What Car Insurance is Cheapest for a Dodge Ram in Chandler?

Buying economical coverage for a Dodge Ram in Arizona can be really easy, but it relies on many rating factors such as the safety rating of your vehicle, your address, and whether or not you are a good driver. Drivers pay approximately $1,105 per year to insure their Ram, but that figure is an estimation calculated using a 30-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.

More likely than not, you are not 30 years old and maybe not even female, you might be single instead of married, or you just prefer to insure for liability only. Even a slight change in the factors used in pricing a policy can result in a large change in the price of a policy.

This example demonstrates why the best method for finding cheap insurance prices for your Dodge is to just take the time to compare rates yourself.

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The trim level of your Ram tends to have a direct effect on the cost of insurance, so the price to insure a Ram Quad Cab ST 2WD model will be $262 less expensive the insurance cost for the more well-appointed Ram Quad Cab Laramie 4WD version, as shown below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Prices do not factor in Chandler location which can decrease or increase rates greatly.

Auto insurance companies ranked

Insuring your vehicle with a good quality auto insurance company can be rather challenging considering how many choices you have in Arizona. The company rank data listed below may help you pick which companies to look at when trying find the best insurance for a Dodge Ram. These rankings are for major nationwide insurance companies, so companies that may only write in Arizona will not be included in the list.

Top 10 Major Auto Insurers in Chandler Ranked by A.M. Best Rating

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

Top 10 Major Auto Insurers in Chandler Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Irresponsible driving raises your rates

The easiest method to receive cheap auto insurance prices in Arizona for a Ram pickup is to be a good driver and avoid traffic citations and accidents. The example below shows how speeding tickets and accidents influence car insurance costs for each different age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

The data above shows the average cost of an auto insurance policy in Chandler per year with a clean driving record and no accidents is $1,397. Get two speeding tickets and the average cost jumps to $1,977, an increase of $580 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Dodge Ram jumps again to an average of $4,276. That’s an increase of $2,879, or $240 per month, just for not being attentive to the road!

Full coverage rates compared to liability-only

Finding cheaper auto insurance is probably important to the majority of drivers, and one common way to buy cheap insurance for a Dodge Ram is to only pay for liability coverage. The diagram below illustrates the difference between insurance premiums with liability coverage only compared to full coverage. The price estimates are based on no claims or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.

As an average, physical damage coverage costs $2,052 per year more than buying just liability insurance. At some point, about every driver wonders when is it a good idea to stop buying full coverage. There isn’t a written rule for eliminating full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $5,000 after paying the physical damage deductible. If premiums are more than $500 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

The diagram below illustrates how choosing a deductible can affect insurance prices when searching for cheap insurance for a Dodge Ram. The premiums are based on a single female driver, comp and collision included, and no discounts are applied.

A 50-year-old driver could lower their car insurance rates by $378 a year by switching from a $100 deductible up to a $500 deductible, or save $568 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could reduce their rates as much as $966 annually just by choosing higher deductibles when buying full coverage.

When choosing a higher deductible, it’s a good idea to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.