Are you sick of overpaying and want more competitive Dodge Ram insurance in Phoenix? Are you tired of wondering where the money will come from to keep your car insured? You have the same problem as many other Arizona consumers.
A recent auto insurance study discovered that the vast majority of consumers kept buying from the same company for over three years, and just short of a majority have never compared auto insurance rates at all. Arizona drivers can save about $730 each year, but they underestimate the large savings they would see if they switch to a new company.
You have multiple car insurance companies to purchase coverage from, and though it is a good thing to have a choice, more choices can make it harder to find the lowest rates for Dodge Ram insurance in Phoenix.
You should make it a habit to check auto insurance prices before your next renewal because auto insurance rates trend upward over time. If you had the best rate on Dodge Ram insurance in Phoenix at your last renewal you will most likely find a better price today. Don't believe everything you read about Ram insurance out there, but I'm going to show you some solid techniques on how to lower your auto insurance bill.
Cheap Dodge insurance rate quotes in Phoenix
The companies shown below can provide comparison quotes in Arizona. If your goal is to find the best cheap car insurance in Arizona, we suggest you visit two to three different companies in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$202||$326||$326||$20||$98||$972||$81|
|Ram Quad Cab TRX4 Off Road 2WD||$212||$314||$338||$20||$102||$986||$82|
|Ram Quad Cab SLT 2WD||$224||$402||$382||$22||$114||$1,144||$95|
|Ram Crew Cab ST 2WD||$180||$302||$458||$28||$136||$1,104||$92|
|Ram Quad Cab ST 4WD||$166||$268||$326||$20||$98||$878||$73|
|Ram Crew Cab SLT 2WD||$208||$362||$410||$24||$122||$1,126||$94|
|Ram Crew Cab TRX 2WD||$206||$308||$346||$20||$104||$984||$82|
|Ram Quad Cab SLT 4WD||$250||$456||$356||$22||$106||$1,190||$99|
|Ram Crew Cab ST 4WD||$292||$466||$338||$20||$102||$1,218||$102|
|Ram Crew Cab Sport 2WD||$232||$426||$410||$24||$122||$1,214||$101|
|Ram Quad Cab Sport 2WD||$282||$450||$346||$20||$104||$1,202||$100|
|Ram Quad Cab TRX4 Off Road 4WD||$154||$284||$356||$22||$106||$922||$77|
|Ram Crew Cab TRX 4WD||$236||$370||$338||$20||$102||$1,066||$89|
|Ram Crew Cab SLT 4WD||$224||$382||$318||$18||$96||$1,038||$87|
|Ram Quad Cab Laramie 2WD||$206||$290||$444||$26||$132||$1,098||$92|
|Ram Crew Cab Laramie 2WD||$216||$342||$348||$20||$104||$1,030||$86|
|Ram Crew Cab Sport 4WD||$204||$364||$356||$22||$106||$1,052||$88|
|Ram Quad Cab Sport 4WD||$278||$538||$356||$22||$106||$1,300||$108|
|Ram Crew Cab Laramie 4WD||$324||$652||$458||$28||$136||$1,598||$133|
|Ram Quad Cab Laramie 4WD||$138||$276||$318||$18||$96||$846||$71|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in specific location information which can change insurance rates greatly.
The illustration below demonstrates how choosing different deductibles and can increase or decrease Dodge Ram insurance costs for each different age group. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Score discounts to get cheaper Phoenix car insurance rates
Not too many consumers would say car insurance is affordable, but companies offer discounts that could drop your premiums quite a bit. Certain reductions will be credited when you purchase, but occasionally some discounts must be asked for prior to receiving the credit.
- Federal Government Employee - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
- Online Discount - A few companies may give you up to $50 for buying your policy on their website.
- Passive Restraints - Vehicles equipped with air bags can receive discounts up to 30%.
- Safe Drivers - Insureds who avoid accidents may receive a discount up to 45% compared to accident prone drivers.
