Dodge Ram 2500 Insurance Rates in Santa Ana

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Insurance quote for Dodge Ram 2500 in Santa AnaWe don't have to point out that fact that auto insurance companies don't want you to look at other companies. People who do rate comparisons will presumably buy a different policy because there is a good probability of finding a more affordable policy. A survey found that drivers who regularly shopped around saved an average of $865 annually compared to people who never shopped around for cheaper prices.

If finding the best rates on car insurance is the reason you're reading this, then understanding how to quote prices and compare auto insurance can make the process less intimidating.

Really, the only way to get discount Dodge Ram 2500 insurance in Santa Ana is to compare prices regularly from insurers in California. You can compare rates by following these steps.

  1. It will benefit you to learn about how car insurance works and the steps you can take to keep rates in check. Many rating factors that drive up the price like traffic tickets, fender benders, and a poor credit score can be amended by making small lifestyle or driving habit changes.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while independent agents can provide rate quotes from multiple companies.
  3. Compare the new rates to your current policy and determine if there is any savings. If you find a lower rate, make sure there is no coverage gap between policies.
  4. Notify your current company of your intention to cancel your current auto insurance policy. Submit a down payment along with a completed application for the new coverage. Immediately place the new certificate of insurance above your visor, in the console, or in the glove compartment.

A key point to remember is to use similar limits and deductibles on every price quote and and to get price quotes from as many companies as you can. Doing this helps ensure a level playing field and a complete rate analysis.

When comparison shopping, there are several ways of comparing price quotes from different companies. The best method to find the cheapest Dodge Ram 2500 insurance rates is to use the internet to compare rates. When comparing car insurance rates, know that comparing all the rates in your area helps you find a lower rate.

The car insurance companies shown below offer quotes in Santa Ana, CA. If more than one company is shown, we recommend you get price quotes from several of them to get the lowest price.

Slash rates with these discounts on Dodge Ram 2500 insurance in Santa Ana

Car insurance is not cheap, but there's a good chance there are discounts that could drop your premiums quite a bit. A few discounts will be applied at the time you complete a quote, but once in a while a discount must be specially asked for prior to receiving the credit.Discount insurance

  • Good Student Discount - This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Life Insurance - If the company offers life insurance, you could get a lower price if you buy some life insurance too.
  • Defensive Driver Discounts - Successfully completing a course teaching defensive driver skills could save 5% or more depending on where you live.
  • Accident Waiver - Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
  • Low Mileage Discounts - Low annual miles could earn lower premium rates on the low mileage vehicles.
  • Cautious Drivers - Drivers who avoid accidents can save as much as half off their rates than their less cautious counterparts.
  • Membership in Organizations - Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates on insurance.
  • No Claim Discounts - Santa Ana drivers who stay claim-free pay less as opposed to insureds who have frequent claims or accidents.
  • Anti-theft Discount - Cars, trucks, and SUVs equipped with anti-theft or alarm systems prevent vehicle theft and can earn a small discount on your policy.
  • Paperwork-free - Many insurance companies give back up to $50 shop Santa Ana auto insurance over the internet.

Don't be surprised that some credits don't apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think it's possible to get free car insurance, it just doesn't work that way. But any discount will definitely reduce your policy premiums.

The chart below compares Dodge Ram 2500 insurance rates with and without some available policy discounts. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-car, and multi-policy discounts applied.

A list of companies and their possible discounts are included below.

  • State Farm discounts include safe vehicle, Drive Safe & Save, student away at school, good driver, defensive driving training, and good student.
  • Progressive offers premium reductions for continuous coverage, online signing, homeowner, multi-policy, multi-vehicle, and online quote discount.
  • Progressive includes discounts for multi-policy, multi-vehicle, online signing, continuous coverage, and homeowner.
  • MetLife offers discounts for multi-policy, good driver, claim-free, defensive driver, accident-free, good student
  • Farm Bureau may offer discounts for driver training, multi-vehicle, 55 and retired, youthful driver, multi-policy, safe driver, and good student.
  • GEICO may include discounts for anti-lock brakes, federal employee, good student, air bags, multi-policy, and seat belt use.
  • SAFECO has discounts for anti-lock brakes, homeowner, safe driver, anti-theft, and teen safety rewards.

When getting a coverage quote, ask each insurance company which credits you are entitled to. All car insurance discounts may not apply to policyholders in every state. To locate insurers with discount rates in California, follow this link.

