If you want to find the absolute lowest rates, then the best way to find cheaper quotes for Dodge Ram 2500 insurance in Raleigh is to make a habit of regularly comparing prices from companies that sell auto insurance in North Carolina. You can compare prices by completing these steps.
First, try to learn about car insurance and the steps you can take to keep rates low. Many things that increase rates such as speeding tickets, accidents and a poor credit rating can be controlled by paying attention to minor details.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agencies can provide price quotes for many different companies.
Third, compare the new rates to your existing rates to determine if you can save on Ram 2500 insurance in Raleigh. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
Fourth, tell your current agent or company of your decision to cancel your current car insurance policy and submit payment and a completed application to the newly selected company. Be sure to keep your new proof of insurance certificate in your vehicle's glove compartment or console.
A crucial key to this process is that you'll want to compare similar coverage information on every quote and and to get prices from as many companies as feasibly possible. This guarantees a fair rate comparison and the most accurate and complete price analysis.
Smart shoppers know that car insurance companies don't want you to look for cheaper rates. Drivers who get price comparisons are highly likely to move their business because there are good odds of finding better rates. A recent survey found that drivers who made a habit of comparing rate quotes saved an average of $70 a month compared to drivers who don't regularly compare prices.
If finding the cheapest rates on Dodge Ram 2500 insurance is your ultimate objective, then understanding the best ways to find and compare insurance can make it easier to find better rates.
The cheapest Raleigh Dodge Ram 2500 insurance quotes
Most larger insurance companies make it easy to get coverage price quotes on the web. Getting online quotes for Dodge Ram 2500 insurance in Raleigh is quite easy as you just type in the amount of coverage you want as requested by the quote form. When complete, their rating system automatically orders credit information and your driving record and returns a price.
Getting online price quotes for Dodge Ram 2500 insurance in Raleigh streamlines rate comparisons, and it's absolutely necessary to do this if you want to find the best rate.
To compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will have comparison quotes based on similar coverages.
The companies in the list below have been selected to offer free quotes in North Carolina. If multiple companies are listed, we recommend you compare several of them to find the cheapest car insurance rates.
Auto insurance analysis for a Dodge Ram 2500
The premium table shown below showcases estimates of insurance premium costs for Dodge Ram 2500 models. Learning more about how insurance quotes are calculated can be of help when making decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$186||$374||$296||$18||$88||$962||$80|
|Ram 2500 Crew Cab SLT 2WD||$186||$432||$296||$18||$88||$1,020||$85|
|Ram 2500 Mega Cab SLT 2WD||$186||$432||$296||$18||$88||$1,020||$85|
|Ram 2500 Crew Cab Laramie 2WD||$186||$432||$296||$18||$88||$1,020||$85|
|Ram 2500 Crew Cab ST 2WD||$186||$432||$296||$18||$88||$1,020||$85|
|Ram 2500 Mega Cab Laramie 2WD||$186||$432||$296||$18||$88||$1,020||$85|
|Ram 2500 Crew Cab ST 4WD||$208||$374||$296||$18||$88||$984||$82|
|Ram 2500 Crew Cab SLT 2WD||$208||$432||$296||$18||$88||$1,042||$87|
|Ram 2500 Mega Cab SLT 2WD||$208||$432||$296||$18||$88||$1,042||$87|
|Ram 2500 Mega Cab SLT 4WD||$208||$374||$296||$18||$88||$984||$82|
|Ram 2500 Crew Cab SLT 4WD||$208||$374||$296||$18||$88||$984||$82|
|Ram 2500 Crew Cab Laramie 2WD||$208||$488||$296||$18||$88||$1,098||$92|
|Ram 2500 Mega Cab Laramie 2WD||$208||$488||$296||$18||$88||$1,098||$92|
|Ram 2500 Crew Cab ST 4WD||$208||$374||$296||$18||$88||$984||$82|
|Ram 2500 Mega Cab Laramie 4WD||$208||$374||$296||$18||$88||$984||$82|
|Ram 2500 Crew Cab Laramie 4WD||$208||$374||$296||$18||$88||$984||$82|
|Ram 2500 Mega Cab SLT 4WD||$230||$432||$296||$18||$88||$1,064||$89|
|Ram 2500 Crew Cab SLT 4WD||$230||$432||$296||$18||$88||$1,064||$89|
|Ram 2500 Crew Cab Laramie 4WD||$230||$432||$296||$18||$88||$1,064||$89|
|Ram 2500 Mega Cab Laramie 4WD||$230||$432||$296||$18||$88||$1,064||$89|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in garaging location in Raleigh which can lower or raise prices considerably.
