Compare Dodge Ram 2500 Insurance Rate Quotes in Stockton

If you want to save the most money, the best way to quote cheaper car insurance rates is to regularly compare quotes from companies who can sell car insurance in Stockton.

An important part of this process is to make sure you’re comparing identical coverage information on every quote request and and to get rates from every company you can. This provides a fair price comparison and plenty of rates choose from.

Insurance quote for Dodge Ram 2500 in StocktonUnfortunately, nearly 70% of consumers have stayed with the same insurance company for a minimum of four years, and 38% of customers have never compared rates to find cheaper insurance. With the average premium in California being $1,400, drivers can cut their rates by as much as $469 a year just by shopping around, but they don’t want to take the time to go online and compare rates.

If you are already insured, you stand a good chance to be able to get lower rates using this information. Buying the cheapest car insurance in Stockton is not that difficult as long as you know where to start. But California drivers benefit from understanding how the larger insurance companies market insurance on the web because rates fluctuate considerably.

Rates and statistics

The rate information displayed below showcases estimates of coverage costs for Dodge Ram 2500 models. Having a better understanding of how insurance prices are calculated can be of help when making decisions on the best policy to buy.

Dodge Ram 2500 Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 2500 Crew Cab ST 2WD $358 $546 $654 $38 $196 $1,792 $149
Ram 2500 Crew Cab SLT 2WD $358 $630 $654 $38 $196 $1,876 $156
Ram 2500 Mega Cab SLT 2WD $358 $630 $654 $38 $196 $1,876 $156
Ram 2500 Crew Cab Laramie 2WD $358 $630 $654 $38 $196 $1,876 $156
Ram 2500 Crew Cab ST 2WD $358 $630 $654 $38 $196 $1,876 $156
Ram 2500 Mega Cab Laramie 2WD $358 $630 $654 $38 $196 $1,876 $156
Ram 2500 Crew Cab ST 4WD $398 $546 $654 $38 $196 $1,832 $153
Ram 2500 Crew Cab SLT 2WD $398 $630 $654 $38 $196 $1,916 $160
Ram 2500 Mega Cab SLT 2WD $398 $630 $654 $38 $196 $1,916 $160
Ram 2500 Mega Cab SLT 4WD $398 $546 $654 $38 $196 $1,832 $153
Ram 2500 Crew Cab SLT 4WD $398 $546 $654 $38 $196 $1,832 $153
Ram 2500 Crew Cab Laramie 2WD $398 $712 $654 $38 $196 $1,998 $167
Ram 2500 Mega Cab Laramie 2WD $398 $712 $654 $38 $196 $1,998 $167
Ram 2500 Crew Cab ST 4WD $398 $546 $654 $38 $196 $1,832 $153
Ram 2500 Mega Cab Laramie 4WD $398 $546 $654 $38 $196 $1,832 $153
Ram 2500 Crew Cab Laramie 4WD $398 $546 $654 $38 $196 $1,832 $153
Ram 2500 Mega Cab SLT 4WD $438 $630 $654 $38 $196 $1,956 $163
Ram 2500 Crew Cab SLT 4WD $438 $630 $654 $38 $196 $1,956 $163
Ram 2500 Crew Cab Laramie 4WD $438 $630 $654 $38 $196 $1,956 $163
Ram 2500 Mega Cab Laramie 4WD $438 $630 $654 $38 $196 $1,956 $163
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Table data does not factor in specific location which can impact premiums considerably.

The diagram below highlights how deductible choice and can change Dodge Ram 2500 premium costs for different insured age categories. Data assumes a married female driver, full coverage, and no additional discounts are factored in.

Cheaper Stockton insurance rates with discounts

Not too many consumers would say insurance is affordable, but there could be significant discounts that many consumers don’t even know exist. Some discounts will apply when you complete an application, but once in a while a discount must be asked about in order for you to get them.Cheaper insurance with discounts

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.

The illustration below illustrates the difference between Dodge Ram 2500 car insurance costs with and without discounts. The rates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, marriage, and homeowner discounts applied.

A few popular companies and some of the discounts can be read below.

If you need the cheapest Dodge Ram 2500 rate quotes, ask all the companies which discounts they offer. Some discounts listed above might not apply in every state. To choose insurance companies that offer the discounts shown above in California, click here to view.

Auto insurance coverage options for a Dodge Ram 2500

Having a good grasp of auto insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most auto insurance policies.

Auto liability

Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/5 which means a $15,000 limit per person for injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.

Liability can pay for things like loss of income, court costs, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible. California requires minimum liability limits of 15/30/5 but drivers should carry better liability coverage.

The illustration below shows why minimum state limits may not provide you with enough coverage.

Collision insurance

Collision insurance pays for damage to your Ram 2500 caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, crashing into a building, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible on your Ram 2500 in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many California drivers only purchase the least amount of liability that is required (15/30/5 in California), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, vandalism and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, dental work and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Affordable coverage is out there

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best cost while not skimping on critical coverages.

Throughout this article, we presented a lot of tips how to save on Dodge Ram 2500 insurance in Stockton. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive Stockton car insurance quotes. Consumers may even find the lowest prices come from a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

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