Buying competitive coverage for a Dodge Ram is fairly easy, but it hinges on a lot of rating factors such as how many miles you drive each year, the condition of your credit, and citations or violations on your driving record. Drivers in California pay approximately $1,444 per year to insure their Ram, but that figure is a valuation calculated using a 30-year-old married female driver with full coverage and $500 deductibles.
More likely than not, you are not 30 years old and maybe not even female, single instead of married, and maybe you have sub-par credit that needs to be factored in. Having even a minor difference in rating variables or coverage information can result in a big discrepancy in policy price.
Having different needs demonstrates why the only real way to find the cheapest insurance price for your Dodge is to compare rates from as many companies as possible.
The trim level of your vehicle tends to have a direct impact on the annual cost of coverage, so the rate you will pay to insure a Ram Quad Cab ST 2WD trim level will be $310 less expensive the price to insure the high end Ram Quad Cab Laramie 4WD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$270||$374||$510||$30||$152||$1,336||$111|
|Ram Quad Cab TRX4 Off Road 2WD||$304||$454||$510||$30||$152||$1,450||$121|
|Ram Quad Cab SLT 2WD||$304||$454||$510||$30||$152||$1,450||$121|
|Ram Crew Cab ST 2WD||$304||$454||$510||$30||$152||$1,450||$121|
|Ram Quad Cab ST 4WD||$304||$454||$510||$30||$152||$1,450||$121|
|Ram Crew Cab SLT 2WD||$304||$454||$510||$30||$152||$1,450||$121|
|Ram Crew Cab TRX 2WD||$304||$454||$510||$30||$152||$1,450||$121|
|Ram Quad Cab SLT 4WD||$304||$454||$510||$30||$152||$1,450||$121|
|Ram Crew Cab ST 4WD||$304||$454||$510||$30||$152||$1,450||$121|
|Ram Crew Cab Sport 2WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Quad Cab Sport 2WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Quad Cab TRX4 Off Road 4WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Crew Cab TRX 4WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Crew Cab SLT 4WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Quad Cab Laramie 2WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Crew Cab Laramie 2WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Crew Cab Sport 4WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Quad Cab Sport 4WD||$338||$536||$510||$30||$152||$1,566||$131|
|Ram Crew Cab Laramie 4WD||$338||$616||$510||$30||$152||$1,646||$137|
|Ram Quad Cab Laramie 4WD||$338||$616||$510||$30||$152||$1,646||$137|
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in garaging location in Stockton which can modify premium rates considerably.
Best car insurance in California
Choosing the right insurance provider can be challenging considering how many companies there are to choose from in Stockton. The company information in the next section may help you choose which coverage providers you want to consider when looking for cheaper rates.
These ratings include the largest companies in the United States, so smaller companies that only insure vehicles in California are not factored into these rankings. If you wish to compare rates from these top-rated insurers and more, just click here.
Top 10 Major Auto Insurance Companies in Stockton Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurance Companies in Stockton Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The chart below illustrates how your deductible choice can impact insurance costs when trying to find cheap insurance for a Dodge Ram. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could lower their car insurance rates by $372 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $564 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could roll back prices $930 each year by selecting a higher deductible.
If you make the decision to raise deductibles, it is essential to have spare funds to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.
How violations and accidents impact rates
One of the best ways to snag low car insurance rates in Stockton for a Ram pickup is to drive safely and avoid tickets and accidents. The information below highlights how speeding tickets and at-fault fender-benders can raise insurance costs for different age groups of insureds. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of car insurance in California per year with no violations or accidents is $2,418. Receive two speeding tickets and the average cost jumps to $3,226, an increase of $808 each year. Now add two accidents along with the two speeding tickets and the annual cost of car insurance for a Dodge Ram goes up to an average of $6,541. That’s an increase of $4,123, or $344 per month, just for being a little careless behind the wheel!
The benefits of price comparisons
California car insurance rates are calculated based on many things that control your annual premium. Turning one year older, getting married, or getting caught speeding can trigger price changes that can now make some companies cheaper than competitors. Also, companies file new California auto insurance rates without warning to adjust for gains or losses. Higher than normal claims can cause more expensive prices, while profitable underwriting can result in cheaper Ram insurance rates.
To help illustrate this point, the graph below shows the cheapest car insurance in Stockton, CA for a 35-year-old male driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on his personal profile, USAA has the most affordable car insurance rates in Stockton at $1,371 annually. This is $280 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the best Stockton, CA auto insurance companies.
The chart below compares rates after we give the driver in the first chart an accident claim, poor credit, and a couple of points charged on his driving record. Since each company has a proprietary formula for setting rates, comparing prices will most likely result in a slightly different list of affordable companies as shown below.
Grange now has the lowest price on auto insurance in Stockton, CA with Allstate, GEICO, Mercury, and Progressive now rounding out the top five. This illustrates why it is so important to take the time to shop around to find the most affordable car insurance rates for a Dodge Ram.
Insurance prices are influenced by many risk factors and can change substantially, so the most affordable company the last time you shopped around may now be quite expensive.
If you like to have professional advice when comparing insurance rates for a Ram pickup, the agents listed below can answer your questions and help you decide which coverages you need. To find a Stockton insurance agent using an interactive map, click the link at the bottom or click here to compare rates now.
- Farmers Insurance: W. Faye Giovenetti
1833 W March Ln #2 – Stockton, CA 95207 – (209) 472-7704
- Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433
- Don Widmer – State Farm Insurance Agent
2155 W March Ln a – Stockton, CA 95207 – (209) 951-4008
How to find economical auto insurance for a Dodge Ram
The list below details many penny-pinching suggestions that can help you quote cheaper coverage.
- On older vehicles, drop full coverage
- Avoid preventable accidents
- Vehicles with good safety ratings have lower liability rates
- Buy your auto and home insurance from the same company and save
- Violations and traffic tickets increase rates
- Having too many claims will increase rates substantially
- Comparison shop at least once a year
The last suggestion is incredibly critical, as we stressed in this article. Rates change a lot, so drivers shouldn’t be resistant to buy a different policy if a lower price can be found.
Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that dedication is costing a small fortune year after year. Now is a great time to compare prices and find cheaper insurance for a Dodge Ram in Stockton.