Finding competitive coverage for a Dodge Ram in Ohio doesn’t take a lot of effort, but it is dependent upon many rating factors such as whether the vehicle is new, your profession, and citations or violations on your driving record. Ohio drivers will pay on average $838 per year for Ram insurance, but that amount is based upon a 30-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
There’s a good chance you may not be 30 years old (or even female), possibly single instead of married, or maybe your Ram is old enough that it doesn’t require full coverage. Having just a slight change in rating variables can result in a massive change in how much coverage for a Dodge Ram costs.
Every driver’s needs are different, and that is why the best way to find the cheapest rates for your Dodge is to compare as many rates as possible. In just a couple of minutes you will receive prices from some of the best companies that insure Dodge vehicles in Ohio.
The trim level of your vehicle will likely have an effect on the yearly cost, so the price you pay to insure a Ram Quad Cab ST 2WD will be $198 lower than the cost to insure the more costly Ram Quad Cab Laramie 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$170||$238||$262||$16||$78||$764||$64|
|Ram Quad Cab TRX4 Off Road 2WD||$192||$290||$262||$16||$78||$838||$70|
|Ram Quad Cab SLT 2WD||$192||$290||$262||$16||$78||$838||$70|
|Ram Crew Cab ST 2WD||$192||$290||$262||$16||$78||$838||$70|
|Ram Quad Cab ST 4WD||$192||$290||$262||$16||$78||$838||$70|
|Ram Crew Cab SLT 2WD||$192||$290||$262||$16||$78||$838||$70|
|Ram Crew Cab TRX 2WD||$192||$290||$262||$16||$78||$838||$70|
|Ram Quad Cab SLT 4WD||$192||$290||$262||$16||$78||$838||$70|
|Ram Crew Cab ST 4WD||$192||$290||$262||$16||$78||$838||$70|
|Ram Crew Cab Sport 2WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Quad Cab Sport 2WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Quad Cab TRX4 Off Road 4WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Crew Cab TRX 4WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Crew Cab SLT 4WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Quad Cab Laramie 2WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Crew Cab Laramie 2WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Crew Cab Sport 4WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Quad Cab Sport 4WD||$214||$342||$262||$16||$78||$912||$76|
|Ram Crew Cab Laramie 4WD||$214||$392||$262||$16||$78||$962||$80|
|Ram Quad Cab Laramie 4WD||$214||$392||$262||$16||$78||$962||$80|
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in zip code location which can change coverage rates noticeably.
Choosing the top insurance provider can be difficult considering how many different insurance companies sell coverage in Cleveland. The company information shown below could help you choose which companies you want to consider when trying to find cheaper insurance for a Dodge Ram.
The rankings below only include companies with a nationwide focus, so companies that may only write in Ohio are not factored into the list. If you’d like to compare prices from these and other companies in Ohio, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Rate comparison of full coverage and liability-only
Finding cheaper car insurance is important to most drivers, and one easy way to find cheaper insurance for a Dodge Ram is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of car insurance rates with and without physical damage coverage. The data assumes no accidents, no driving violations, $250 deductibles, single status, and no discounts are applied to the premium.
If we average all the age groups together, physical damage insurance costs an extra $1,657 per year over and above liability only. That is a big expense that brings up the question if full coverage is worth the money. There isn’t a steadfast formula of when to phase out comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after you pay the deductible. If it’s costing in excess of $800 annually for your policy with full coverage, then you might want to think about dropping full coverage.
Get discounts on Cleveland insurance
Insurance providers that offer cheap quotes for a Dodge Ram could also offer premium discounts that can lower rates by as much as 40% or more if you meet the requirements. A few of the larger companies and their possible discounts include:
- The Hartford policyholders can earn discounts including vehicle fuel type, anti-theft, driver training, defensive driver, air bag, and good student.
- American Family may have discounts that include Steer into Savings, multi-vehicle, TimeAway discount, good driver, air bags, early bird, and bundled insurance.
- Progressive includes discounts for online quote discount, homeowner, good student, multi-policy, continuous coverage, and multi-vehicle.
- Travelers offers discounts including multi-policy, payment discounts, driver training, early quote, IntelliDrive, and continuous insurance.
- Farmers Insurance has discounts for distant student, teen driver, homeowner, multi-car, bundle discounts, early shopping, and electronic funds transfer.
- USAA offers premium reductions for safe driver, new vehicle, annual mileage, military installation, and family discount.
- Liberty Mutual offers discounts for multi-policy, newly married, new vehicle discount, hybrid vehicle, and multi-car.
The chart below shows the difference between auto insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, claim-free, safe-driver, defensive driving course, anti-theft, and multiple policy discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance for a Dodge Ram is 28% or $382.
The information below demonstrates how deductible levels can influence insurance premiums when quoting cheap insurance for a Dodge Ram. Data assumes a single male driver, full coverage, and no other discounts are factored in.
A 40-year-old driver could save $268 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $406 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old example, could drop their prices as much as $880 or even more by choosing a larger deductible amount. If you do decide to increase your deductibles, it’s a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.