Buying the best cheap insurance for a Dodge Ram in California hinges on a very complex rating algorithm that uses multiple factors such as how safe your vehicle is, if you have prior claims, and your motor vehicle report. California drivers will pay around $1,652 a year for Ram insurance, but that is an estimation using a 40-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
It’s more than likely you are not 40 years old and maybe not even male, possibly married instead of single, and maybe you want different deductibles. Have just a small change in the criteria used to calculate rates may result in significant differences in policy price.
Auto insurance is not the same for everyone, so the best method for finding the cheapest coverage for your Dodge is to put in the effort to do a thorough rate comparison.
Your Dodge’s trim level can impact the coverage cost, so the cost to insure a Ram Quad Cab ST 2WD model will be $356 less than the cost to insure the high end Ram Quad Cab Laramie 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$272||$438||$604||$36||$180||$1,530||$128|
|Ram Quad Cab TRX4 Off Road 2WD||$306||$534||$604||$36||$180||$1,660||$138|
|Ram Quad Cab SLT 2WD||$306||$534||$604||$36||$180||$1,660||$138|
|Ram Crew Cab ST 2WD||$306||$534||$604||$36||$180||$1,660||$138|
|Ram Quad Cab ST 4WD||$306||$534||$604||$36||$180||$1,660||$138|
|Ram Crew Cab SLT 2WD||$306||$534||$604||$36||$180||$1,660||$138|
|Ram Crew Cab TRX 2WD||$306||$534||$604||$36||$180||$1,660||$138|
|Ram Quad Cab SLT 4WD||$306||$534||$604||$36||$180||$1,660||$138|
|Ram Crew Cab ST 4WD||$306||$534||$604||$36||$180||$1,660||$138|
|Ram Crew Cab Sport 2WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Quad Cab Sport 2WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Quad Cab TRX4 Off Road 4WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Crew Cab TRX 4WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Crew Cab SLT 4WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Quad Cab Laramie 2WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Crew Cab Laramie 2WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Crew Cab Sport 4WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Quad Cab Sport 4WD||$342||$628||$604||$36||$180||$1,790||$149|
|Ram Crew Cab Laramie 4WD||$342||$724||$604||$36||$180||$1,886||$157|
|Ram Quad Cab Laramie 4WD||$342||$724||$604||$36||$180||$1,886||$157|
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in vehicle location which can affect insurance rates considerably.
Picking the top insurance provider can be rather challenging considering how many different insurance companies sell coverage in Los Angeles. The information shown next could help you pick which car insurance companies you want to consider when comparing rate quotes.
These rankings only include large nationwide companies, so companies with more of a regional focus are not factored into this list. If you wish to compare prices from these and other competitive companies, click here.
Top 10 Large Car Insurance Companies in Los Angeles Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Large Car Insurance Companies in Los Angeles Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Cost difference between full coverage and liability
Saving money when shopping for auto insurance should be important to most vehicle owners, and one common way to pay less for insurance for a Dodge Ram is to buy liability only. The information below shows the comparison of insurance costs with liability coverage only compared to full coverage. The data is based on no violations or claims, $100 deductibles, single status, and no discounts are factored in.
If averaged for all ages, physical damage coverage on your policy costs $3,217 per year over having just liability coverage. That is a big expense that brings up the question if full coverage is worth the money. There isn’t a written rule to stop buying comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
There are some circumstances where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full 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 totaled, you should keep full coverage.
The diagram below illustrates how choosing a deductible can impact insurance rates when searching for cheap insurance for a Dodge Ram. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could pocket $584 a year by switching from a $100 deductible up to a $500 deductible, or save $884 by using a $1,000 deductible. Young drivers, like the 20-year-old, could reduce their rates up to $1,710 each year by choosing larger deductibles on their policy. When using a larger deductible, it is necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense associated with higher deductibles.
Why you should be shopping around
California auto insurance rates are based on many factors that can increase the price of your policy. Simply getting older, buying another vehicle, or getting a reckless driving citation can cause premium changes that can cause some rates to be cheaper than competitors.
In addition to those changes, car insurance companies modify rates multiple times each year in order to remain profitable. Unexpectedly high claims can result in increased policy costs, while better underwriting can cause lower-priced Ram insurance rates.
The chart below analyzes the cheapest car insurance in Los Angeles, CA for a 40-year-old female driver with a clean driving record, no accidents, and a decent credit rating. When quoting prices based on her personal risk profile, USAA offers the most affordable car insurance rates in Los Angeles at $1,826 a year. This is $175 more than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National round out the rest of the cheapest Los Angeles, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a chargeable claim, a lower credit rating, and a traffic ticket or two. Due to the fact that every auto insurer has a proprietary method to set their prices, comparing quotes may now show a significantly different list of affordable companies as shown below.
Grange now has the cheapest car insurance in Los Angeles, CA with Mercury, Allstate, Allied, and Progressive completing the list. This example shows why it is critical to shop around when trying to find the cheapest auto insurance rates for a Dodge Ram. Auto insurance prices can be determined by many factors and can change substantially, so the cheapest company the last time you checked may now be one of the more expensive options.
How to find economical insurance for a Dodge Ram
The list below details many money-saving suggestions that can help drivers locate cheap car insurance.
- Accident-free drivers may qualify for discounts
- Save money by only buying liability coverage for older vehicles
- Vehicles with safetly features generally cost less to insure
- Higher credit scores may earn you cheaper rates
- Bundle home or renters insurance to earn a discount on car insurance
- Shop around for lower rates once a year
The last tip in the list is especially valuable, as was affirmed in this write-up. Car insurance prices in Los Angeles change a lot, so drivers shouldn’t hesitate to buy from a different company if a better deal can be had. Many drivers prefer to stick with one company, but is isn’t recommended if it’s costing you hundreds of dollars year after year. Now is a great time to compare prices to find cheaper car insurance for a Dodge Ram.
If you aren’t sure which coverage you need and prefer to have some advice when trying to find lower insurance rates for a Dodge Ram, the insurance agencies listed below are willing to provide answers to your questions and help you determine which insurance coverage will be best for you. To find a Los Angeles insurance agent by location nearest to you, click the link at the bottom or click here to compare price quotes now.
- Hillary Heyl – State Farm Insurance Agent
1990 Westwood Blvd #100 – Los Angeles, CA 90025 – (310) 234-9600
- JSB Insurance Services, Inc.
1801 S La Cienega Blvd Ste 201 – Los Angeles, CA 90035 – (310) 402-0020
- Michael Chien – State Farm Insurance Agent
318 1/2 S La Brea Ave #2 – Los Angeles, CA 90036 – (323) 932-2557