Buying the cheapest coverage for a Dodge Ram is pretty simple, but it depends on a lot of factors such as how long your commute is, the condition of your credit, and any prior driving citations you have received. Nevada drivers pay approximately $1,428 a year to insure their Ram, but that amount is an estimation using a 30-year-old single female driver with full coverage and $250 deductibles.
When projecting a rate like this, the problem is that you may not be 30 years old (or even female), you might be married instead of single, or you just prefer to insure for liability only. Even a slight difference in policy rating criteria or coverages can result in a large change in the amount insurance costs for a Dodge Ram.
Every driver’s needs are different, and that is why the best method for finding the cheapest rates for your Dodge is to do your own rate comparisons.
Vehicle trim level will most likely have an effect on the coverage cost, so the price to insure a Ram Quad Cab ST 2WD trim level will be $332 lower than the insurance cost for the more well-appointed Ram Quad Cab Laramie 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$264||$406||$470||$28||$140||$1,308||$109|
|Ram Quad Cab TRX4 Off Road 2WD||$298||$494||$470||$28||$140||$1,430||$119|
|Ram Quad Cab SLT 2WD||$298||$494||$470||$28||$140||$1,430||$119|
|Ram Crew Cab ST 2WD||$298||$494||$470||$28||$140||$1,430||$119|
|Ram Quad Cab ST 4WD||$298||$494||$470||$28||$140||$1,430||$119|
|Ram Crew Cab SLT 2WD||$298||$494||$470||$28||$140||$1,430||$119|
|Ram Crew Cab TRX 2WD||$298||$494||$470||$28||$140||$1,430||$119|
|Ram Quad Cab SLT 4WD||$298||$494||$470||$28||$140||$1,430||$119|
|Ram Crew Cab ST 4WD||$298||$494||$470||$28||$140||$1,430||$119|
|Ram Crew Cab Sport 2WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Quad Cab Sport 2WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Quad Cab TRX4 Off Road 4WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Crew Cab TRX 4WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Crew Cab SLT 4WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Quad Cab Laramie 2WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Crew Cab Laramie 2WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Crew Cab Sport 4WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Quad Cab Sport 4WD||$332||$582||$470||$28||$140||$1,552||$129|
|Ram Crew Cab Laramie 4WD||$332||$670||$470||$28||$140||$1,640||$137|
|Ram Quad Cab Laramie 4WD||$332||$670||$470||$28||$140||$1,640||$137|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle garaging location which can lower or raise rates greatly.
Picking the best auto insurance provider can be challenging considering how many choices there are in Henderson. The company information listed below may help you analyze which auto insurance companies you want to consider when comparing rates. These rankings include companies that insure vehicles across America, so companies that focus mainly on Nevada business will not be included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Impact of citations and accidents on Henderson insurance rates
In a perfect world, the ideal way to maintain cheap insurance rates in Henderson for a Ram pickup is to drive cautiously and avoid traffic citations and accidents. The chart below highlights how speeding tickets and accident claims can increase annual premium costs for different age groups. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,900. Get written up for one speeding ticket and the average cost hikes up to $2,142, an increase of $241 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for a Dodge Ram goes up to an average of $2,807. That’s an increase of $907, or $76 per month, just for not keeping your driving record clean!
Cost comparison with and without full coverage
Reducing premiums for insurance should be important to the majority of vehicle owners, and one of the fastest ways to buy cheaper insurance for a Dodge Ram is to not pay for full coverage. The example below illustrates the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.
As an overall average, comp and collision coverage costs an additional $2,252 per year over liability only. A very common question is if it’s a good idea to buy full coverage. There is no written rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
How to find low-cost auto insurance for a Dodge Ram
It is possible to find better rates, and here are many penny-pinching ideas that can help drivers locate more affordable car insurance.
- Keep your driving record clean
- Avoid preventable accidents
- Pay less by remaining claim-free
- Higher deductibles save money
- On older vehicles, drop full coverage
- Shop around for cheaper rates regularly
The last idea is certainly crucial, as was affirmed in this write-up. Car insurance rates can change in a short period of time, so don’t be afraid to switch carriers if a cheaper price is available. Sticking with a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you hundreds every year. In less than five minutes you could compare rates to find cheaper insurance for a Dodge Ram in Henderson.
The Henderson, NV, insurance agents below can help you determine which coverage meets your needs best, since some drivers aren’t sure which coverage they need and prefer to get some help when trying to find the best insurance rates for a Ram pickup. It can be complicated to find the best coverage yourself, so professional agents can bring comfort knowing your policy gives you suitable coverage if you ever need to use it. To locate a Henderson car insurance agency close to where you live, click the button following the list or click here to compare price quotes now.
Martha Pailes – State Farm Insurance Agent
613 N Stephanie St – Henderson, NV 89014 – (702) 451-0123
Centurion Insurance Services
1399 Galleria Dr #201 – Henderson, NV 89014 – (702) 871-0001
Carol Drake – State Farm Insurance Agent
1913 N Green Valley Pkwy – Henderson, NV 89074 – (702) 361-0300