Who Has Cheap Insurance Quotes for a Dodge Ram in West Virginia?

Your ability to find cheap car insurance for a Dodge Ram in West Virginia depends upon dozens of factors like your marital status, your claims history, and violations on your driving record. Drivers on average pay around $1,050 each year to buy insurance for a Dodge Ram, but that policy rate is a valuation based on a 30-year-old married female that has both comprehensive and collision coverage and $1,000 policy deductibles.

Most likely you are not a 30-year-old female, possibly single instead of married, or you need different physical damage deductibles. Changing even a minor factor in the rating criteria used to formulate rates may result in significant differences in rates.

Auto insurance rates are unique for each driver, so the only way to find the cheapest insurance price for your Dodge is to get into the habit of shopping around regularly. It only takes a few minutes and you will be able to compare rates from the best auto insurance companies that insure vehicles in West Virginia.

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The specific trim level will have an impact the coverage cost, so the price you will be charged to insure a Ram Quad Cab ST 2WD trim level will be $202 less expensive the cost to insure the fancier Ram Quad Cab Laramie 4WD trim level, as demonstrated by the prices below.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in specific location which can influence premium rates greatly.

Figuring out which companies offer the lowest-priced auto insurance rates for a Dodge Ram takes a little more sweat in order to find the best policy. Each auto insurer has a unique formula to establish rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in West Virginia.

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Erie offers some of the cheapest car insurance rates in West Virginia at around $904 per year. The Hartford, State Auto, USAA, and Westfield would also make the list of some of the lowest-priced West Virginia insurance companies.

In the above example, if you are a policyholder with USAA and switched to Erie, you might see savings of in the neighborhood of $370. Insureds with Westfield could save as much as $410 a year, and Progressive customers might reduce prices by as much as $575 a year.

To see if your current coverage is too expensive, click here to start your free quote or visit any of the companies below.

These estimates are averages for all drivers and vehicles and and are not figured with a specific rate factor for a Dodge Ram. So the auto insurance company that fits your situation best may not even be shown in the above rate chart. That’s why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Full coverage rates vs. liability-only in West Virginia

Finding cheap insurance for a Dodge Ram in West Virginia should be important to most people, and a great way to buy cheap insurance is to not insure for full coverage. The chart below visualizes the comparison of auto insurance costs with full phyical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied to the premium.

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If averaged out across all ages, comp and collision coverage costs an additional $2,666 per year more than just buying liability insurance. That is a large expense which might make you wonder if you should buy full coverage at all. There isn’t a written rule to drop full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

There are some circumstances where buying only liability insurance is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.

Careless driving habits raise auto insurance rates

The common sense way to snag cheap insurance for a Dodge Ram in West Virginia is to be a safe driver and not get tickets or have accidents. The example below demonstrates how speeding tickets and at-fault collisions can increase auto insurance costs for different age categories. The premium estimates are based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

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 Two Accidents’],[‘Age 20’, 4555,5425,8567],[‘Age 30’, 2387,3255,6399],[‘Age 40’, 2349,3223,6363],[‘Age 50’, 2135,3005,6149],[‘Age 60’, 2065,2933,6077],[‘Age 70’, 2505,3377,6517]]);var options = {title: ‘Impact of Tickets and Accidents on West Virginia 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 West Virginia’,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 chart shows that the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,666. Factor in two speeding tickets and the average cost hikes up to $3,536, an increase of $870 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Dodge Ram goes up to an average of $6,679. That’s an increase of $4,013, or $334 per month, just for a couple of infractions!

Is Allstate, State Farm, Geico, or Progressive cheaper?

When it comes to buying insurance for a Ram pickup in West Virginia, four companies to take a look at are Allstate, State Farm, Geico, and Progressive. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a slightly different mix of options and features that policyholders can choose from. The table below compares some of the different options that are available for customers.

Cheap Dodge Ram insurance quotes

You have a lot of ways to find cheaper auto insurance in West Virginia, but the most common are either through an exclusive insurance agency such as State Farm or Auto-Owners, an independent or non-exclusive agent, or direct from companies such as Progressive or Geico.

They all have the same end result, but buyers need to know the differences in how they work.

Independent insurance agencies are appointed by several companies and can compare rates with each one. Independent agents will provide you with more rate quotes, which may provide you with better odds of saving money. If a cheaper price is found, the business is moved internally which prevents you from having to find a new agency.

An exclusive agent is usually just provide rates from a single insurance company, for example a Liberty Mutual or State Farm agent. These agents usually cannot provide a range of price quotes, so they have to upsell other benefits.

If you choose to buy auto insurance direct, you bypass an exlusive or independent agent and instead shop from a direct company like Esurance. This option may be a decent choice drivers who have lower risk management needs and have an above average understanding of what is covered and what is not.

So out of those three methods, which one works best to find cheap insurance for a Dodge Ram in West Virginia? Our initial answer would be buying from a direct car insurance company saves the most money since it doesn’t require paying agent commissions, but unfortunately, that is not always true. And we’d like to say going through an independent agent guarantees the lowest rates since they have access to many companies, but again, it’s not a sure thing. And occasionally, the exclusive agents may have very competitive prices that are the lowest in West Virginia.

Because there are so many factors that make up auto insurance rates, the only real way to ensure the lowest rates is to compare lots of quotes. We recommend you get prices from all three types to get an idea of which is cheapest. For a list of companies with some of the cheapest West Virginia auto insurance rates, click here to view.