Cheap Rate Quotes for Dodge Ram 3500 Insurance in Cleveland

Do you want to stop overpaying and find lower-priced auto insurance rates in Cleveland, OH? Cleveland shoppers have a choice when shopping for affordable Dodge Ram 3500 insurance. You can either waste hours driving around getting price quotes or use the internet to compare rates.

There are more efficient ways to shop for auto insurance and we’ll show you the absolute fastest way to compare rates on a Dodge and find the cheapest rates from both online companies and Cleveland agents.

This information will teach you a little about how insurance works and some tricks to saving. If you currently have a car insurance policy, you will be able to get lower rates using these techniques. Drivers just need to learn the most efficient way to compare insurance rates using one simple form.

Getting a low cost price on insurance is not rocket science. You just have to spend a few minutes to compare rate quotes to see which company has cheaper Cleveland auto insurance quotes.

The following companies have been selected to offer free rate quotes in Cleveland, OH. If you wish to find cheap car insurance in Ohio, we recommend you visit as many as you can to get the best price comparison.

Insurance discounts are available for cheaper rates

Car insurance can cost a lot, but you might already qualify for some discounts that can dramatically reduce your bill. Most are applied at quote time, but some need to be specially asked for prior to receiving the credit. If you aren’t receiving every discount you qualify for, you could be saving more on your insurance.

• Life Insurance Discount – Select companies reward you with lower premium rates if you buy some life insurance in addition to your auto policy.
• Employee of Federal Government – Active or former government employment can save as much as 8% depending on your company.
• Sign Online – Some companies give back up to $50 for buying a policy and signing up digitally online.
• Military Discounts – Having a family member in the military could mean lower premium rates.
• Theft Deterrent System – Cars optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more on Ram 3500 insurance in Cleveland.
• First Accident Forgiveness – Not a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
• Bundled Policy Discount – If you have multiple policies with the same company you may save as much as 10 to 15 percent.
• Distant College Student Discount – Children living away from Cleveland attending college and don’t have a car can receive lower rates.

Keep in mind that most discount credits are not given to the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

The information below shows the difference between Dodge Ram 3500 car insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, marriage, and multi-car discounts applied.

Larger insurance companies and a partial list of their discounts are included below.

• Farmers Insurance may have discounts that include switch companies, multi-car, pay in full, youthful driver, good student, and business and professional.
• Esurance offers discounts for anti-lock brakes, safety device, online quote, defensive driver, anti-theft, DriveSense, and good driver.
• State Farm policyholders can earn discounts including anti-theft, Drive Safe & Save, driver’s education, safe vehicle, good student, and multiple autos.
• GEICO offers premium reductions for good student, multi-policy, five-year accident-free, multi-vehicle, defensive driver, and daytime running lights.
• Allstate discounts include good payer, senior citizen, multi-policy, economy car, EZ pay plan discount, and eSmart discount.

If you are trying to find affordable Cleveland auto insurance quotes, ask each company to apply every possible discount. Some credits might not apply in every state. To locate companies who offer online Dodge Ram 3500 insurance quotes in Cleveland, click this link.

Rates and data analysis

The rate table shown below showcases detailed analysis of prices for Dodge Ram 3500 models. Having a better idea how rate quotes are determined can be valuable when making decisions on which insurance to purchase.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can raise or lower insurance rates noticeably.

Where to set your deductibles

One frequently asked question is how high should the deductibles for physical damage be. The data tables below lay out the differences in premium rates when you choose different insurance deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in garaging location in Cleveland which can lower or raise premium rates substantially.

We can estimate from the data above that using a $100 deductible costs about $21 more each month or $252 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 19 months between claim filings, you would probably be better off if you elect the higher deductible.

The illustration below demonstrates how choosing different deductibles and can affect Dodge Ram 3500 insurance rates for each different age group. The prices are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Gender-based car insurance premiums in Cleveland

The information below shows the difference between Dodge Ram 3500 annual premium costs for male and female drivers. The data is based on no claims or violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Full coverage rates vs. liability-only in Cleveland

The information below illustrates the difference between Dodge Ram 3500 yearly insurance costs when comparing full coverage to liability only. The data is based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

Are you wasting money on full coverage?

There isn’t a steadfast formula to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Dodge Ram 3500 book value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying your policy deductible. If it’s costing in excess of $500 annually for physical damage coverage, then it might be time to buy liability only.

There are some circumstances where dropping full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Informed Drivers Can Cut Insurance Costs

Many factors are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving record, but others are not as apparent such as your credit history or your financial responsibility.

The list below includes a partial list of the pieces used by your company to calculate your prices.

• Age of drivers impacts costs – Inexperience drivers have a tendency to be easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Adding a young driver to your car insurance policy can be very expensive. More mature drivers have been proven to be more responsible, are lower risk to insure, and tend to be get fewer driving tickets.

  The next chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Is your vehicle built for speed? – The performance level of the vehicle you own makes a big difference in how high your rates are. The cheapest insurance rates are usually for small economy passenger vehicles, but many other things help determine your insurance rates.

  The following data uses these assumptions: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It illustrates Dodge Ram 3500 policy rates compared to other makes and models that have different performances.

• Your spouse saves you money – Walking down the aisle may cut your premiums on your car insurance bill. Marriage translates into being more mature and responsible and it’s proven that married drivers tend to have fewer serious accidents.
• Save money with responsible credit – An insured’s credit score can be an important factor in calculating your premium rate. If your credit rating could use some work, you could save money insuring your Dodge Ram 3500 if you clean up your credit. Consumers who have excellent credit scores tend to file fewer claims as compared to drivers with lower ratings.
• Safer cars means cheaper insurance – Vehicles that have high safety ratings tend to be cheaper to insure. Safer cars protect occupants better and fewer serious injuries translates into fewer and smaller insurance claims and lower rates for you.