- Include Life Insurance and Save - Larger companies have a discounted car insurance rate on car insurance if you buy some life insurance too.
- Lower Rates for Military - Being deployed in the military could trigger a small discount.
One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like it's possible to get free car insurance, you aren't that lucky.
To locate companies with significant discounts in Arizona, click here to view.
Don't I need to talk to an insurance agent?
A small number of people just want to talk to an insurance agent and often times that is recommended A good thing about getting online price quotes is the fact that you can find lower rates but still work with a licensed agent. Buying from and supporting neighborhood insurance agencies is definitely important in Phoenix.
Once you complete this short form, your coverage information is transmitted to agents in your area who can give free rate quotes for your insurance coverage. There is no need to leave your computer because quoted prices will be sent instantly to you. It's the lowest rates without the usual hassles of price shopping. If you wish to compare prices from one company in particular, don't hesitate to jump over to their website and fill out the quote form the provide.
If you want a good Phoenix insurance agent, there are two different agency structures and how they are slightly different. Insurance agencies in Phoenix can be described as either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agents (or Brokers)
Independent insurance agents are not employed by any specific company so they can insure your vehicles with lots of companies and get the cheapest rates. If you want to switch companies, they simply switch companies in-house and that require little work on your part. If you are trying to find cheaper rates, it's recommended you get quotes from a couple of independent agencies for maximum quote selection.
Featured below is a list of independent insurance agents in Phoenix who may be able to give you free rate quotes.
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company's rates and examples are State Farm, Allstate and AAA. They generally cannot provide other company's prices so it's a take it or leave it situation. They are well schooled on sales techniques which can be an advantage.
Listed below is a short list of exclusive insurance agents in Phoenix willing to provide price quotes.
Mary Parada - State Farm Insurance Agent
3414 W Bell Rd - Phoenix, AZ 85053 - (602) 942-9202 - View Map
Picking an insurance agent should depend on more than just the bottom line cost. These questions are important to ask:
- What will you get paid if your car is a total loss? How is that amount determined?
- Is the agent CPCU or CIC certified?
- Do they specialize in personal lines auto insurance in Phoenix?
- If they are an independent agency in Phoenix, which companies do they recommend?
- Is insurance their full-time profession?
- How often do they review policy coverages?
Big names are not always cheapest
GEICO, State Farm and Progressive seem to constantly run ads on TV and radio. All the companies have a common claim that drivers will save a bundle just by switching to their company. It sounds good, but how can they all save you money on Dodge Ram insurance in Phoenix?
Insurance companies have strict underwriting profiles for the type of customer that will add to their bottom line. One example of a desirable risk might be described as married and over the age of 30, carries full coverage, and does not commute to work. Anyone who meets those qualifications receives the best premium rates in Phoenix and have a good chance to pay quite a bit less when switching companies.
Consumers who don't qualify for these criteria may receive a more expensive rate with the end result being the driver buying from a lower-cost company. The trick companies use is to say "drivers that switch" but not "all drivers who get quotes" save that much when switching. That is how insurance companies can lure you into getting a quote.
This emphasizes why you should compare price quotes frequently. Because without a comparison, you cannot know which auto insurance company will provide you with the cheapest Dodge Ram insurance in Phoenix.
Affordable car insurance premiums are possible
As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford.
You just learned some good ideas how to lower your Dodge Ram insurance auto insurance rates in Phoenix. The key concept to understand is the more providers you compare, the better likelihood of getting the cheapest Dodge Ram rate quotes. You may even find the biggest savings come from a company that doesn't do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.
For more information, feel free to visit these articles:
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- What Auto Insurance is Cheapest in Sierra Vista, Arizona? (FAQ)
- What Car Insurance is Cheapest for 19 Year Olds in Arizona? (FAQ)
- What Auto Insurance is Cheapest in Lake Havasu City, Arizona? (FAQ)
- How Much are Car Insurance Quotes for Homeowners in Arizona? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Mazda CX-7 in Arizona? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Booster Seat Ratings (iihs.org)