Dodge Ram 2500 Insurance Rates in New Orleans

How many years has it been since you compared cheaper Dodge Ram 2500 insurance in New Orleans? High-priced Dodge Ram 2500 insurance in New Orleans can sap your bank account and make it impossible to make ends meet. Doing a price comparison can save money and help to tighten up your finances.

Insurance for Dodge Ram 2500It’s an obvious conclusion that car insurance companies want to keep you from comparing rates. Consumers who shop around for the cheapest rate are inclined to buy a different policy because there is a good probability of finding a more affordable policy. A study discovered that consumers who shopped around saved approximately $860 a year as compared to drivers who never shopped around for lower prices.

If finding discount rates on auto insurance is the reason you’re here, then knowing how to get price quotes and compare car insurance can save money and time.

Steps to buying low-cost Dodge Ram 2500 insurance in New Orleans

If saving the most money is your goal, then the best way to find discount auto insurance rates is to annually compare prices from different companies in New Orleans. Drivers can shop around by following these guidelines.

Step 1: Take a little time to learn about how auto insurance works and the steps you can take to prevent expensive coverage. Many risk factors that are responsible for high rates such as traffic violations and a bad credit rating can be amended by improving your driving habits or financial responsibility. This article gives tips to help find cheaper rates and find discounts that you may qualify for.

Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agents can quote prices from many different companies.

Step 3: Compare the new rate quotes to your existing rates and determine if cheaper Ram 2500 coverage is available. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.

Step 4: Notify your company or agent of your intention to cancel your current auto insurance policy and submit the application along with any required down payment for your new coverage. As soon as you have the new policy, place the new proof of insurance certificate in an easily accessible location.

An important note is that you use the same liability limits and deductibles on each quote and and to get prices from all possible companies. This guarantees the most accurate price comparison and a good representation of prices.

Due to the abundance of choices for buying affordable insurance for a Dodge Ram 2500 in New Orleans, it is very difficult to find the right auto insurance company.

Buying the cheapest car insurance in New Orleans is easy if you know what you’re doing. In a nutshell, anyone who needs more affordable car insurance will probably buy a cheaper policy. Although Louisiana drivers can benefit from knowing the methods companies use to market insurance on the web because rates are impacted by many factors.

When quoting car insurance, remember that comparing a wide range of rates helps you find better pricing. Some regional insurers cannot provide rate quotes online, so you should also compare price estimates from those companies as well.

The companies shown below are our best choices to provide comparison quotes in Louisiana. If your goal is to find cheap auto insurance in LA, we suggest you visit as many as you can to get the best price comparison.

Dodge Ram 2500 coverage statistics

The coverage table displayed next covers estimates of policy rates for Dodge Ram 2500 models. Having knowledge of how auto insurance premiums are calculated can assist in making informed coverage decisions.

Dodge Ram 2500 Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 2500 Crew Cab ST 2WD $192 $372 $494 $30 $148 $1,236 $103
Ram 2500 Crew Cab SLT 2WD $192 $428 $494 $30 $148 $1,292 $108
Ram 2500 Mega Cab SLT 2WD $192 $428 $494 $30 $148 $1,292 $108
Ram 2500 Crew Cab Laramie 2WD $192 $428 $494 $30 $148 $1,292 $108
Ram 2500 Crew Cab ST 2WD $192 $428 $494 $30 $148 $1,292 $108
Ram 2500 Mega Cab Laramie 2WD $192 $428 $494 $30 $148 $1,292 $108
Ram 2500 Crew Cab ST 4WD $214 $372 $494 $30 $148 $1,258 $105
Ram 2500 Crew Cab SLT 2WD $214 $428 $494 $30 $148 $1,314 $110
Ram 2500 Mega Cab SLT 2WD $214 $428 $494 $30 $148 $1,314 $110
Ram 2500 Mega Cab SLT 4WD $214 $372 $494 $30 $148 $1,258 $105
Ram 2500 Crew Cab SLT 4WD $214 $372 $494 $30 $148 $1,258 $105
Ram 2500 Crew Cab Laramie 2WD $214 $484 $494 $30 $148 $1,370 $114
Ram 2500 Mega Cab Laramie 2WD $214 $484 $494 $30 $148 $1,370 $114
Ram 2500 Crew Cab ST 4WD $214 $372 $494 $30 $148 $1,258 $105
Ram 2500 Mega Cab Laramie 4WD $214 $372 $494 $30 $148 $1,258 $105
Ram 2500 Crew Cab Laramie 4WD $214 $372 $494 $30 $148 $1,258 $105
Ram 2500 Mega Cab SLT 4WD $236 $428 $494 $30 $148 $1,336 $111
Ram 2500 Crew Cab SLT 4WD $236 $428 $494 $30 $148 $1,336 $111
Ram 2500 Crew Cab Laramie 4WD $236 $428 $494 $30 $148 $1,336 $111
Ram 2500 Mega Cab Laramie 4WD $236 $428 $494 $30 $148 $1,336 $111
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific garaging location which can impact prices considerably.