Comparing prices from local Cleveland insurance agencies

Some people still like to go talk to an agent and we recommend doing that Professional insurance agents are trained risk managers and help file insurance claims. The biggest benefit of comparing rates online is that you can obtain cheap auto insurance quotes but still work with a licensed agent. Supporting local agencies is definitely important in Cleveland.

For easy comparison, once you complete this quick form, your information is immediately sent to local insurance agents in Cleveland who will give you bids for your auto insurance coverage. You won’t need to search for an agent because quoted prices will be sent to you. If you need to get a price quote from a specific auto insurance provider, you just need to visit that company’s website and submit a quote form there.

The type of auto insurance agent you choose is important

If you prefer to buy auto insurance from a local insurance agency, it helps to know the two different types of agents to choose from. Insurance agencies in Cleveland are considered either exclusive or independent. Either can sell auto insurance policies, but it’s worth mentioning the difference in how they write coverage because it can influence buying decisions.

Independent Auto Insurance Agents (or Brokers)

Independent agents are not employed by any specific company and that enables them to quote your coverage through lots of different companies and get you the best rates possible. To transfer your coverage to a different company, your policy is moved internally and you can keep the same agent. When comparing auto insurance prices, it’s recommended you contact several independent agencies so that you can do a thorough price comparison. They also have the ability to place coverage with smaller companies that may provide cheaper auto insurance rates.

Below are independent insurance agents in Cleveland that may be able to give you rate quotes.

• Brown Brown Insurance Services
  3691 Lee Rd #210 – Cleveland, OH 44120 – (216) 751-2713 – View Map
• Insurance Consultants Agency
  23980 Chagrin Blvd – Cleveland, OH 44122 – (216) 766-6300 – View Map
• Pinkney-Perry Insurance
  1701 E 12th St #101 – Cleveland, OH 44114 – (216) 795-1995 – View Map

More insurance agents

Exclusive Agents

Exclusive insurance agents can only provide one company’s prices and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on their company’s products which helps them compete with independent agents. Drivers often choose to use an exclusive agent partially due to the brand name rather than having the cheapest rates.

Listed below are Cleveland exclusive agents that can give you comparison quotes.

• Allstate Insurance: Teresa C. Paez
  15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526 – View Map
• Allstate Insurance: Nanci Cieckiewicz
  4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map
• Jinisha Patel – State Farm Insurance Agent
  4342 Ridge Rd – Brooklyn, OH 44144 – (216) 741-6100 – View Map

More insurance agents

Picking the best insurance agent shouldn’t rely on just the price. You should also get answers to these questions.

• Do they prorate repair cost based on vehicle mileage?
• Do they specialize in personal lines coverage in Cleveland?
• How much experience to they have in personal lines coverages?
• Does the company have a solid financial rating?
• How are claims handled?
• How would your car be valued if totaled?
• Is working in the agency their full-time job?

It’s not one size fits all

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions may help you determine whether or not you would benefit from professional advice.

• Do I need rental car coverage?
• When should I buy a commercial auto policy?
• Will I lose any money if I cancel my policy before it expires?
• Which companies are cheaper for teen drivers?
• Should I get collision insurance on every vehicle?
• Do I have coverage for damage caused while driving under the influence?
• Is a driver training discount available?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance companies ranked

Ending up with a highly-rated auto insurance provider can be a challenge considering how many companies provide coverage in Ohio. The information listed below can help you pick which companies you want to consider when shopping around.

Top 10 Cleveland Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Progressive – A+
7. Erie Insurance – A+
8. Mercury Insurance – A+
9. The Hartford – A+
10. Nationwide – A+

Top 10 Cleveland Car Insurance Companies Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Erie Insurance
5. State Farm
6. Liberty Mutual
7. Safeco Insurance
8. Allstate
9. 21st Century
10. Travelers

Persistent drivers can save

You just learned some good ideas how to shop for Dodge Ram 3500 insurance online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a smaller regional carrier.

Drivers leave their current company for any number of reasons including denial of a claim, delays in responding to claim requests, unfair underwriting practices and being labeled a high risk driver. Whatever your reason, finding a great new company is not as difficult as it may seem.

A few companies may not have price quotes online and many times these smaller providers work with local independent agents. Affordable Dodge Ram 3500 insurance in Cleveland can be purchased on the web and from local agencies, so you need to compare both to have the best rate selection.

Steps to finding the cheapest rates for Dodge Ram 3500 insurance in Cleveland

If saving money is your primary concern, then the best way to get the cheapest auto insurance rates in Cleveland is to start comparing rates regularly from providers in Ohio. Rate comparisons can be done by completing these steps.

• First, try to learn a little about the different coverages in a policy and the factors you can control to prevent high rates. Many policy risk factors that cause high rates like multiple speeding tickets and a less-than-favorable credit rating can be controlled by making minor changes in your lifestyle.
• Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Allstate, while independent agencies can give you price quotes from multiple companies.
• Third, compare the new quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.

A key point to remember is to try to compare the same level of coverage on each quote and and to compare as many companies as possible. This provides an apples-to-apples comparison and a complete price analysis.

Additional information can be read on the following sites:

• Liability Insurance Coverage (Nationwide)
• What Car Insurance is Cheapest for a Honda Accord in Cleveland? (FAQ)
• Who Has Affordable Cleveland Car Insurance Quotes for Lyft Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Unemployed Drivers in Cleveland? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a Toyota RAV4 in Cleveland? (FAQ)
• Frontal Crash Tests (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)