Cheap Insurance Quotes for a Dodge Ram in Pennsylvania

Whenever people write about auto insurance, the words cheap or affordable really should not be used anywhere in the article to describe car insurance prices. Forgive the oxymoron, but cheap car insurance for a Dodge Ram is almost non-existent. Don’t let that discourage you, because we will show you how you can find insurance that is more affordable than your current policy.

The likelihood of finding cheap car insurance for a Dodge Ram in Pennsylvania is contingent on lots of different factors such as whether you are a new or experienced driver, if you are a frequent claim filer, and any prior driving offenses you have. Drivers in Pennsylvania pay an average of $1,220 each year to insure their Ram, but that price is a valuation based on cost data for a 30-year-old married male that included full physical damage coverage and $250 deductibles.

There is a good chance you may not be 30 years old (or even male), maybe you are single instead of married, or maybe you rent instead of own your home. Auto insurance is unique to each driver, so the best way to quote cheap insurance prices for your Dodge is to comparison shop your policy at each renewal. Quotes only take a couple of minutes and you can get prices from some of the most affordable companies that insure vehicles in Pennsylvania.

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The specific model of Ram will likely have an effect on the insurance rate, so the price you pay to insure a Ram Quad Cab ST 2WD model will be $296 lower than the insurance cost for the higher-end Ram Quad Cab Laramie 4WD version, as shown in the prices below.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in zip code location which can change prices considerably.

Finding good, low-priced auto insurance is not the easiest thing to do, and deciding which company offers the most affordable insurance rates for a Dodge Ram may require a bit more work.

Each insurer uses different criteria to determine rates, so we need to take a look at the most competitive insurance companies in Pennsylvania. It’s important to know that Pennsylvania insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay. That is why it is critical to compare rates to find the most budget-friendly auto insurance rates for a Dodge Ram. Car insurance prices can be altered by many different factors and can decrease or increase without notice, so the most economical company the last time you shopped around may now be priced much higher than other options.

Best Auto Insurance Prices for Your Ram Truck

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General Casualty normally has some of the cheapest car insurance rates in Pennsylvania at around $748 per year. Travelers, Penn National, USAA, and Erie also are some of the cheapest Pennsylvania insurance companies.

As shown in the rates above, if you currently buy coverage from Penn National and switched to General Casualty, you might realize a yearly savings of about $60. Drivers with USAA could save as much as $69 a year, and Erie policyholders might lower prices by up to $76 a year.

To compare your rates to other Pennsylvania insurance companies, click here to start your custom quote or visit any of the low-priced companies below.

It’s important to note that these premiums are averaged across all drivers and vehicles and and are not calculated with a specific rate value for a Dodge Ram. So the car insurance company that fits you best may not even be included in the list of companies shown earlier. That helps illustrate why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Price comparison of only insuring for liability

Finding cheap insurance for a Dodge Ram in Pennsylvania should be important to most vehicle owners, and one great way to buy cheaper insurance is to buy liability only. The example below compares insurance premiums with and without full coverage. The costs are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 3013,1319],[‘Age 30’, 1601,723],[‘Age 40’, 1549,671],[‘Age 50’, 1419,627],[‘Age 60’, 1379,617],[‘Age 70’, 1719,825]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Dodge Ram in Pennsylvania’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

On average, physical damage coverage costs $1,780 per year more than carrying just liability coverage. Many people question if full coverage is worth the money. There is no clear-cut rule that is best for determining when to drop physical damage coverage, but there is a general school of thought. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s assume your vehicle’s settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Bad driving habits will cost you more

The obvious way to obtain the most affordable insurance rates for a Ram pickup is to drive carefully and avoid getting tickets or having accidents. The diagram below illustrates how traffic citations and at-fault fender-benders can increase insurance rates for different age categories. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3389,4021,4669],[‘Age 30’, 1765,2399,3049],[‘Age 40’, 1731,2363,3013],[‘Age 50’, 1579,2217,2865],[‘Age 60’, 1533,2167,2815],[‘Age 70’, 1899,2535,3183]]);var options = {title: ‘Impact of Tickets and Claims on Pennsylvania 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 Pennsylvania’,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);}

The data above shows the average cost of a car insurance policy per year with no violations or accidents is $1,983. Factor in two speeding tickets and the average cost hikes up to $2,617, an increase of $634 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for a Dodge Ram jumps again to an average of $3,266. That’s an increase of $1,283, or $107 per month, just for not maintaining a clean driving record!

How to find economical insurance for a Dodge Ram

Below you’ll find a few penny-pinching ideas that can help Pennsylvania drivers locate cheaper car insurance.

• Try to pay small claims out-of-pocket
• Clean up your credit
• Being accident-free can lower rates significantly
• Serious violations like DUI or reckless driving can increase rates dramatically
• Insure your home and auto with the same company
• Higher deductibles mean lower rates
• Shop around for lower rates once a year

That last piece of advice is especially valuable, as was noted in this write-up. Insurance rates can be modified anytime, so drivers shouldn’t be resistant to change to a new company if a more affordable rate is found. Many drivers prefer to stick with one company, but it’s not recommended if that inflexibility results in costing you hundreds of dollars year after year. It takes less than five minutes to compare rates to find cheaper insurance for a Dodge Ram.