How Much are Insurance Quotes for a Dodge Ram in Illinois?

Finding the best cheap car insurance for a Dodge Ram in Illinois is dependent upon an enormous amount of factors like the mileage of your daily commute, if you have ever had a gap in coverage, and violations on your driving record. Illinois drivers pay an average of $760 each year to buy Dodge Ram insurance, but that amount is a valuation that uses rate data for a 50-year-old married male driver that wants full coverage including both comprehensive and collision and $500 deductibles.

More than likely, you are not 50 and maybe not even a male, you might be single instead of married, or maybe you’re a renter instead of a homeowner. Not every driver requires the same auto insurance coverages, so the most reliable way to find cheap car insurance rates for your Dodge is to do a thorough rate comparison.

View Dodge Ram Insurance Rates

The specific trim level can impact price, so the price you pay to insure a Ram Quad Cab ST 2WD model will be $156 less than the cost to insure the higher-priced Ram Quad Cab Laramie 4WD model, as shown by the rates below.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in specific garaging location which can affect premiums noticeably.

Deciphering which company quotes the cheapest car insurance rates for a Dodge Ram will take a bit more effort in order to find a policy that fits your budget. Every auto insurer has a unique approach for establishing rates, so we will examine the most competitive car insurance companies in Illinois.

Best Auto Insurance Prices for Your Ram Truck

Click Here to Start Your Quote

The Hartford may offer some of the lowest car insurance rates in Illinois at around $769 a year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are also some of the cheaper Illinois insurance companies.

In the rate table above, if you currently have coverage with Titan and switched to The Hartford, you might see a yearly savings of in the vicinity of $117. Illinois drivers with Erie could save as much as $145 a year, and Cincinnati Insurance insureds might see rate reductions of $155 a year.

Remember that these prices are averaged for all ages of drivers and types of vehicles and are not factoring in a specific rate factor for a Dodge Ram. So the car insurance company that can offer you the best rate may not even be featured in the list of companies shown earlier. That illustrates why you need to compare rates from multiple companies using your own driver data and vehicle information.

Types of discounts on Illinois insurance

Insurance providers that offer cheap insurance for a Dodge Ram in Illinois may also offer discounts that could lower prices by 35% or more if you are eligible for them. The best car insurance companies and some of their more popular discounts can be found below.

The diagram below compares premium costs with and without discounts applied to the policy premium. The information is based on a female driver, no violations or accidents, Illinois state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, safe-driver, anti-theft, multiple vehicle, marriage, and multiple policy discounts applied. When these discounts are applied to the policy premium, the the average amount saved on car insurance for a Dodge Ram is 42% or $553.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2389,1719],[‘Age 30’, 1641,1193],[‘Age 40’, 1531,1107],[‘Age 50’, 1339,973],[‘Age 60’, 1293,939],[‘Age 70’, 1513,1091]]);var options = {title: ‘Insurance Premium Comparison for a Dodge Ram’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Drive responsibly or pay higher rates

The easiest method to find cheap insurance for a Dodge Ram in Illinois is to be an attentive driver and not get tickets or have accidents. The illustration below shows how violations and at-fault claims raise car insurance rates for different age groups. The rates are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2389,2607,4519],[‘Age 30’, 1641,1859,3771],[‘Age 40’, 1531,1745,3657],[‘Age 50’, 1339,1553,3467],[‘Age 60’, 1293,1511,3421],[‘Age 70’, 1513,1729,3639]]);var options = {title: ‘Effect of Tickets and Claims on Illinois Dodge Ram Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in Illinois’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of an auto insurance policy in Illinois per year with no violations or accidents is $1,618. Get written up for one speeding ticket and the average cost jumps to $1,834, an increase of $216 each year. Now add in two accidents along with the one speeding ticket and the annual cost of car insurance for a Dodge Ram goes up to an average of $3,746. That’s an increase of $2,128, or $177 per month, just for not maintaining a clean driving record!

Best cheap Dodge Ram insurance quotes

There are a variety of different ways to compare car insurance quotes in Illinois, but the most preferred ways are through an exclusive insurance agency such as Allstate or State Farm, a non-exclusive or independent agent, or direct online or over the phone from a company like Geico or Progressive.

All three ways can provide car insurance quotes, but shoppers should understand the differences in how they provide price quotes.

Independent insurance agencies are appointed by several companies and can quote your policy with each one. These types of agents do not sell for just one brand and can give you a larger rate selection, which can help you get a better overall rate comparison. If cheaper coverage is found, it’s simple to move the policy without having to get a different agent.

An agent who is captive is only able to give rates for just one company, a couple examples are an Auto-Owners or State Farm agent. Exclusive agencies are unable to give you multiple price quotes, so you will not be able to compare other companys’ rates.

When you buy car insurance direct, you skip a local agent and buy from a direct company like Progressive. Shopping direct can be good for drivers who have lower risk management needs and have a good understanding of how their policy works.

What is the best way to buy cheap insurance for a Dodge Ram in Illinois? It would be easy to say buying from a direct company saves money since that eliminates agent commissions, but that does not always hold true. And we’d like to say buying from an independent agent results in the best rates due to increased selection, but that is not accurate either. In many cases, exclusive agencies have very competitive rates that other car insurance companies cannot touch.

Due to that fact that car insurance uses so many rating variables, really the only way to find out which one is cheapest is to compare, compare, and compare some more. To cover all the bases, get prices from all three types to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.

Find cheap insurance for a Dodge Ram in Illinois

The list below summarizes many thrifty ideas that can help Illinois drivers buy cheaper coverage.

• At-fault accidents can raise rates significantly
• Do not pay for full coverage if not needed
• Safer vehicles generally have cheaper insurance rates
• Improve your credit
• Buying home and auto together can help save money
• Compare prices frequently to find the best deal

The final tip is extremely important, as we emphasized in the prior article. Car insurance rates in Illinois adjust often, so don’t be tentative to buy a different policy if you can save money.

Many consumers stick with the same company and that’s fine, but it’s not recommended if that stubbornness costs you hundreds every year. It only takes a couple minutes to compare prices to find cheaper auto insurance for a Dodge Ram.