Affordable Dodge Ram Insurance in Los Angeles

I can’t think of a single person who is fond of buying car insurance, especially when they are paying too much.

Insurance for Dodge RamUnbelievable but true according to a study most drivers kept buying from the same company for over three years, and approximately 38% of consumers have never taken the time to shop around. Many drivers in California could save an average of approximately $500 each year just by shopping around, but they don’t invest the time required to find cheaper insurance by shopping around.

Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare auto insurance companies and get the definite cheapest price on Dodge Ram insurance in Los Angeles.

If you have a current auto insurance policy, you will be able to buy cheaper auto insurance using this information. Choosing the best rates in Los Angeles can initially seem challenging. But California drivers can benefit from knowing how big insurance companies market insurance on the web because rates fluctuate considerably.

How much does Dodge Ram insurance in Los Angeles, CA cost?

When quoting insurance, remember that having more price comparisons will improve the odds of getting a lower rate than you’re paying now.

The following companies provide free quotes in Los Angeles, CA. If several companies are displayed, we suggest you visit two to three different companies to get the lowest price.

Auto insurance statistics and figures

The rate information displayed below highlights different policy rates for Dodge Ram models. Understanding more about how insurance prices are determined can help customers make decisions when shopping around.

Dodge Ram Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $278 $382 $500 $30 $150 $1,340 $112
Ram Quad Cab TRX4 Off Road 2WD $314 $464 $500 $30 $150 $1,458 $122
Ram Quad Cab SLT 2WD $314 $464 $500 $30 $150 $1,458 $122
Ram Crew Cab ST 2WD $314 $464 $500 $30 $150 $1,458 $122
Ram Quad Cab ST 4WD $314 $464 $500 $30 $150 $1,458 $122
Ram Crew Cab SLT 2WD $314 $464 $500 $30 $150 $1,458 $122
Ram Crew Cab TRX 2WD $314 $464 $500 $30 $150 $1,458 $122
Ram Quad Cab SLT 4WD $314 $464 $500 $30 $150 $1,458 $122
Ram Crew Cab ST 4WD $314 $464 $500 $30 $150 $1,458 $122
Ram Crew Cab Sport 2WD $348 $546 $500 $30 $150 $1,574 $131
Ram Quad Cab Sport 2WD $348 $546 $500 $30 $150 $1,574 $131
Ram Quad Cab TRX4 Off Road 4WD $348 $546 $500 $30 $150 $1,574 $131
Ram Crew Cab TRX 4WD $348 $546 $500 $30 $150 $1,574 $131
Ram Crew Cab SLT 4WD $348 $546 $500 $30 $150 $1,574 $131
Ram Quad Cab Laramie 2WD $348 $546 $500 $30 $150 $1,574 $131
Ram Crew Cab Laramie 2WD $348 $546 $500 $30 $150 $1,574 $131
Ram Crew Cab Sport 4WD $348 $546 $500 $30 $150 $1,574 $131
Ram Quad Cab Sport 4WD $348 $546 $500 $30 $150 $1,574 $131
Ram Crew Cab Laramie 4WD $348 $630 $500 $30 $150 $1,658 $138
Ram Quad Cab Laramie 4WD $348 $630 $500 $30 $150 $1,658 $138
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in specific garaging location which can decrease or increase coverage rates substantially.

Violations and accidents raise rates

The illustration below demonstrates how traffic citations and fender-benders can drive up Dodge Ram insurance rates for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Dodge Ram insurance premiums by gender and age

The diagram below illustrates the difference between Dodge Ram premium costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

Full coverage or liability only

The chart below visualizes the comparison of Dodge Ram insurance prices when comparing full coverage to liability only. The costs are based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There is no exact formula to drop physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your Dodge Ram replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your policy deductible. If you are currently paying more than $800 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

When to have guidance from an insurance agency

A small number of people still prefer to talk to an insurance agent and often times that is recommended One of the benefits of comparing rate quotes online is the fact that you can find cheap auto insurance quotes and still choose a local agent. Buying insurance from neighborhood insurance agencies is definitely important in Los Angeles.

Insurance agents in Los AngelesAfter filling out this short form, your information is submitted to agents in your area who will give competitive quotes for your auto insurance coverage. It makes it easy because there is no need to leave your house as quotes are delivered to you instantly. You’ll get the best rates AND an agent nearby. If you need to get a rate quote from a particular provider, don’t hesitate to search and find their rate quote page to submit a rate quote request.

If you are searching for a reputable insurance agent or broker, it helps to know the two types of insurance agents to choose from. Insurance agencies in Los Angeles can be categorized as either independent or exclusive.

Independent Insurance Agents

These type of agents do not work for one specific company and that enables them to quote your coverage amongst many companies and get the cheapest rates. If you want to switch companies, they simply move your policy to a different company without you having to go to a different agency.

When comparing auto insurance rates, you will want to contact multiple independent agents in order to compare the most rates.

Below is a partial list of independent agencies in Los Angeles who may be able to give you competitive price quotes.

1601 S La Brea AveLos Angeles, CA 90019(323) 933-9888View Map

1801 S La Cienega Blvd Ste 201Los Angeles, CA 90035(310) 402-0020View Map

3101 Silver Lake BlvdLos Angeles, CA 90039(323) 667-9180View Map

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Exclusive Agents

These type of agents generally can only insure with one company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive insurance agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets.

Listed below are exclusive insurance agencies in Los Angeles that are able to give price quote information.

5683 York BlvdLos Angeles, CA 90042(323) 892-2880View Map

4929 Wilshire Blvd #745Los Angeles, CA 90010(323) 692-0090View Map

875 N Gower StLos Angeles, CA 90038(323) 462-1096View Map

View more Los Angeles agents

Finding the right insurance agency needs to be determined by more than just the quoted price. Ask your prospective agent these questions: