Buying cheap car insurance for a Dodge Ram can be really easy, but it depends on a complicated formula that considers factors such as miles driven annually, the performance level of your vehicle, and any prior driving citations you have received. Drivers pay approximately $1,240 a year for Ram insurance, but that cost is a projection based upon a 50-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
But there is a high probability that you are not 50 and maybe not even a male, you might be single instead of married, or maybe you have a speeding ticket or two that will increase rates. Each driver’s needs are different, and that demonstrates why the way we recommend to find the cheapest rates for your Dodge is to just compare rates yourself.
The trim level of your Dodge will most likely have an effect on price, so the rate you will pay to insure a Ram Quad Cab ST 2WD model will be $284 less expensive the insurance cost for the higher-end 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||$230||$346||$414||$24||$124||$1,138||$95|
|Ram Quad Cab TRX4 Off Road 2WD||$260||$422||$414||$24||$124||$1,244||$104|
|Ram Quad Cab SLT 2WD||$260||$422||$414||$24||$124||$1,244||$104|
|Ram Crew Cab ST 2WD||$260||$422||$414||$24||$124||$1,244||$104|
|Ram Quad Cab ST 4WD||$260||$422||$414||$24||$124||$1,244||$104|
|Ram Crew Cab SLT 2WD||$260||$422||$414||$24||$124||$1,244||$104|
|Ram Crew Cab TRX 2WD||$260||$422||$414||$24||$124||$1,244||$104|
|Ram Quad Cab SLT 4WD||$260||$422||$414||$24||$124||$1,244||$104|
|Ram Crew Cab ST 4WD||$260||$422||$414||$24||$124||$1,244||$104|
|Ram Crew Cab Sport 2WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Quad Cab Sport 2WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Quad Cab TRX4 Off Road 4WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Crew Cab TRX 4WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Crew Cab SLT 4WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Quad Cab Laramie 2WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Crew Cab Laramie 2WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Crew Cab Sport 4WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Quad Cab Sport 4WD||$288||$496||$414||$24||$124||$1,346||$112|
|Ram Crew Cab Laramie 4WD||$288||$572||$414||$24||$124||$1,422||$119|
|Ram Quad Cab Laramie 4WD||$288||$572||$414||$24||$124||$1,422||$119|
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Table data does not factor in vehicle location which can alter auto insurance rates significantly.
Ratings for Corpus Christi auto insurance companies
Ending up with a highly-rated car insurance provider can be challenging considering how many choices you have in Texas. The company information shown below may help you decide which companies you want to consider when shopping around.
The ratings below include companies that insure vehicles across America, so companies that only write business in Texas or surrounding areas will not be included in these rankings. To compare rates from these and other top-rated companies, click this link.
|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
Impact of speeding/accidents on auto insurance rates
The obvious way to obtain the most affordable auto insurance premiums for a Ram pickup is to be a careful driver and avoid getting tickets or having accidents. The chart below illustrates how violations and at-fault accidents can impact insurance premiums for different insured age categories. The premium estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of a car insurance policy in Texas per year with no accidents and a clean driving record is $2,088. Factor in two speeding tickets and the average cost surges to $2,786, an increase of $698 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Dodge Ram increases to an average of $3,492. That’s an increase of $1,404, or $117 per month, just for not driving attentively!
Full coverage rates compared to liability only
Finding cheaper auto insurance is important to the majority of drivers, and one way to pay less for insurance for a Dodge Ram is to only pay for liability coverage. The information below shows the difference between yearly insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no claims or violations, $100 deductibles, drivers are not married, and no discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage on your policy costs an additional $3,026 per year over and above liability only. That touches on the question if it’s worth it to buy full coverage. There is no definitive formula to stop buying physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
There are some cases where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
Discount Corpus Christi auto insurance rates
Insurers that provide coverage for a Dodge Ram may also offer special discounts that may potentially lower prices by as much as 30% if you can meet the requirements. Larger auto insurance companies and a summarized list of policyholder discounts can be read below.
- Esurance policyholders can earn discounts including multi-policy, safety device, paid-in-full, Pac-12 alumni, and good student.
- The Hartford has discounts for air bag, bundle, defensive driver, driver training, vehicle fuel type, and anti-theft.
- AAA has savings for multi-car, education and occupation, good student, anti-theft, AAA membership discount, multi-policy, and good driver.
- GEICO offers discounts including federal employee, anti-lock brakes, anti-theft, membership and employees, defensive driver, and driver training.
- State Farm may have discounts that include good driver, safe vehicle, accident-free, good student, driver’s education, passive restraint, and student away at school.
The illustration below shows the comparison of insurance rates with and without discounts applied to the policy premium. Data assumes a female driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, passive restraint, defensive driving course, anti-theft, safe-driver, and multiple policy discounts applied. In this example, theaverage yearly reduction on auto insurance for a Dodge Ram is 28% or $726.
If you would rather have a little guidance when shopping around for cheaper insurance for a Dodge Ram, the insurance agencies below are willing to answer your questions and help you decide which auto insurance coverages would be the best in your situation. To locate a Corpus Christi car insurance agency close to you, click the button after the list or click here to compare prices now.
- Star Advantage Insurance Agency
15201 S Padre Island Dr – Corpus Christi, TX 78418 – (361) 949-0396
- Joe Morales Insurance
5230 Kostoryz Rd # 18 – Corpus Christi, TX 78415 – (361) 852-4292
- Allstate Insurance: James Aleman
6262 Weber Rd Ste 112 – Corpus Christi, TX 78413 – (361) 806-2133
- Reed Insurance Agency
6500 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 994-1886
- Farmers Insurance – Stephanie Waterman
5433 S Staples St, Ste P3 – Corpus Christi, TX 78411 – (361) 906-9400