Auto Insurance Rate Quotes for a Dodge Ram in Irvine

Do you want an efficient way to compare low-cost Dodge Ram insurance in Irvine? Are you burned out from wondering where the money will come from to buy insurance? You are no different than many other California consumers.

Discount Dodge Ram insuranceIt’s safe to assume that auto insurance companies don’t want their policyholders to compare prices. Consumers who shop around for cheaper price quotes will, in all likelihood, switch companies because there is a good chance of finding better rates. A recent survey revealed that people who compared rates annually saved on average $850 each year compared to people who never shopped around for better prices.

If finding the lowest price for Dodge Ram insurance in Irvine is your ultimate objective, then having a good understanding how to quote prices and compare auto insurance can help you succeed in saving money.

Steps to finding more affordable Dodge Ram insurance in Irvine

If you want to find the absolute lowest rates, then the best way to get cheaper Dodge Ram insurance is to make a habit of regularly comparing prices from different companies who sell insurance in Irvine. You can compare prices by following these guidelines.

One key aspect when comparing rates is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and and to look at as many different insurance providers as possible. Doing this enables an accurate price comparison and the best price selection.

Insurance companies such as State Farm, Progressive and GEICO continually hit you with TV and radio ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

You need to do price comparisons as often as possible since insurance prices fluctuate regularly. Just because you found the best deal on Dodge Ram insurance in Irvine a couple years back other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn the right way to lower your rates without sacrificing coverage.

Affordable companies for Dodge Ram insurance

The companies in the list below are ready to provide comparison quotes in California. If you want to find the cheapest car insurance in Irvine, CA, we suggest you visit several of them to get the best price comparison.

Statistics and details

The coverage table shown next outlines estimates of insurance premium costs for Dodge Ram models. Having a better idea how car insurance premiums are determined can help customers make smart choices when purchasing an insurance policy.

Dodge Ram Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $296 $480 $480 $28 $144 $1,428 $119
Ram Quad Cab TRX4 Off Road 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Quad Cab SLT 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab ST 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Quad Cab ST 4WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab SLT 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab TRX 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Quad Cab SLT 4WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab ST 4WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab Sport 2WD $372 $688 $480 $28 $144 $1,712 $143
Ram Quad Cab Sport 2WD $372 $688 $480 $28 $144 $1,712 $143
Ram Quad Cab TRX4 Off Road 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab TRX 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab SLT 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Quad Cab Laramie 2WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab Laramie 2WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab Sport 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Quad Cab Sport 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab Laramie 4WD $372 $792 $480 $28 $144 $1,816 $151
Ram Quad Cab Laramie 4WD $372 $792 $480 $28 $144 $1,816 $151
Get Your Own Custom Quote Go

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in Irvine location which can increase or decrease premium rates significantly.

The chart below illustrates how your choice of deductibles and can impact Dodge Ram premium costs for each age group. The rates are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Cost difference between full coverage and liability

The chart below illustrates the comparison of Dodge Ram insurance costs with and without full coverage. The premiums are based on no claims or violations, $1,000 deductibles, single marital status, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no written rule to delete physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your Dodge Ram settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some circumstances where removing full coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Save a ton by taking advantage of discounts

Car insurance is not cheap nor is it fun to buy but companies offer discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be manually applied prior to receiving the credit. If you are not receiving all the discounts possible, you may be paying too high a price.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount should help lower your policy premiums.

The illustration below shows the comparison of Dodge Ram insurance costs with and without discounts applied. The premiums are based on a female driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-car, and multi-policy discounts applied.

Companies and a partial list of their discounts can be read below.

When comparing rates, check with every insurance company what discounts are available to you. Some of the earlier mentioned discounts may not be available everywhere.

Special considerations

When buying the best auto insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out whether your personal situation could use an agent’s help.

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

When should I talk to an insurance agency?

Many people still prefer to get professional advice from a licensed agent and that can be a smart move Insurance agents can help determine the best coverages and help in the event of a claim. The best thing about comparing rates online is the fact that drivers can get cheap auto insurance rates and also buy local.

Find insurance agent in IrvineAfter completing this form (opens in new window), your insurance data is sent to local insurance agents that can provide free Irvine car insurance quotes for your coverage. There is no reason to leave your house as quotes are delivered to you directly. In the event you want to compare rates from a specific auto insurance provider, you can always find their quoting web page and complete a quote there.

Finding a good insurance company should include more criteria than just the price. The questions below may impact your decision as well.

In the end, you can save money

Low-cost Dodge Ram insurance in Irvine can be bought online as well as from independent agents in Irvine, and you need to price shop both to have the best selection. A few companies may not provide online price quotes and many times these small, regional companies only sell through independent agents.

In this article, we presented a lot of tips how to get a better price on Dodge Ram insurance in Irvine. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even find the lowest prices come from a small local company. Some small companies may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.

Steps to buying affordable Dodge Ram insurance in Irvine

The best way to find low-cost Dodge Ram insurance in Irvine is to regularly compare price quotes from companies who provide auto insurance in California. Price quotes can be compared by following these steps.

An essential thing to point out is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and and to get price quotes from as many companies as possible. Doing this helps ensure a level playing field and a complete price analysis.

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