Finding cheap car insurance for a Dodge Ram can be really easy, but it is dependent upon many rating factors such as whether you are single or married, if you have prior claims, and violations on your driving record. Drivers in Louisiana pay around $1,532 a year to insure their Ram, but that price is an estimation based on a 40-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.
It's more than likely you're not a 40-year-old male, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Everyone has unique insurance needs, and this illustrates why the best way to find the cheapest insurance price for your Dodge is to do your own rate comparisons.
The trim level of your Dodge tends to impact the cost of insurance, so the price to insure a Ram Quad Cab ST 2WD model will be $290 lower than the price to insure the high end Ram Quad Cab Laramie 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$218||$360||$636||$38||$190||$1,442||$120|
|Ram Quad Cab TRX4 Off Road 2WD||$246||$438||$636||$38||$190||$1,548||$129|
|Ram Quad Cab SLT 2WD||$246||$438||$636||$38||$190||$1,548||$129|
|Ram Crew Cab ST 2WD||$246||$438||$636||$38||$190||$1,548||$129|
|Ram Quad Cab ST 4WD||$246||$438||$636||$38||$190||$1,548||$129|
|Ram Crew Cab SLT 2WD||$246||$438||$636||$38||$190||$1,548||$129|
|Ram Crew Cab TRX 2WD||$246||$438||$636||$38||$190||$1,548||$129|
|Ram Quad Cab SLT 4WD||$246||$438||$636||$38||$190||$1,548||$129|
|Ram Crew Cab ST 4WD||$246||$438||$636||$38||$190||$1,548||$129|
|Ram Crew Cab Sport 2WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Quad Cab Sport 2WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Quad Cab TRX4 Off Road 4WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Crew Cab TRX 4WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Crew Cab SLT 4WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Quad Cab Laramie 2WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Crew Cab Laramie 2WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Crew Cab Sport 4WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Quad Cab Sport 4WD||$274||$516||$636||$38||$190||$1,654||$138|
|Ram Crew Cab Laramie 4WD||$274||$594||$636||$38||$190||$1,732||$144|
|Ram Quad Cab Laramie 4WD||$274||$594||$636||$38||$190||$1,732||$144|
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in specific location which can modify rates noticeably.
Finding dependable, reasonably-priced insurance is not the easiest thing to accomplish, and determining which company offers the cheapest car insurance rates for a Dodge Ram involves a little more work. Each auto insurer uses different criteria to set their prices, so we need to take a look at the most budget-friendly car insurance companies in New Orleans.
Best Cheap Insurance Rates for Your Ram Truck
|Rank||Company||Cost Per Year|
|6||Southern Farm Bureau||$2,204|
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USAA may offer some of the best car insurance rates in New Orleans at around $1,594 a year. MetLife, GEICO, Progressive, and Safeway are also some of the cheaper New Orleans, LA insurance companies.
As shown above, if you currently buy coverage from Safeway and switched to MetLife, you may realize savings of roughly $296. Policyholders with Southern Farm Bureau could save as much as $368 a year, and California Casualty policyholders might cut rates by $410 a year.
Understand that those estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for a Dodge Ram. So the company that is best for you may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver information and specific vehicle type.
Get discounts on New Orleans car insurance rates
Auto insurance companies that offer quotes for a Dodge Ram may have policy discounts that may potentially lower prices by 40% or more if you meet specific eligibility requirements. Companies and some of their more popular discounts are shown below.
- GEICO offers discounts including anti-theft, driver training, five-year accident-free, multi-policy, and federal employee.
- USAA discounts include vehicle storage, loyalty savings, good student, safe driver, family discount, multi-vehicle, and annual mileage.
- Progressive policyholders can earn discounts including homeowner, online signing, multi-vehicle, good student, online quote discount, and continuous coverage.
- American Family offers premium reductions for multi-vehicle, mySafetyValet, good student, good driver, TimeAway discount, and defensive driver.
- Esurance may offer discounts for online quote, safety device, online shopper, good student, and claim free.
- Farmers Insurance has discounts for alternative fuel, homeowner, distant student, switch companies, bundle discounts, and multi-car.
- State Farm may include discounts for multiple autos, passive restraint, safe vehicle, driver's education, and accident-free.
The illustration below compares annual premium costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no accidents, no driving violations, Louisiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, homeowner, anti-theft, claim-free, vehicle safety, and passive restraint discounts applied. When taking advantage of discounts, theamount saved on car insurance for a Dodge Ram is 28% or $937.
Car insurance rates are higher with tickets and accidents
The obvious way to snag the most affordable car insurance prices in Louisiana for a Ram pickup is to be a safe driver and avoid at-fault accidents and violations. The example below highlights how speeding tickets and at-fault collisions can increase insurance prices for each age group. The premiums assume a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of a car insurance policy in New Orleans per year with no accidents and a clean driving record is $3,210. Factor in two speeding tickets and the average cost swells to $4,317, an increase of $1,107 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Dodge Ram jumps again to an average of $8,308. That's an increase of $5,098, or $425 per month, just for not maintaining a clean driving record!
How to find low-cost auto insurance for a Dodge Ram
The list below details some money-saving solutions that can help New Orleans drivers find low-cost coverage.
- Drive a car with a high safety rating
- Clean up your credit rating
- Avoid preventable accidents
- Be a safe driver
- Increase physical damage deductibles
- Shop around once a year for cheaper rates
That last piece of advice is certainly vital, as we hit on in the prior article. Insurance rates adjust often, so drivers shouldn't be reluctant to switch companies if a cheaper price is available. Staying with the same company for years is fine, but it's not a great idea if it's costing you thousands of dollars over several years. It only take a few minutes to shop around and find cheaper insurance for a Dodge Ram in New Orleans.
If you aren't sure which coverage you need and prefer to have some professional guidance when comparing insurance rates for a Dodge Ram, the agents below are a good start to help you make a decision which auto insurance coverages would be the best in your situation. To find an auto insurance agency nearest to you, click the button below the list or click here to compare price quotes.
- Andy Bowden - State Farm Insurance Agent
6325 Elysian Fields Ave a - New Orleans, LA 70122 - (504) 288-2219
- Above and Beyond Insurance Agency LLC
10001 Lake Forest Blvd #315 - New Orleans, LA 70127 - (504) 383-7432
- Manny Hidalgo - State Farm Insurance Agent
3837 MacArthur Blvd - New Orleans, LA 70114 - (504) 362-1919