Finding cheaper car insurance for a Dodge Ram in Arizona hinges on many factors such as driver age, the likelihood of your vehicle being stolen, and any prior driving offenses. Drivers in Arizona pay on average $872 each year to insure their Ram, but that cost is a projection based upon a 50-year-old married male driver with full physical damage coverage and $500 deductibles.
The problem with using this number is the good chance you aren’t exactly 50 years old or even a male, maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Even a slight difference in the rating criteria used to formulate rates can result in a large change in the coverage rate.
This shows why the only real way to find cheap car insurance rates for your Dodge is to just compare rates yourself. It takes less than five minutes and you can get rates from some of the cheapest companies that insure vehicles in Arizona.
The trim level of your vehicle will likely have an effect on price, so the cost to insure a Ram Quad Cab ST 2WD will be $180 less than the price to insure the fancier Ram Quad Cab Laramie 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$146||$220||$326||$20||$98||$810||$68|
|Ram Quad Cab TRX4 Off Road 2WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Quad Cab SLT 2WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Crew Cab ST 2WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Quad Cab ST 4WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Crew Cab SLT 2WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Crew Cab TRX 2WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Quad Cab SLT 4WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Crew Cab ST 4WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Crew Cab Sport 2WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Quad Cab Sport 2WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Quad Cab TRX4 Off Road 4WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Crew Cab TRX 4WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Crew Cab SLT 4WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Quad Cab Laramie 2WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Crew Cab Laramie 2WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Crew Cab Sport 4WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Quad Cab Sport 4WD||$184||$316||$326||$20||$98||$944||$79|
|Ram Crew Cab Laramie 4WD||$184||$362||$326||$20||$98||$990||$83|
|Ram Quad Cab Laramie 4WD||$184||$362||$326||$20||$98||$990||$83|
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in specific location information which can revise rates substantially.
Finding out which insurers offer the best auto insurance rates for a Dodge Ram will take a bit more work in order to find coverage that fits your budget. Every insurance company uses their own formula for setting prices, so let’s take a look at the auto insurance companies that tend to have lower prices in Arizona.
Find the Cheapest Auto Insurance for Your Ram Truck
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford may offer some of the lowest car insurance rates in Tucson at around $845 annually. This is $583 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also are some of the more affordable Tucson, AZ insurance companies.
As illustrated above, if you are a customer of Auto-Owners and switched to The Hartford, you might realize a yearly savings of around $79. Customers with Travelers may save as much as $230 a year, and USAA policyholders might lower prices by up to $279 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or quote prices from the following companies.
Understand that those premium estimates are averages for all types of insureds and vehicles and are not factoring in a specific location for a Dodge Ram. So the insurer that fits your needs best may not even be in the list above. That points out the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.
Does full coverage make sense?
Lowering the price of auto insurance is probably important to the majority of vehicle owners, and a good way to buy cheap insurance for a Dodge Ram is to only buy liability coverage. The example below shows the difference between auto insurance costs with and without physical damage coverage. The premium estimates are based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no other discounts are factored in.
If we average the cost for ages 20 through 70, full coverage on your policy costs $1,948 per year more than just buying liability insurance. That amount may make you wonder when is the right time to remove full coverage. There is no set rule of when to phase out full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s pretend your vehicle’s settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after you pay the deductible. If you are currently paying more than $700 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are a few situations where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Low rates can quickly become overpriced
Tucson, AZ auto insurance rates are based on many factors which can substantially change the cost of a policy. Simply turning a year older, buying a home instead of renting, or getting caught speeding may cause policy rate changes resulting in some rates now being cheaper than before. Not only that, but insurance companies file new Arizona auto insurance rates multiple times each year to adjust for unexpected claims or profits. Higher than normal claims can result in increased rates, while better underwriting may produce more affordable Ram insurance rates.
To illustrate this example, the data below analyzes the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with no accidents, a clean driving record, and a good credit rating. If we estimate prices based on his current situation, The Hartford quotes the best car insurance rates in Tucson at $1,052 a year. This is $376 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remaining most affordable Tucson, AZ auto insurance companies.
Let’s now give the driver in the first example an accident surcharge, a lower credit rating, and a speeding citation. Due to the fact that every auto insurer uses a different method to determine rates, comparing quotes may result in a different set of the cheapest car insurance companies in Tucson as shown below.
GEICO now has the best auto insurance rate in Tucson with CSAA, Ameriprise Group, Safeco, and Allied also being competitive. This example demonstrates why it is crucial to spend some time comparing rates to get the best car insurance rates for a Dodge Ram. Prices are determined by many risk factors and can decrease or increase without notice, so the best option three years ago may now be priced much higher than other options.
Ideas for buying cheaper auto insurance for a Dodge Ram
The list below summarizes some money-saving solutions that can help Tucson drivers find low-cost coverage.
- Try to remain claim-free
- Choose a safer vehicle and pay lower rates
- Improve your credit
- Ensure your driving record is clean
- Accidents can significantly increase rates
- Shop around once a year for cheaper rates
The last idea is highly valuable, as we noted in this write-up. Auto insurance rates can be changed at any time, so don’t be afraid to buy from a different company if a more affordable price is available. Many consumers stick with the same company and that’s fine, but we do not recommend it if that faithfulness ends up costing you several hundred dollars every year. It only take a few minutes to compare rates to find cheaper car insurance for a Dodge Ram in Tucson.