well.
- Senior Discount – Seniors are able to get a small decrease in premiums.
- Payment Method – By paying your entire bill at once rather than paying in monthly installments you may have a lower total premium amount.
We need to note that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will reduce the premium cost.
The chart below shows the difference between Dodge Ram insurance rates with and without discounts applied to the premium. The rates are based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, safe-driver, homeowner, and multi-policy discounts applied.
The best car insurance companies and the discounts they provide can be read below.
- American Family may include discounts for good driver, mySafetyValet, TimeAway discount, early bird, and bundled insurance.
- Nationwide may offer discounts for Farm Bureau membership, family plan, defensive driving, multi-policy, accident-free, and good student.
- MetLife policyholders can earn discounts including accident-free, multi-policy, claim-free, good student, good driver, and defensive driver.
- 21st Century has discounts for air bags, anti-lock brakes, homeowners, early bird, theft prevention, driver training, and defensive driver.
- Farmers Insurance may have discounts that include pay in full, teen driver, mature driver, switch companies, distant student, youthful driver, and homeowner.
- Allstate offers discounts for senior citizen, anti-lock brakes, eSmart discount, premier plus, passive restraint, new car, and defensive driver.
Before purchasing a policy, check with every company how you can save money. Depending on the company, some discounts may not be available in your area. To view companies that offer the discounts shown above in Texas, follow this link.
Rates and data analysis
The coverage table displayed below outlines different policy rates for Dodge Ram models. Learning a little about how insurance prices are figured is important to be able to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $314 | $550 | $560 | $34 | $168 | $1,626 | $136 |
| Ram Quad Cab TRX4 Off Road 2WD | $356 | $670 | $560 | $34 | $168 | $1,788 | $149 |
| Ram Quad Cab SLT 2WD | $356 | $670 | $560 | $34 | $168 | $1,788 | $149 |
| Ram Crew Cab ST 2WD | $356 | $670 | $560 | $34 | $168 | $1,788 | $149 |
| Ram Quad Cab ST 4WD | $356 | $670 | $560 | $34 | $168 | $1,788 | $149 |
| Ram Crew Cab SLT 2WD | $356 | $670 | $560 | $34 | $168 | $1,788 | $149 |
| Ram Crew Cab TRX 2WD | $356 | $670 | $560 | $34 | $168 | $1,788 | $149 |
| Ram Quad Cab SLT 4WD | $356 | $670 | $560 | $34 | $168 | $1,788 | $149 |
| Ram Crew Cab ST 4WD | $356 | $670 | $560 | $34 | $168 | $1,788 | $149 |
| Ram Crew Cab Sport 2WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Quad Cab Sport 2WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Quad Cab TRX4 Off Road 4WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Crew Cab TRX 4WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Crew Cab SLT 4WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Quad Cab Laramie 2WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Crew Cab Laramie 2WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Crew Cab Sport 4WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Quad Cab Sport 4WD | $396 | $788 | $560 | $34 | $168 | $1,946 | $162 |
| Ram Crew Cab Laramie 4WD | $396 | $908 | $560 | $34 | $168 | $2,066 | $172 |
| Ram Quad Cab Laramie 4WD | $396 | $908 | $560 | $34 | $168 | $2,066 | $172 |
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in zip code location which can change premium rates considerably.