Best Cheap Insurance for a Dodge Ram in Nebraska

When talking about auto insurance, the words “affordable” or “cheap” really should not be used as a descriptor for auto insurance rates. Nonetheless, cheap auto insurance for a Dodge Ram is pretty hard to find. But don’t let us ruin your dream, because we are going to show you how you can quote and buy auto insurance that is affordable.

Your chances of buying the cheapest car insurance for a Dodge Ram in Nebraska is dependent upon lots of different factors like whether you are married, your credit score, and the level of deductible you choose. Drivers in Nebraska pay on average $1,240 per year to buy insurance for a Dodge Ram, but that figure is based on cost data for a 30-year-old single female that includes comprehensive and collision coverage and $500 physical damage deductibles.

There is a high probability that you are not a 30-year-old female, married instead of single, or maybe you’re a renter instead of a homeowner. Having what appears to be a very minor change in quote information could result in a significant change in rates.

There is no “one size fits all” policy, so the best method for finding the cheapest insurance price for your Dodge is to make a habit of regularly comparing rates from other companies. In just a few minutes you can get rates from the cheapest companies around.

Compare Rates and Save

The specific model of Ram tends to have a direct effect on the insurance rate, so the price you pay to insure a Ram Quad Cab ST 2WD model will be $260 less than the cost to insure the fancier Ram Quad Cab Laramie 4WD model, as shown in the prices below.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in specific zip code location which can change insurance rates considerably.

Trying to find cheap insurance is easier said than done, and figuring out which company quotes the best auto insurance rates for a Dodge Ram will involve even more shopping around. Each insurance company has their own guidelines for determining rates, so let’s rank the auto insurance companies with the overall best prices in Nebraska.

It’s important that readers know that Nebraska auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of having a policy. This price variation is why it is critical to compare rates to find affordable auto insurance quotes for a Dodge Ram. Rates can be determined by many different factors and can decrease or increase without notice, so the cheapest option when you last compared rates may now cost much more than other companies.

Cheapest Insurance Rates for Your Ram Truck

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Safeco generally has some of the lowest car insurance rates in Nebraska at around $812 annually. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual would also be considered some of the more affordable Nebraska insurance companies.

In the above rates, if you are a policyholder with Allied and switched to Safeco, you could see savings of about $127. Policyholders with Farm Bureau Mutual might save as much as $168 a year, and Farmers Mutual of Nebraska insureds might see rate reductions of $177 a year.

Be aware that those policy rates are averages for all insureds and vehicles and are not factoring in a specific rate factor for a Dodge Ram. So the insurer that can offer you the lowest price may not even be in the list of companies shown earlier. That emphasizes why you need to get rate quotes using your own driver data and vehicle information.

Poor driving habits will raise your auto insurance rates

The recommended way to receive the best cheap insurance for a Dodge Ram in Nebraska is to drive safe and avoid getting tickets or having accidents. The chart below shows how violations and at-fault claims drive up auto insurance rates for different insured age categories. The premiums assume a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

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In the chart above, the average cost of car insurance in Nebraska per year with no violations or accidents is $1,379. Add in two speeding tickets and the average cost rises to $1,891, an increase of $512 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for a Dodge Ram jumps again to an average of $2,409. That’s an increase of $1,030, or $86 per month, just for not being attentive to the road!

Company comparison: Geico vs State Farm vs Allstate vs Progressive

When it comes to buying insurance for a Ram pickup in Nebraska, some of the largest companies to start with are Geico, State Farm, Allstate, and Progressive. The next table ranks some of the different options that you can purchase from each one.

How to get the best cheap insurance for a Dodge Ram in Nebraska

The list below details some of the better thrifty suggestions that can help Nebraska drivers find cheaper coverage.

• Full coverage is expensive so only insure older vehicles for liability only
• Safe vehicles generally have lower rates
• Increase deductibles to save money
• Bundle home or renters insurance to earn a discount on car insurance
• Good credit scores may make rates cheaper
• Avoid filing small claims
• Compare rates regularly and switch companies to save money

The last suggestion is especially critical, as we hit on in this article. Prices charged by car insurance companies in Nebraska change a lot, so don’t be unwilling to buy a different policy if a more affordable price is available.

Being loyal to a particular company is commendable, but we do not recommend it if that loyalty results in overpaying thousands of dollars over the life of your policy. Take a few minutes and compare prices to find cheaper car insurance for a Dodge Ram.

Who has the cheapest Dodge Ram insurance quotes?

Thanks to technology, there are a lot of ways to find affordable auto insurance in Nebraska, but the most frequently used ways are from an independent agent, an exclusive insurance agency like Allstate or State Farm, or direct either online or via phone.

Each way has the same basic steps, but auto insurance buyers need to understand the differences in how they give price quotes.

Independent agents work with multiple companies and can do rate comparisons with all of them. These types of agents have the freedom to provide you with more rates, which may give you a better chance of saving money. If they find a lower price, your agent can just switch to a different company and you won’t have to switch agencies.

A captive or exclusive agent is only able to quote rates with just one company, two of the more popular are Allstate or State Farm agents. Exclusive agents are unable to provide a range of price quotes, so smart shoppers will want to get additional comparison quotes.

Buying auto insurance direct means you skip an agent and instead buy direct from companies such as Geico or Esurance. Buying direct may be good for families who have fewer assets and understand the exclusions of a policy.

So which one of the three ways works best to find the best cheap insurance for a Dodge Ram in Nebraska? The majority of people assume that shopping direct results in the cheapest price since that eliminates agent commissions, but unfortunately, it’s not that cut and dried. We could also assume that using an independent agent saves the most money because they can shop around, but again, that’s not a true statement. And sometimes, exclusive agents may have very competitive prices that are well below what direct and independents offer.

Since auto insurance rates vary so much, the best method to get rock-bottom rates is to get quotes and compare the rates. If you want to save money, get quotes from all three in order to have enough rates to compare. For a list of companies offering online discounts, click here to view.