Dodge Ram 2500 insurance analysis

The price information below showcases different rate quotes for Dodge Ram 2500 models. Being more informed about how insurance prices are formulated can be valuable when making smart choices when purchasing an insurance policy.

Dodge Ram 2500 Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 2500 Crew Cab ST 2WD $204 $418 $564 $34 $168 $1,388 $116
Ram 2500 Crew Cab SLT 2WD $204 $482 $564 $34 $168 $1,452 $121
Ram 2500 Mega Cab SLT 2WD $204 $482 $564 $34 $168 $1,452 $121
Ram 2500 Crew Cab Laramie 2WD $204 $482 $564 $34 $168 $1,452 $121
Ram 2500 Crew Cab ST 2WD $204 $482 $564 $34 $168 $1,452 $121
Ram 2500 Mega Cab Laramie 2WD $204 $482 $564 $34 $168 $1,452 $121
Ram 2500 Crew Cab ST 4WD $228 $418 $564 $34 $168 $1,412 $118
Ram 2500 Crew Cab SLT 2WD $228 $482 $564 $34 $168 $1,476 $123
Ram 2500 Mega Cab SLT 2WD $228 $482 $564 $34 $168 $1,476 $123
Ram 2500 Mega Cab SLT 4WD $228 $418 $564 $34 $168 $1,412 $118
Ram 2500 Crew Cab SLT 4WD $228 $418 $564 $34 $168 $1,412 $118
Ram 2500 Crew Cab Laramie 2WD $228 $544 $564 $34 $168 $1,538 $128
Ram 2500 Mega Cab Laramie 2WD $228 $544 $564 $34 $168 $1,538 $128
Ram 2500 Crew Cab ST 4WD $228 $418 $564 $34 $168 $1,412 $118
Ram 2500 Mega Cab Laramie 4WD $228 $418 $564 $34 $168 $1,412 $118
Ram 2500 Crew Cab Laramie 4WD $228 $418 $564 $34 $168 $1,412 $118
Ram 2500 Mega Cab SLT 4WD $252 $482 $564 $34 $168 $1,500 $125
Ram 2500 Crew Cab SLT 4WD $252 $482 $564 $34 $168 $1,500 $125
Ram 2500 Crew Cab Laramie 4WD $252 $482 $564 $34 $168 $1,500 $125
Ram 2500 Mega Cab Laramie 4WD $252 $482 $564 $34 $168 $1,500 $125
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in specific garaging location which can revise coverage prices significantly.

Careless driving habits raise insurance rates

The illustration below illustrates how speeding tickets and at-fault fender-benders can drive up Dodge Ram 2500 insurance costs for different age groups. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Gender-based insurance rates by age

The example below shows the difference between Dodge Ram 2500 insurance costs for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.

Does it make sense to buy full coverage?

The information below visualizes the comparison of Dodge Ram 2500 insurance prices when comparing full coverage to state minimum liability only. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive guideline for dropping comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's pretend your Dodge Ram 2500 claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If you are paying over $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping full coverage is not recommended. If you haven't satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Local Santa Ana car insurance agents

Some people just prefer to buy from a licensed agent and doing that can be a smart decision A good thing about price shopping on the web is the fact that drivers can get the lowest rates and still have a local agent. And supporting local insurance agencies is important especially in Santa Ana.

After filling out this quick form, your insurance coverage information is transmitted to participating agents in Santa Ana who will give competitive quotes and help you find cheaper coverage. You never need to find an agent on your own because quoted prices will be sent to you. You'll get the best rates without a big time investment. If you have a need to compare rates from one company in particular, you just need to visit that company's website and fill out their quote form.

Choose an insurance agent wisely

When finding a reliable insurance agent, you need to know there are two different types of agencies and how they are slightly different. Insurance agents in Santa Ana can be classified as either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

Agents that choose to be independent do not work for one specific company and that gives them the ability to insure with an assortment of companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you can keep the same agent. If you are comparing rate quotes, it's recommended you get quotes from at least one independent agent so that you have a good selection of quotes to compare. They often place coverage with less well-known companies that may have much lower rates than larger companies.

Below is a small list of independent insurance agencies in Santa Ana that may be able to give free price quotes.

