Who Has Cheap Auto Insurance for a Dodge Ram in Raleigh?

Finding cheaper car insurance for a Dodge Ram is pretty straightforward, but it relies on a lot of factors such as miles driven annually, where your vehicle is garaged, and citations on your driving record. Drivers pay approximately $1,015 a year for Ram insurance, but that figure is an estimation calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.

More likely than not, you aren’t exactly 30 years old or even a male, you might be single instead of married, or maybe you’re a renter instead of a homeowner. Everone’s needs are different, and this illustrates why the way we recommend to find the most affordable coverage for your Dodge is to do a thorough rate comparison. In just a few minutes you will receive rate quotes from some of the best companies that sell coverage in North Carolina.

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Your Dodge’s trim level tends to have a direct impact on the cost of insurance, so the price you will be charged to insure a Ram Quad Cab ST 2WD will be $262 lower than the cost to insure the higher-end Ram Quad Cab Laramie 4WD version, as shown below.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in Raleigh location which can alter coverage rates substantially.

Choosing the top insurer can be difficult considering how many companies are available to choose from in Raleigh. The ranking data listed below may help you decide which car insurance companies you want to consider when trying to find the cheapest insurance for a Dodge Ram.

These rankings are only made up of the largest companies in America, so companies with more of a regional focus are not taken into consideration for the list. To compare prices from these and other companies in North Carolina, just click here.

Top 10 Large Auto Insurance Companies in Raleigh Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Top 10 Large Auto Insurance Companies in Raleigh Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

The diagram below shows how different deductible levels can raise or lower yearly insurance costs when trying to find cheap insurance for a Dodge Ram. The rates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

As shown above, a 30-year-old driver could pocket $276 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $420 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, have the ability to save $830 every year by choosing a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough spare savings to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Difference between full coverage and liability only rates

Reducing the cost of auto insurance is the goal of the majority of people, and an effective way to pay lower rates for insurance for a Dodge Ram is to not buy full coverage. The example below visualizes the comparison of yearly insurance costs with liability coverage only compared to full coverage. The information is based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.

On average, comp and collision coverage costs $1,622 per year more than insuring for liability only. That is a large expense which might make you wonder if it’s a good idea to buy full coverage. There is no set rule that is best for determining when to drop physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

Are you paying too much for car insurance?

Raleigh auto insurance rates are impacted by many factors that can increase the price you have to pay for coverage. Simply having a birthday, getting married, or getting a reckless driving citation can produce rate changes that can make some companies more affordable than others. Not only may your risk profile change, but insurers file new North Carolina car insurance rates without warning to adjust for heavy claims or excess profits. Larger than normal claims can cause high rates, while lower claims may produce cheaper Ram insurance rates.

To illustrate this example, the data below shows rates for the cheapest car insurance in Raleigh, NC for a 45-year-old male driver with a good driving record, no prior claims, and great credit. If we compare prices based on his current rating profile, Progressive might offer the best car insurance rates in Raleigh at $703 annually. This is $169 less than the average rate paid by North Carolina drivers of $872. Utica National, Liberty Mutual, Penn National, and Titan are the remaining cheapest Raleigh, NC auto insurance companies.

Let’s now give the driver in the first chart a claim surcharge, a little lower credit rating, and a speeding ticket. Because each insurer uses their own calculation for setting rates, getting updated rate quotes may result in a slightly different list of the cheapest companies as shown below.

GEICO now has the cheapest rate in Raleigh with State Farm, Auto-Owners, Erie, and National General also being competitive. This example illustrates why it is crucial to take the time to shop around to get the cheapest car insurance quotes for a Dodge Ram. Insurance rates are determined by many factors and can change without notice, so the lowest-price company when you last compared rates may now be wasting a lot of money.

How to find low-cost insurance for a Dodge Ram

The list below shows some of the better penny-pinching ideas that can help you quote more affordable coverage.

• Choose a safer vehicle and pay lower rates
• Raise deductibles to save money
• Assess whether full coverage is needed
• Be a safe driver
• Drivers with good credit often pay less
• At-fault accidents will increase rates
• Shop around for cheaper prices often

The final tip is extremely necessary, as was discussed in the prior information. Prices charged by companies go up and down frequently, so don’t be afraid to buy a policy from a new company if you find a cheaper price.

Many drivers prefer to stick with one company, but it’s not a good idea if that inflexibility results in costing you money that could be spent on other things. Spend a few minutes and compare rates to find cheaper insurance for a Dodge Ram in Raleigh.

If you like to get some professional advice when shopping for the best coverage for a Ram pickup, the agencies below can probably help you decide which coverages and limits you need.

To locate an agency using an interactive map, click the button after the list.

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