The illustration below demonstrates how deductible levels and can increase or decrease Dodge Ram 2500 insurance premiums for different age groups. Data assumes a married male driver, full physical damage coverage, and no discounts are factored in.

How do Insurance Companies Determine Dodge Ram 2500 Insurance Prices?

Multiple criteria are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other factors are less obvious such as your credit history or your commute time. When buying auto insurance it’s important to understand the rating factors that aid in calculating your premiums. When you understand what determines premiums, this allows you to make good choices that can earn you much lower annual insurance costs.

Driving citations will cost you – Drivers with clean records get better rates as compared to careless drivers. Even one citation may increase your cost by as much as thirty percent. Drivers who have gotten license-revoking violations such as DUI, reckless driving or excessive speeding may need to file a proof of financial responsibility form (SR-22) with their state in order to prevent their license from being revoked.

The chart below highlights how speeding tickets and at-fault accidents impact Dodge Ram 2500 auto insurance costs for each age group. The information is based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Gender as a rate factor – Statistics show women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. Women and men have fender benders in similar percentages, but the male of the species tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like reckless driving and DUI. Young males are the most expensive to insure so it costs more to insure them.

The example below compares Dodge Ram 2500 auto insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Reduce rates by driving vehicles with better crash test results – Safer cars can get you lower premiums. Safer cars reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Dodge Ram 2500 scored at minimum four stars on you may qualify for a discount.

Little extras can really add up – Insurance companies have many extra coverages that may not really be needed on your auto insurance policy. Add-on coverages like rental car coverage, accident forgiveness, and extra life insurance coverage are examples of these. These may sound like a good investment when deciding what coverages you need, but if you have no use for them eliminate them to save money.

Your occupation may affect prices – Occupations such as military personnel, architects, and stock brokers tend to pay higher premium rates due to intense work-related stress and lots of time spent at work. Conversely, professions such as farmers, athletes and retirees receive lower rates.

High credit saves on auto insurance – Your credit rating can be an important factor in determining your rates. Therefore, if your credit could use some work, you could potentially save money when insuring your Dodge Ram 2500 if you clean up your credit. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than drivers who have lower credit scores.

Better rates for being claim-free – Auto insurance companies in Louisiana give discounts to insureds who only file infrequent claims. If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is designed for the large, substantial claims.

Three main reasons to buy auto insurance

Even though it’s not necessarily cheap to insure a Dodge in New Orleans, maintaining insurance may not be optional for several reasons.

First, the majority of states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability coverage in order to license the vehicle. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, almost all lenders will make it a condition of the loan that you buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Dodge at a much higher premium rate and force you to pay the higher premium.

Third, insurance protects both your car and your personal assets. Insurance will pay for many types of medical costs that are the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in America is overpaying over $865 each year so compare rates at every policy renewal to ensure rates are inline.

Louisiana car insurance companies

Finding the right insurance provider can be a challenge considering how many companies provide coverage in New Orleans. The company ratings below can help you choose which car insurance companies to look at when shopping around.

Best Car Insurance Companies in Louisiana
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies