Finding cheaper coverage for a Dodge Ram in California depends on a complicated formula that considers factors such as whether you are married or single, your credit history, and the level of deductible you choose. Drivers in California pay on average $1,282 annually to insure their Ram, but that price is an approximation calculated based on a 50-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
It's highly likely you may not be 50 years old (or even male), you might be single instead of married, or maybe you are just looking for cheap liability insurance. This example demonstrates why the only way to find affordable rates for your Dodge is to compare rates from as many companies as possible.
The trim level of your Dodge tends to impact the insurance rate, so the rate you pay to insure a Ram Quad Cab ST 2WD will be $266 less expensive the price to insure the more expensive 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||$216||$324||$480||$28||$144||$1,192||$99|
|Ram Quad Cab TRX4 Off Road 2WD||$244||$394||$480||$28||$144||$1,290||$108|
|Ram Quad Cab SLT 2WD||$244||$394||$480||$28||$144||$1,290||$108|
|Ram Crew Cab ST 2WD||$244||$394||$480||$28||$144||$1,290||$108|
|Ram Quad Cab ST 4WD||$244||$394||$480||$28||$144||$1,290||$108|
|Ram Crew Cab SLT 2WD||$244||$394||$480||$28||$144||$1,290||$108|
|Ram Crew Cab TRX 2WD||$244||$394||$480||$28||$144||$1,290||$108|
|Ram Quad Cab SLT 4WD||$244||$394||$480||$28||$144||$1,290||$108|
|Ram Crew Cab ST 4WD||$244||$394||$480||$28||$144||$1,290||$108|
|Ram Crew Cab Sport 2WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Quad Cab Sport 2WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Quad Cab TRX4 Off Road 4WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Crew Cab TRX 4WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Crew Cab SLT 4WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Quad Cab Laramie 2WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Crew Cab Laramie 2WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Crew Cab Sport 4WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Quad Cab Sport 4WD||$272||$464||$480||$28||$144||$1,388||$116|
|Ram Crew Cab Laramie 4WD||$272||$534||$480||$28||$144||$1,458||$122|
|Ram Quad Cab Laramie 4WD||$272||$534||$480||$28||$144||$1,458||$122|
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate quotes do not factor in specific location which can affect price quotes noticeably.
Finding reliable, cheap auto insurance is confusing at best, and finding out which companies have the cheapest auto insurance rates for a Dodge Ram takes even more rate comparisons. Every insurance company uses their own method to set premium rates, so let's begin by taking a look at the most competitive auto insurance companies in Santa Ana, CA.
It's a good idea to know that California auto insurance rates are impacted by many factors that may substantially change the cost of a policy. Taking a driver safety course, buying a different home, or getting caught speeding can trigger rate changes resulting in some companies being less affordable than competitors.
Best Cheap Insurance Rates for Your Ram Truck
|Rank||Company||Cost Per Year|
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USAA has some of the best car insurance rates in Santa Ana at around $1,143 per year. Century National, Wawanesa, Nationwide, and CSAA are also some of the most economical Santa Ana, CA car insurance companies.
As shown in the rates above, if you currently have a policy with CSAA and switched to Century National, you may see yearly savings of in the vicinity of $44. Policyholders with 21st Century could save as much as $176 a year, and Grange insureds might cut rates by $243 a year.
If you want to see how much you could save, click here or click several companies below for low rates.
Remember that these premium estimates are averages across all drivers and vehicles and are not factoring in a vehicle location for a Dodge Ram. So the auto insurance company that fits your situation best may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Cost difference between full coverage and liability
Saving money when shopping for auto insurance is important to most vehicle owners, and one of the quickest ways to find cheaper insurance for a Dodge Ram is to buy only liability coverage. The diagram below compares insurance rates with and without physical damage coverage. The prices are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Averaged for all ages 20 through 70, physical damage coverage costs an extra $2,534 per year over having just liability coverage. A very common question is when is the right time to remove full coverage. There is no written rule that works best for making the decision to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let's assume your vehicle's claim settlement value is $5,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $4,500 after paying your deductible. If you are paying more than $450 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
The example below shows how choosing a deductible can change annual premium costs when researching cheap insurance for a Dodge Ram. The price estimates are based on a single male driver, full coverage, and no discounts are applied.
The data above shows that a 40-year-old driver could cut expenses by $450 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $680 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, could drop their prices $1,466 each year just by choosing higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it's a good idea to have enough savings to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
The insurance agents in Santa Ana listed below can probably answer your questions and help you decide which coverages are best, since lots of drivers aren't clear which coverage they need and would like to have a professional recommendation when shopping around for cheaper insurance for a Ram pickup. It can be time-consuming to find the cheapest auto insurance company, so getting professional guidance from a licensed agent can provide you peace of mind knowing your policy gives you suitable coverage if you ever need to use it.
To find a Santa Ana insurance agency closest to you, click the button following the list.
- Quality Plus Insurance Agency
1450 N Tustin Ave # 221 - Santa Ana, CA 92705 - (714) 245-1200
- Allstate Insurance: Octavio R E Pina
1926 S Main St - Santa Ana, CA 92707 - (714) 444-3022
- Everett Callahan Insurance Agency, Inc
1913 17th St - Santa Ana, CA 92705 - (714) 246-8976
- Farmers Insurance - Juan Chavez
207 N Main St - Santa Ana, CA 92701 - (714) 202-0092
- Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033
How to find the cheapest car insurance for a Dodge Ram
Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help drivers quote cheaper coverage.
- Staying accident-free helps keep rates low
- Having too many claims will increase rates substantially
- Higher comprehensive and collision coverage deductibles will save money
- Do not pay for full coverage on older vehicles
- Tickets and violations raise rates
- Shop around and save
The final tip is highly necessary, as was pointed out in the prior information. Insurance rates in Santa Ana can be modified anytime, so don't be unwilling to buy a different policy if a lower-cost policy is available. Having brand loyalty is commendable, but it's not recommended if that devotion results in you overpaying a lot of money every month. It only takes a couple minutes to shop around and find cheaper insurance for a Dodge Ram.