Cheap Insurance for a Dodge Ram in Nevada

Your odds of finding the best cheap auto insurance for a Dodge Ram in Nevada is contingent on many different factors like how far you drive to work, whether you have good credit, and your policy deductibles. Nevada drivers on average pay approximately $1,320 a year to insure a Ram, but that figure is an estimation that uses rate data for a 40-year-old single female driver that wants full physical damage coverage and $250 policy deductibles.

It’s highly likely that you are not exactly 40 years old and possibly not even female, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. There is no one cookie-cutter policy that works 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.

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The trim level of your Dodge will likely have an effect on the coverage cost, so the price you will be charged to insure a Ram Quad Cab ST 2WD model will be $304 less expensive the price to insure the higher-priced Ram Quad Cab Laramie 4WD trim level, as shown below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in specific zip code location which can alter coverage prices significantly.

Buying coverage from a good quality insurer can be a challenge considering how many different insurance companies sell coverage in Nevada. The ranking information shown next could help you decide which auto insurance companies to look at when trying to find the cheapest insurance for a Dodge Ram.

These ratings are only comprised of the largest auto insurers in America, so companies that only write business in Nevada or surrounding areas are not taken into consideration for these rankings. To compare price quotes from the most competitive companies in Nevada, simply click here.

Full coverage or liability only

Finding cheap insurance for a Dodge Ram in Nevada should be important to most vehicle owners, and one of the fastest ways to pay less for insurance is to not buy comprehensive and collision coverage. The example below shows the difference between auto insurance costs with and without full coverage. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

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As an average for all age groups, comprehensive and collision coverage on your policy costs an additional $1,858 per year more than just buying liability only. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no set guideline to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.

Geico, State Farm, Allstate, or Progressive: Which is best?

If you want reliable insurance for a Ram pickup in Nevada, the most popular companies are Geico, State Farm, Allstate, and Progressive. The following table points out price and claims rank as well as some different options that policyholders can buy.

Best cheap Dodge Ram insurance quotes

Thanks to technology, there are a lot of ways to compare car insurance quotes in Nevada, but the three most common are through a non-exclusive or independent agent, an exclusive insurance agent like Liberty Mutual or Allstate, or direct either online or via phone. Each way has the same basic process, but it’s good to know the differences in how they provide price quotes.

Independent agencies work for many companies and can get rate quotes from all of them. Agents of this type do not write with just one company and can compare multiple rates, which may give you a better chance of finding cheaper coverage. If your agent finds better pricing, your policy is moved internally and you stay with the same agent.

A captive or exclusive agent is only able to quote rates with a single company, a couple examples are Allstate or State Farm agents. Exclusive agents cannot compare other company’s rates, so if rates are not competitive, they cannot give other choices.

The final way is buying direct, which means you bypass an independent or exclusive agent and instead shop from a direct company like Geico. Shopping direct can be good for consumers who do not need advice for risk management and have a good understanding of what specific coverages and deductibles they need.

What is the best way for finding cheap insurance for a Dodge Ram in Nevada? The majority of car insurance shoppers assume that buying direct results in the cheapest rates because you bypass the middleman, but unfortunately, that is not the case. It could also be said using an independent agent guarantees the lowest rates because you have more choices, but that assumption is also not accurate. For the right applicant, the exclusive agents may have very competitive prices that other car insurance companies cannot touch.

Since car insurance prices are based on many different factors, the one way to buy the cheapest policy is to do a thorough rate comparison. Put in the effort to get prices from all three to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.