The chart below demonstrates how deductible levels and can affect Dodge Ram 2500 insurance costs for different age groups of insureds. The premiums assume a married female driver, comp and collision included, and no other discounts are factored in.
Dodge Ram 2500 insurance costs by age and gender
The illustration below shows the comparison of Dodge Ram 2500 insurance costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Does it make sense to buy full coverage?
The information below illustrates the comparison of Dodge Ram 2500 auto insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no accidents or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no exact rule to stop buying physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let's assume your Dodge Ram 2500 claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If it's costing you more than $700 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some cases where removing full coverage is not in your best interest. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Three good reasons to insure your Ram 2500
Despite the high cost, insurance may be required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability in order to be legal. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your car, almost every bank will require you to have comprehensive coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Dodge at a more expensive rate and require you to reimburse them for the much more expensive policy.
Third, insurance safeguards both your assets and your vehicle. It also can pay for medical expenses incurred in an accident. One policy coverage, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If your Dodge gets damaged, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance greatly outweigh the cost, especially for larger claims. An average driver in America is wasting up to $750 every year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.
Why Your Insurance Prices might be higher
Many things are used when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but some are not quite as obvious like where you live and annual miles driven.
Listed below are some of the most rate-impacting factors that factor into your rate level.
Premiums increase with driving tickets - Drivers with clean records receive lower rates than bad drivers. Even one chargeable violation may increase your cost twenty percent or more. Drivers who get severe violations like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
The information below shows how speeding tickets and fender-benders influence Dodge Ram 2500 auto insurance costs for different categories of driver ages. Data assumes a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
Consider raising comp and collision deductibles - Physical damage insurance, also called comprehensive and collision insurance, covers your vehicle from damage. Examples of some claims that would be covered are running into the backend of another car, hail damage, and having your car stolen. Your deductibles are how much the insured will be required to pay in the event of a claim. The higher the amount you pay before a claim is paid (deductible), the better rate you will receive.
You might pay more if you are single - Getting married may cut your premiums on your policy. Having a significant other means you're more mature it has been statistically shown that married drivers get in fewer accidents.
Lower premiums for safer cars - Cars with five star safety ratings cost less to insure. These vehicles reduce injuries and fewer serious injuries translates directly to fewer claims which can result in lower premiums. If your Dodge Ram 2500 has at least four stars on Safercar.gov you may be receiving a better rate.
Remove unneeded extra coverages - There are a ton of extra add-on coverages you can purchase when buying insurance. Coverage for things like replacement cost coverage, death and dismemberment, and membership fees are some examples. These may sound like a good investment when discussing your needs, but if they're wasting money eliminate the coverages to reduce your premium.
Get cheaper Dodge Ram 2500 insurance in Raleigh with discounts
Auto insurance companies don't necessarily list the complete list of policy discounts very well, so the following is a list of some of the best known and also the more inconspicuous credits available to lower your premiums when you buy Raleigh auto insurance online.
- Sign Early and Save - A few insurance companies allow discounts for switching companies before your current expiration date. Ten percent is about the average savings.
- Low Mileage Discounts - Fewer annual miles on your Dodge could qualify for lower rates due to less chance of an accident.
- Save with More Vehicles Insured - Purchasing coverage when you have more than one vehicle with the same car insurance company can reduce rates for all insured vehicles.
- Claim-Free Discount - Insureds with no claims or accidents are rewarded with significantly better rates on Raleigh auto insurance quote in comparison to drivers who are more careless.
