Buying affordable insurance for a Dodge Ram can be really easy, but it hinges on an enormous amount of rating factors such as how far you drive to work, your credit score, and driving violations and tickets. Drivers pay around $1,409 per year for Ram insurance, but that amount is a valuation calculated based on a 50-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.
It’s more than likely you may not be 50 years old (or even female), single instead of married, or you just prefer to insure for liability only. This shows why the best method for finding the cheapest insurance price for your Dodge is to put in the effort to do a thorough rate comparison. Comparing quotes is easy and you will be able to see rates from top-rated companies that offer coverage in California.
The trim level of your Ram has an effect on the cost of insurance, so the price you will be charged to insure a Ram Quad Cab ST 2WD model will be $324 cheaper than the insurance cost for the high end Ram Quad Cab Laramie 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$262||$392||$470||$28||$140||$1,292||$108|
|Ram Quad Cab TRX4 Off Road 2WD||$296||$478||$470||$28||$140||$1,412||$118|
|Ram Quad Cab SLT 2WD||$296||$478||$470||$28||$140||$1,412||$118|
|Ram Crew Cab ST 2WD||$296||$478||$470||$28||$140||$1,412||$118|
|Ram Quad Cab ST 4WD||$296||$478||$470||$28||$140||$1,412||$118|
|Ram Crew Cab SLT 2WD||$296||$478||$470||$28||$140||$1,412||$118|
|Ram Crew Cab TRX 2WD||$296||$478||$470||$28||$140||$1,412||$118|
|Ram Quad Cab SLT 4WD||$296||$478||$470||$28||$140||$1,412||$118|
|Ram Crew Cab ST 4WD||$296||$478||$470||$28||$140||$1,412||$118|
|Ram Crew Cab Sport 2WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Quad Cab Sport 2WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Quad Cab TRX4 Off Road 4WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Crew Cab TRX 4WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Crew Cab SLT 4WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Quad Cab Laramie 2WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Crew Cab Laramie 2WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Crew Cab Sport 4WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Quad Cab Sport 4WD||$330||$562||$470||$28||$140||$1,530||$128|
|Ram Crew Cab Laramie 4WD||$330||$648||$470||$28||$140||$1,616||$135|
|Ram Quad Cab Laramie 4WD||$330||$648||$470||$28||$140||$1,616||$135|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can revise coverage prices considerably.
How to find a good California auto insurance company
Buying coverage from a highly-rated auto insurance provider is hard considering how many companies are available to choose from in California. The company ratings shown next could help you pick which auto insurers you want to consider when trying to find cheaper insurance for a Dodge Ram.
These rankings are only comprised of companies that write coverage in many states, so companies that focus mainly on California business are not included in this list. To check rates and find cheaper insurance for a Dodge Ram, follow this link.
Top 10 Large Auto Insurance Companies in San Francisco Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Discounts on San Francisco auto insurance rates
Auto insurance companies that offer coverage for a Dodge Ram may also give you rate discounts that could lower prices by 30% or more if you meet specific eligibility requirements. Popular auto insurance companies and some of the premium reductions they offer are included below.
- GEICO offers discounts for anti-lock brakes, military active duty, emergency military deployment, anti-theft, defensive driver, and multi-vehicle.
- MetLife has discounts for good student, accident-free, defensive driver, multi-policy, and good driver.
- Progressive may have discounts that include good student, online quote discount, online signing, multi-vehicle, multi-policy, continuous coverage, and homeowner.
- Travelers may offer discounts for driver training, payment discounts, save driver, hybrid/electric vehicle, good student, home ownership, and new car.
- SAFECO discounts include multi-car, anti-theft, teen safe driver, bundle discounts, and anti-lock brakes.
- AAA may include discounts for multi-car, good student, good driver, AAA membership discount, multi-policy, and education and occupation.
The diagram below illustrates the comparison of insurance costs with and without discounts. The premiums assume a female driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, defensive driving course, vehicle safety, passive restraint, accident-free, and homeowner discounts applied. In this example, theamount saved on auto insurance for a Dodge Ram is 28% or $677.
Cautious San Francisco drivers save money
The common sense way to maintain the best auto insurance rates for a Ram pickup is to drive attentively and maintain a clean driving record. The example below illustrates how violations and accidents increase yearly insurance costs for different age groups of insureds. The premiums assume a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of auto insurance in California per year with no violations or accidents is $2,267. Get one speeding ticket and the average cost rises to $2,609, an increase of $343 each year. Then add in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Dodge Ram goes up to an average of $3,551. That’s an increase of $1,284, or $107 per month, just for being a careless driver!
A good deal can quickly turn bad
San Francisco, CA auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of having a policy. Simply turning a year older, moving to a new city, or having an accident can trigger rate changes that may make certain companies cheaper than competitors. Additionally, auto insurance companies change rates every year in order to maintain liquidity for claims. Significantly higher losses can cause rate hikes, while lower claim expenses can cause cheaper Ram insurance rates.
For instance, the bar chart below shows rates for the cheapest car insurance in San Francisco, CA for a 30-year-old male driver with a clean driving record, no accidents, and great credit. When comparing rates based on his current risk factors, USAA has the most affordable car insurance rates in San Francisco at $1,522 each year. This is $129 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the top five cheapest San Francisco, CA auto insurance companies.
The next chart shows rates after we give the driver from above a couple of claims, a lower credit score, and a stop sign violation. Since every car insurance company uses their own formula for determining rates, comparing rates may now result in a substantially altered list of affordable San Francisco car insurance companies as shown below.
Grange now has the cheapest insurance rate in San Francisco with Mercury, Allstate, GEICO, and Allied also having competitive pricing. This example proves why San Francisco drivers need to do a thorough rate comparison to find the most economical car insurance rates for a Dodge Ram. Rates are calculated by many risk factors and change frequently, so the best option when you last compared rates may now be quite expensive.
How to find budget-friendly insurance for a Dodge Ram
Here are some of the better penny-pinching ideas that can help drivers get cheap coverage.
- Safer vehicles cost less to insure
- Raise physical damage deductibles
- You will pay more if you get tickets or have at-fault accidents
- Do not insure for full coverage
- Good credit scores may lower your rates
- Being accident-free can lower rates significantly
- Compare rates often to find the best deal
The last tip in the list is very necessary, as was noted in this piece. Auto insurance rates fluctuate considerably, so don’t be unwilling to switch to a new company if you can save money.
Having a favorite company is fine, but it’s not a good idea if that stubbornness costs you potentially thousands of dollars a year. In just a couple of minutes you could compare rates to find cheaper insurance for a Dodge Ram in San Francisco.
If you have coverage questions and would like to have some advice when trying to find lower insurance rates for a Dodge Ram, the professional agents shown below can aid you in deciding which coverage meets your needs best.
To locate a San Francisco car insurance agency close to where you live, click the link after the list or click here to compare rates now.
Milber Health Insurance Agent
1492 11th Ave – San Francisco, CA 94122 – (415) 564-8829
Angela Ng – State Farm Insurance Agent
377 W Portal Ave – San Francisco, CA 94127 – (415) 731-7400
Traci Hollander – State Farm Insurance Agent
1501 Church St – San Francisco, CA 94131 – (415) 647-3007
Basic West Insurance Agency
1641 Taraval St – San Francisco, CA 94116 – (415) 665-7400
Walter Li – State Farm Insurance Agent
1329 Chestnut St – San Francisco, CA 94123 – (415) 346-1000