It’s safe to assume that insurance companies want to prevent you from shopping around. Drivers who get price comparisons will, in all likelihood, buy a new policy because there is a high probability of finding lower prices. A recent study showed that people who faithfully checked for cheaper rates saved approximately $3,400 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding budget-friendly rates on auto insurance is the reason you’re here, then learning about the best way to shop and compare coverage rates can make it easier to find better rates.
It takes a little time, but the best way to find cheaper Dodge Ram insurance is to compare prices once a year from insurance carriers who sell insurance in Corpus Christi. Prices can be compared by completing these steps.
- Try to comprehend what is in your policy and the factors you can control to keep rates in check. Many factors that are responsible for high rates such as speeding and a substandard credit score can be amended by making minor driving habit or lifestyle changes.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices from multiple insurance companies.
- Compare the quotes to your existing rates and determine if cheaper Ram coverage is available in Corpus Christi. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current company to cancel your current coverage. Submit a completed application and payment to the newly selected company. As soon as coverage is bound, store the certificate verifying coverage in an easily accessible location.
The most important part of shopping around is that you use identical deductibles and limits on each quote and and to get price estimates from as many companies as feasibly possible. Doing this guarantees a fair price comparison and the best price quote selection.
Locating the best rates in Corpus Christi is really quite easy. In a nutshell, each driver who comparison shops for auto insurance most likely will be able to find lower rates. But Texas consumers need to learn how big insurance companies calculate your policy premium because rates fluctuate considerably.
Dodge Ram coverage analysis
The rate table shown below showcases different insurance rates for Dodge Ram models. Being aware of how insurance premiums are figured can be valuable when making decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$266||$404||$582||$34||$174||$1,460||$122|
|Ram Quad Cab TRX4 Off Road 2WD||$300||$492||$582||$34||$174||$1,582||$132|
|Ram Quad Cab SLT 2WD||$300||$492||$582||$34||$174||$1,582||$132|
|Ram Crew Cab ST 2WD||$300||$492||$582||$34||$174||$1,582||$132|
|Ram Quad Cab ST 4WD||$300||$492||$582||$34||$174||$1,582||$132|
|Ram Crew Cab SLT 2WD||$300||$492||$582||$34||$174||$1,582||$132|
|Ram Crew Cab TRX 2WD||$300||$492||$582||$34||$174||$1,582||$132|
|Ram Quad Cab SLT 4WD||$300||$492||$582||$34||$174||$1,582||$132|
|Ram Crew Cab ST 4WD||$300||$492||$582||$34||$174||$1,582||$132|
|Ram Crew Cab Sport 2WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Quad Cab Sport 2WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Quad Cab TRX4 Off Road 4WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Crew Cab TRX 4WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Crew Cab SLT 4WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Quad Cab Laramie 2WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Crew Cab Laramie 2WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Crew Cab Sport 4WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Quad Cab Sport 4WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Crew Cab Laramie 4WD||$334||$668||$582||$34||$174||$1,792||$149|
|Ram Quad Cab Laramie 4WD||$334||$668||$582||$34||$174||$1,792||$149|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in your specific Corpus Christi location which can impact insurance rates greatly.
The illustration below illustrates how choosing a deductible and can change Dodge Ram annual premium costs for different insured age categories. The premiums assume a married male driver, full coverage, and no other discounts are factored in.
Annual premiums comparing men and women in Corpus Christi
The example below shows the difference between Dodge Ram insurance costs for male and female drivers. The data assumes no claims or driving citations, full coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.
Price comparison of only insuring for liability
The example below illustrates the difference between Dodge Ram insurance rates with full physical damage coverage and with liability coverage only. The information is based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no exact formula to stop buying full coverage, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Dodge Ram settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying your deductible. If it’s costing you more than $600 annually for physical damage coverage, then it might be time to buy liability only.
There are a few situations where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.
Six Tips to Get More Affordable Corpus Christi Insurance Premiums
It’s important that you understand some of the things that go into determining the rates you pay for car insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with lower rates.
Listed below are some of the most rate-impacting factors that factor into prices.
Do you know you’re credit rating? – Credit score is a big factor in calculating your premium rate. Therefore, if your credit can be improved, you could pay less to insure your Dodge Ram by taking the time to improve your credit score. Insureds with good credit tend to be better drivers and file fewer claims than drivers with lower ratings.
Too many policy claims and you’ll pay more – Companies in Texas award cheaper rates to people that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect either policy cancellation or increased premiums. Insurance coverage is intended for the large, substantial claims.
Do you save by driving less? – Driving more miles in a year the higher your rate. The majority of insurers calculate rates based on their usage. Vehicles that do not get driven very much receive lower rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Ram may be costing you higher rates. It’s a smart idea to ensure your car insurance coverage properly reflects the correct driver usage, because improper ratings can cost you money.
More traffic equals higher premiums – Residing in small towns and rural areas can be a good thing when talking about car insurance. Drivers who live in large cities have much more traffic and longer commutes to work. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft.
Bundle and save – The majority of companies afford discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount you still need to check prices from other companies to verify if the discount is saving money.
How your age affects prices – Older, more experienced drivers are viewed as being more responsible, are lower risk to insure, and are safer drivers. Teenage drivers are statistically shown to be inattentive when driving so they pay higher car insurance rates.
The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Cheap coverage is out there
Consumers leave their current company for a number of reasons such as policy non-renewal, high prices, high rates after DUI convictions and being labeled a high risk driver. No matter why you want to switch, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
When you buy Corpus Christi auto insurance online, do not skimp on coverage in order to save money. There are many occasions where an accident victim reduced collision coverage to discover at claim time that they should have had better coverage. The goal is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
Budget-friendly car insurance in Corpus Christi can be purchased both online in addition to many Corpus Christi insurance agents, so you should compare both to have the best selection. Some insurance companies do not offer price quotes online and these small, regional companies only sell coverage through independent insurance agents.
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