Sadly, nearly 70% of consumers renewed their policy with the same company for a minimum of four years, and about 40% of consumers have never compared car insurance rates at all. Henderson drivers can cut their rates by almost 35% a year just by shopping around, but they don't know how much money they would save if they changed companies.
To save the most money, the best way to get more affordable Dodge Ram insurance is to make a habit of comparing prices annually from companies that insure vehicles in Henderson. Prices can be compared by completing these steps.
Step 1: Spend a few minutes and learn about policy coverages and the things you can change to lower rates. Many factors that are responsible for high rates like careless driving and an unacceptable credit history can be eliminated by making minor changes in your lifestyle. Later in this article we will cover more information to prevent high rates and get bigger discounts.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while independent agencies can provide prices from multiple insurance companies.
Step 3: Compare the new rate quotes to your current policy premium and determine if cheaper Ram coverage is available. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Give notification to your current company of your decision to cancel your existing policy and submit a completed application and payment for your new coverage. As soon as you receive it, keep the new proof of insurance certificate with the vehicle registration.
One piece of advice is to use identical deductibles and limits on every quote request and and to look at as many companies as you can. This helps ensure an apples-to-apples comparison and a complete rate analysis.
Finding the cheapest coverage in Henderson is quite easy. If you have insurance now, you will definitely be able to cut your premiums using these tips. You just need to learn the quickest method to compare price quotes using one simple form.
Earn discounts to get lower-cost Henderson auto insurance quotes
The price of auto insurance can be rather high, but you may be missing some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at quote time, but some need to be asked about prior to getting the savings.
- Telematics Data - Insureds who allow driving data submission to monitor where and when they drive by using a telematics device such as Progressive's Snapshot may see discounts if they show good driving skills.
- Multi-line Discount - Select companies reward you with a discounted premium rate on car insurance if you buy life insurance from them.
- Seat Belt Usage - Drivers who require all occupants to buckle their seat belts can save up to 15% off PIP or medical payments premium.
- Passive Restraint Discount - Factory air bags or automatic seat belts may get savings of more than 20%.
- Drive Less and Save - Maintaining low annual mileage may enable drivers to earn better auto insurance rates on cars that stay parked.
- Drive Safe and Save - Safe drivers could pay up to 40% less than drivers with accident claims.
- No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to insureds who have frequent claims or accidents.
- Driver's Education for Students - Require your teen driver to enroll in driver's education if it's offered in school.
As is typical with insurance, some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, it just doesn't work that way. But all discounts will bring down your policy premium.
The diagram below illustrates the comparison of Dodge Ram car insurance costs with and without discounts. The data assumes a female driver, no violations or accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, multi-policy, and marriage discounts applied.
To find companies that can offer you the previously mentioned discounts in Nevada, click this link.
Compare Dodge Ram insurance rates
Getting a more affordable price on insurance can be relatively painless. The only requirement is to take a couple of minutes getting comparison quotes online with multiple companies.
Getting rate quotes online is very simple and it takes the place of having to actually drive to all the different Henderson insurance agencies. Quoting and buying Dodge Ram insurance online reduces the need to sit down with an agent unless you want the trained advice that can only be provided by a licensed insurance agent. It is possible to compare online quotes and get advice from an agent in your area.
The providers in the list below can provide free quotes in Nevada. If multiple companies are listed, it's highly recommended you visit as many as you can in order to get a fair rate comparison.
Rates and information analytics
The premium information displayed below highlights estimates of policy rates for Dodge Ram models. Understanding how insurance policy premiums are calculated can assist in making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$142||$234||$452||$26||$136||$990||$83|
|Ram Quad Cab TRX4 Off Road 2WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Quad Cab SLT 2WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Crew Cab ST 2WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Quad Cab ST 4WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Crew Cab SLT 2WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Crew Cab TRX 2WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Quad Cab SLT 4WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Crew Cab ST 4WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Crew Cab Sport 2WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Quad Cab Sport 2WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Quad Cab TRX4 Off Road 4WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Crew Cab TRX 4WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Crew Cab SLT 4WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Quad Cab Laramie 2WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Crew Cab Laramie 2WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Crew Cab Sport 4WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Quad Cab Sport 4WD||$178||$336||$452||$26||$136||$1,128||$94|
|Ram Crew Cab Laramie 4WD||$178||$386||$452||$26||$136||$1,178||$98|
|Ram Quad Cab Laramie 4WD||$178||$386||$452||$26||$136||$1,178||$98|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in vehicle garaging location which can revise prices substantially.