    1700 E Garry Ave #206 - Santa Ana, CA 92705 - (949) 660-8800 - View Map
  • Ayala's Insurance
    2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map
  • Mural Insurance Agency
    1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003 - View Map

View more Santa Ana agents

Exclusive Agencies

Agents that elect to be exclusive can usually just insure with one company and examples are American Family, State Farm, and AAA. They are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agents receive extensive training in insurance sales and that allows them to sell at a higher price point. Consumers sometimes use the same agent partially due to the brand rather than low rates.

Below are exclusive agencies in Santa Ana that can give you rate quotes.

View more Santa Ana agents

Picking an insurance agent should depend on more than just the price. Any agent in Santa Ana should have no problem answering these questions:

  • Who is covered by the car insurance policy?
  • Can glass repairs be made at your home?
  • Do they make recommendations based only on price?
  • If they are an independent agency in Santa Ana, which companies do they recommend?
  • What is the agency's Better Business Bureau rating?
  • Does the agent have a valid license to sell insurance in California?

When in doubt talk to an agent

Always keep in mind that when comparing coverage online or from an agent, there really is not a best way to insure your cars. You are unique.Drive safe and save

For example, these questions can aid in determining whether your personal situation would benefit from an agent's advice.

  • Is my custom stereo system covered?
  • Does my liability insurance cover pulling a trailer or camper?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage when using my vehicle for my home business?
  • What does medical payments cover?
  • What is the difference between personal and commercial auto insurance policies?
  • Am I covered when using my vehicle for business?
  • Do I need more liability coverage?

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Educated Choices Result in Lower Insurance Rates

A large part of saving on car insurance is knowing a few of the rating criteria that play a part in calculating car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that can help you get big savings.

The factors shown below are a few of the "ingredients" utilized by car insurance companies to help set your premiums.

  • Older drivers pay less - Beginning drivers in California tend to be inattentive and easily distracted with other occupants in the car so car insurance rates are higher. Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and are generally more financially stable.

    The following chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Performance makes a difference - The performance of the vehicle you need insurance for makes a substantial difference in your rates. The cheapest insurance rates are usually found on low performance passenger vehicles, but there are many factors that impact the final cost.

    The chart below uses these variables: married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It illustrates Dodge Ram 2500 rates compared to other makes and models that have a range of performance risks.

  • Policy add-ons may be wasting money - Policies have extra coverages that sound like a good idea at the time if you don't pay attention. Coverages for personal injury protection, high-cost glass coverage, and membership fees could be just wasting money. They may sound like good ideas when discussing your needs, but now you might not need them so consider taking them off your policy.
  • Insurance rates in urban areas - Living in small towns and rural areas can be a good thing when buying car insurance. Fewer people translates into fewer accidents and lower theft and vandalism rates. People who live in big cities tend to have more traffic problems and a longer drive to work. More time on the road means more chance of being in an accident.
  • Can a thief steal your car? - Owning a car that has a built-in theft deterrent system can get you a discount on your car insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
  • Do you qualify for a multi-policy discount? - Most major companies will award lower prices to customers that buy multiple policies such as combining an auto and homeowners policy. Even if you qualify for this discount already, it's still a good idea to compare other Santa Ana Ram 2500 insurance rates to verify if the discount is saving money. You may still save money by buying from different companies
  • Premiums can be impacted by your job - Did you know your career choice can influence rates? Occupations like real estate brokers, social workers, and accountants are shown to have the highest rates due to high stress and long work days. On the other hand, jobs like professors, athletes and the unemployed have the lowest average rates.

Three reasons car insurance is important

Despite the high insurance cost for a Dodge Ram 2500 in Santa Ana, maintaining insurance is required for several reasons.

  • The majority of states have minimum liability requirements which means you are required to carry a minimum amount of liability protection if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Dodge has a lienholder, it's most likely the lender will make it mandatory that you buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Dodge at a much higher rate and require you to fork over much more than you were paying before.
  • Car insurance protects your Dodge and your assets. Insurance will pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance more than cancel out the cost, especially for larger claims. Today the average American driver is overpaying over $825 a year so it's recommended you shop around at every policy renewal to help ensure money is not being wasted.

You can lower your car insurance rates

While you're price shopping online, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

A few companies may not have online quoting and many times these regional carriers provide coverage only through independent agents. The cheapest Dodge Ram 2500 insurance in Santa Ana can be purchased online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates.

We just showed you a lot of techniques to get a better price on Dodge Ram 2500 insurance in Santa Ana. It's most important to understand that the more rate quotes you have, the higher your chance of finding affordable Santa Ana auto insurance quotes. Consumers could even find that the most savings is with a small local company.

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