Buying competitive car insurance for a Dodge Ram in Arizona is pretty easy to do, but it depends on a complex formula that considers things such as how safe your vehicle is, your credit history, and blemishes on your driving record. Drivers pay around $1,070 per year to insure their Ram, but that price is a valuation using a 50-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
But there is a good chance that you’re not a 50-year-old male, single instead of married, or maybe you’re a renter instead of a homeowner. There is no perfect policy for every driver, so the best method for finding the cheapest insurance price for your Dodge is to compare as many rates as you can. Price quotes are quick and you will receive price comparisons from top-rated car insurance companies in Arizona.
The specific model of Ram has an effect on the cost of insurance, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $264 less than the cost to insure the higher-end Ram Quad Cab Laramie 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$202||$326||$326||$20||$98||$972||$81|
|Ram Quad Cab TRX4 Off Road 2WD||$228||$396||$326||$20||$98||$1,068||$89|
|Ram Quad Cab SLT 2WD||$228||$396||$326||$20||$98||$1,068||$89|
|Ram Crew Cab ST 2WD||$228||$396||$326||$20||$98||$1,068||$89|
|Ram Quad Cab ST 4WD||$228||$396||$326||$20||$98||$1,068||$89|
|Ram Crew Cab SLT 2WD||$228||$396||$326||$20||$98||$1,068||$89|
|Ram Crew Cab TRX 2WD||$228||$396||$326||$20||$98||$1,068||$89|
|Ram Quad Cab SLT 4WD||$228||$396||$326||$20||$98||$1,068||$89|
|Ram Crew Cab ST 4WD||$228||$396||$326||$20||$98||$1,068||$89|
|Ram Crew Cab Sport 2WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Quad Cab Sport 2WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Quad Cab TRX4 Off Road 4WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Crew Cab TRX 4WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Crew Cab SLT 4WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Quad Cab Laramie 2WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Crew Cab Laramie 2WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Crew Cab Sport 4WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Quad Cab Sport 4WD||$254||$466||$326||$20||$98||$1,164||$97|
|Ram Crew Cab Laramie 4WD||$254||$538||$326||$20||$98||$1,236||$103|
|Ram Quad Cab Laramie 4WD||$254||$538||$326||$20||$98||$1,236||$103|
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific Mesa garaging location which can alter auto insurance rates greatly.
Figuring out which companies quote the lowest-priced auto insurance rates for a Dodge Ram will involve a bit more work in order to find the most economical policy. Each insurance company has a different formula to establish rates, so let’s take a look at the overall cheapest auto insurance companies in Mesa.
Find the Best Cheap Insurance for Your Ram Truck
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford has some of the most affordable car insurance rates in Mesa at around $845 a year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers would also be considered some of the more affordable Mesa, AZ car insurance companies.
As shown above, if you buy coverage from Auto-Owners and switched to The Hartford, you could earn yearly savings of in the vicinity of $43. Policyholders with Safeco could save as much as $51 a year, and USAA insureds might see rate reductions of $235 a year.
Be aware that those premiums are averaged across all drivers and vehicles and do not take into consideration an exact location for a Dodge Ram. So the car insurance company that is most affordable for your situation may not even be in the top 28 companies shown above. That illustrates why you need to get rate quotes from many companies using your own specific driver information and vehicle.
Discount Mesa car insurance
Auto insurance companies that sell policies for a Dodge Ram may also give you premium discounts that can reduce rates by 35% or more if you qualify for them. A list of auto insurance companies and a selection of discounts are shown below.
- GEICO offers discounts including emergency military deployment, anti-lock brakes, good student, anti-theft, multi-policy, seat belt use, and defensive driver.
- MetLife may offer discounts for claim-free, good student, defensive driver, multi-policy, and good driver.
- Progressive policyholders can earn discounts including continuous coverage, homeowner, multi-vehicle, multi-policy, good student, and online signing.
- Travelers discounts include multi-car, early quote, home ownership, payment discounts, and student away at school.
- SAFECO may have discounts that include safe driver, homeowner, accident prevention training, teen safe driver, and drive less.
- AAA has savings for good driver, anti-theft, multi-policy, good student, and multi-car.
The illustration below compares car insurance rates with and without discounts applied to the policy premium. The premiums are based on a male driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with accident-free, vehicle safety, multiple vehicle, marriage, homeowner, and safe-driver discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for a Dodge Ram is 28% or $603.
Why you should be shopping around
Mesa, AZ auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. Simply having a birthday, adding a teenager to your policy, or getting caught speeding may prompt premium changes that can cause some rates to be more affordable than the competition. Not only may your risk profile change, but insurance companies amend premium rates every year to reflect underwriting profits or losses. Larger than normal claims may cause rate hikes, while a better loss history may result in cheaper Ram insurance rates.
To help illustrate this point, the graph below compares the cheapest car insurance in Mesa, AZ for a 45-year-old male driver with no accidents, a clean driving record, and great credit. Based on his current rating profile, The Hartford might quote the lowest car insurance rates in Mesa at $1,057 annually. This is $371 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the list of the cheapest Mesa, AZ auto insurance companies.
Now let’s give the driver from the first rate comparison some claims, a lower credit rating, and a traffic citation. Due to the fact that each insurance company has a proprietary formula for filing rates in each state, analyzing rate quotes may result in a different list of the cheapest Mesa car insurance companies as shown below.
GEICO now has the lowest price in Mesa, AZ with Ameriprise Group, CSAA, Auto-Owners, and Allied also having competitive pricing. This example proves why drivers need to compare many different companies to get the most affordable auto insurance quotes for a Dodge Ram. Car insurance prices are impacted by many risk factors and can decrease or increase without notice, so the best option a year ago may now be quite expensive.
How to find economical insurance for a Dodge Ram
Here are some of the better thrifty solutions that can help you find more affordable coverage.
- Do not get into accidents
- Vehicles with good safety ratings are usually cheaper to insure
- Improve your credit
- Try to remain claim-free
- Violations like speeding or DUI increase rates
- Compare prices frequently to find the best deal
The last suggestion is notably critical, as was noted in the prior article. Car insurance rates can change considerably in a year, so don’t be hesitant to buy from a different company if a lower price can be found.
Brand loyalty is not necessarily bad, but it’s not recommended if that inflexibility results in costing you a considerable chunk of change every month. Now is a great time to compare prices and find cheaper insurance for a Dodge Ram in Mesa.
If you have questions and prefer to have professional advice when trying to find lower insurance rates for a Dodge Ram, the professional agents shown below can help you determine which policy is best. To find a Mesa insurance agent using an interactive map, click the button below the list or click here to compare price quotes.
Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952
Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140
Wong Insurance Agency LLC dba GlobalGreen Insurance Agency of Mesa
66 S Dobson Rd # 131 – Mesa, AZ 85202 – (602) 758-1672