- Anti-theft Discount - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Telematics Data - Drivers that enable their car insurance company to analyze when and where they use their vehicle by using a telematics device such as Progressive's Snapshot and State Farm's In-Drive may get a rate reduction if they show good driving skills.
- Seat Belts Save - Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Distant Student - College-age children who attend college more than 100 miles from Raleigh and leave their car at home may be able to be covered for less.
- Passive Restraints - Factory air bags or automatic seat belts can qualify for discounts up to 30%.
Please keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you could get a free car insurance policy, nobody gets a free ride.
The chart below shows the difference between Dodge Ram 2500 car insurance costs with and without discounts applied. The data is based on a male driver, no claims or driving citations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, marriage, and safe-driver discounts applied.
To locate car insurance companies that offer some of these discounts in Raleigh, click here to view.
Exclusive versus independent car insurance agents
Many people just want to buy from a licensed agent and doing so can bring peace of mind Professional agents are trained to spot inefficiencies and help submit paperwork. A nice benefit of comparing rates online is that you can obtain better rates and still have an agent to talk to.
After completing this form (opens in new window), your insurance data is immediately sent to insurance agents in Raleigh who want to provide quotes and help you find cheaper coverage. You won't need to leave your house as quotes are delivered to you directly. If you wish to compare prices from a specific auto insurance provider, you would need to find their quoting web page and submit a quote form there.
Picking an provider requires more thought than just the quoted price. Here are some questions to ask:
- Does the agency have a current Errors and Omissions policy?
- Which companies do they recommend if they are an independent agency?
- Are there any extra charges for paying monthly?
- What will you get paid if your car is a total loss? How is that amount determined?
- Has the agent ever had any license suspensions?
- Is there a 24/7 contact number?
- How many companies do they write for?
- Are they able to provide referrals?
If you want to use local Raleigh agents, there are two types of agencies and how they function. Agents can be categorized as either independent (non-exclusive) or exclusive. Either type can sell auto insurance policies, but it's a good idea to understand why they differ because it can factor into buying decisions.
Exclusive Insurance Agents
Agents that elect to be exclusive work for only one company such as Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so keep that in mind. These agents receive extensive training on what they offer and that allows them to sell at a higher price point. Consumers often use the same agent mostly because of the prominence of the brand and strong financial ratings.
Below are exclusive agencies in Raleigh who may provide you with comparison quotes.
- Carmen Ritz - State Farm Insurance Agent
1814 Oberlin Rd #101 - Raleigh, NC 27608 - (919) 783-8722 - View Map
- John Hill - State Farm Insurance Agent
7320 Six Forks Rd #200 - Raleigh, NC 27615 - (919) 848-0644 - View Map
- GEICO Insurance Agent
5011 Falls of Neuse Rd A - Raleigh, NC 27609 - (919) 862-1300 - View Map
Independent Agencies or Brokers
These agents are not restricted to one company so they can quote policies with lots of companies and find the cheapest auto insurance rates. If you want to switch companies, the business is moved internally which makes it simple for you. If you are comparing auto insurance prices, it's recommended you include rate quotes from several independent agencies to get the most accurate price comparison. They also have the ability to place coverage with lesser-known insurance companies that may provide cheaper auto insurance rates.
The following are Raleigh independent insurance agencies who can help you get comparison quotes.
- Protective Agency
2026 New Bern Ave - Raleigh, NC 27610 - (919) 231-2281 - View Map
- ACF Insurance Services, Inc.
4634 Capital Blvd - Raleigh, NC 27604 - (919) 878-7786 - View Map
- Compare Insurance Agency LLC
6531 Creedmoor Rd # 206 - Raleigh, NC 27613 - (919) 863-0150 - View Map
You can lower your auto insurance rates
Insureds change insurance companies for many reasons like extreme rates for teen drivers, high prices, denial of a claim or delays in paying claims. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.
We just presented a lot of tips how to lower your Dodge Ram 2500 insurance car insurance rates in Raleigh. The key thing to remember is the more you quote Raleigh auto insurance, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from the smaller companies.
More affordable auto insurance in Raleigh is possible both online as well as from independent agents in Raleigh, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not provide the ability to get quotes online and usually these small insurance companies sell through local independent agents.
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