The illustration below illustrates how your choice of deductibles and can affect Dodge Ram annual premium costs for different insured age categories. The data is based on a married male driver, full coverage, and no discounts are taken into consideration.
Men versus women drivers and insurance cost
The chart below compares Dodge Ram car insurance costs for male and female drivers. The information is based on no claims or driving violations, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
Comparison of full coverage and liability-only policies
The information below illustrates the comparison of Dodge Ram insurance prices with full coverage compared to only the Nevada minimum liability coverage. The information is based on no claims, a clean driving record, $1,000 deductibles, single marital status, and no discounts are factored in.
When to drop comprehensive and collision
There isn't a steadfast formula that works best for making the decision to drop full coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.
For example, let's pretend your Dodge Ram replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying your policy deductible. If it's costing you more than $400 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.
There are some circumstances where removing full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage.
When buying coverage, there isn't really a one-size-fits-all type of policy. Your needs are not the same as everyone else's.
Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.
- Can I pay claims out-of-pocket if I buy high deductibles?
- Where can I get insurance after a DUI in Nevada?
- Am I covered if I hit a deer?
- Am I covered when driving on a suspended license?
- Does my insurance cover a custom paint job?
- What is roadside assistance coverage?
- Is there coverage for injuries to my pets?
If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.
When should I have guidance from an insurance agent?
Many people still like to have an agent's advice and that can be a smart move Professional agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of comparing rate quotes online is that you can find the lowest rates and also buy local.
To find an agent, once you fill out this quick form, your insurance data is immediately sent to local insurance agents in Henderson that can provide free Henderson car insurance quotes to get your business. There is no need to drive around because prices are sent to you directly. If you have a need to get a rate quote from a particular provider, you would need to jump over to their website and submit a quote form there.
Choosing an provider requires more thought than just a cheap price. Below are some questions you should ask.
- Who is covered by the car insurance policy?
- Does the company have a solid financial rating?
- Is the agency covered by Errors and Omissions coverage?
- Do the agents have professional certifications like CPCU or CIC?
- Is there a 24/7 contact number?
- What companies can they write with?
- Do they get extra compensation for selling add-on coverages?
- Where would glass claims be handled in Henderson?
Two types of Henderson car insurance agents
If you are wanting to purchase auto insurance from a reputable agency, it can be helpful to understand the types of insurance agents and how they can service your needs differently. Auto insurance agencies can be described as either independent or exclusive. Both types can insure your vehicles properly, but it's important to point out how they are different because it may have an impact on your selection of an agent.
Exclusive agencies are contracted to one company and examples are Farmers Insurance or State Farm. These agents are not able to provide other company's prices so it's a take it or leave it situation. Exclusive insurance agents are well schooled on their products and sales techniques which aids in selling service over price.
The following is a short list of exclusive agents in Henderson who may provide you with comparison quotes.
Independent Agents (or Brokers)
Agents in the independent channel are appointed with more than one company so they can quote policies amongst many companies and find the cheapest auto insurance rates. If prices rise, the business is moved internally and you stay with the same agent.
When searching for an agent, it's recommended you include price quotes from independent agents to get the best comparison.
Shown below are Henderson independent insurance agents that are able to give price quotes.
2736 Marie Antoinette St - Henderson, NV 89044 - (866) 694-9046 - View Map
Avenue Insurance Agency
1258 Rising Cloud Cir - Henderson, NV 89052 - (702) 933-3289 - View Map
More quotes mean more car insurance savings
Insureds change insurance companies for many reasons like denial of a claim, policy non-renewal, not issuing a premium refund or questionable increases in premium. Regardless of your reason, finding a great new company can be easier than you think.
Cheap Dodge Ram insurance in Henderson is definitely available online in addition to many Henderson insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies may not offer online rate quotes and many times these regional carriers work with independent agents.
We just presented quite a bit of information on how to reduce Dodge Ram insurance premium rates online in Henderson. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the best price on car insurance is with the smaller companies.
To learn more, take a look at the following helpful articles:
- Teen Driver Licensing Information (iihs.org)
- Who Has Cheap Henderson Auto Insurance Quotes for a Ford Explorer? (FAQ)
- Who Has Affordable Henderson Auto Insurance for a Ford Fusion? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- How to Avoid Common Accidents (State Farm)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Collision Insurance Coverage (Nationwide)