Want to learn a better way to compare lower-priced Dodge Ram insurance in Indianapolis? Having to pay for high-priced Dodge Ram insurance in Indianapolis can overdraw your bank account and force you to tighten up your finances. Doing a price comparison can save money and help to ensure you are getting the best deal.
It's shocking but over 70% of Indiana drivers kept their coverage with the same auto insurance company for a minimum of four years, and just short of a majority have never compared rates with other companies. Consumers in the U.S. can save hundreds of dollars each year, but most undervalue the large savings they would see if they switched to a more affordable policy.
There are many insurers to pick from, and though it is a good thing to have a choice, it makes it harder to get the best deal for Dodge Ram insurance in Indianapolis.
How to find affordable Dodge Ram insurance in Indianapolis
All major auto insurance companies like GEICO, State Farm and Progressive allow consumers to get prices online. The process is possible for anyone because it's just a matter of typing in the coverages you want into the quote form. When the form is submitted, their rating system makes automated requests for information on your driving record and credit history and returns a price quote based on these and other factors. Quoting online for Dodge Ram insurance in Indianapolis helps simplify price comparisons, and it's very important to perform this step if you are searching for the best possible rates on auto insurance.
To compare pricing, check out the auto insurance providers below. If you have your current policy handy, we recommend you complete the form with the coverages exactly as they are listed on your policy. This ensures you will be getting comparison quotes based on identical coverages.
The companies shown below offer free quotes in Indianapolis, IN. If more than one company is shown, it's highly recommended you click on several of them to find the cheapest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$186||$294||$358||$22||$108||$968||$81|
|Ram Quad Cab TRX4 Off Road 2WD||$194||$288||$324||$20||$96||$922||$77|
|Ram Quad Cab SLT 2WD||$156||$250||$304||$18||$92||$820||$68|
|Ram Crew Cab ST 2WD||$302||$536||$428||$26||$128||$1,420||$118|
|Ram Quad Cab ST 4WD||$210||$362||$298||$18||$90||$978||$82|
|Ram Crew Cab SLT 2WD||$190||$310||$304||$18||$92||$914||$76|
|Ram Crew Cab TRX 2WD||$148||$264||$384||$22||$114||$932||$78|
|Ram Quad Cab SLT 4WD||$236||$414||$412||$24||$124||$1,210||$101|
|Ram Crew Cab ST 4WD||$236||$414||$412||$24||$124||$1,210||$101|
|Ram Crew Cab Sport 2WD||$292||$580||$412||$24||$124||$1,432||$119|
|Ram Quad Cab Sport 2WD||$310||$430||$416||$24||$124||$1,304||$109|
|Ram Quad Cab TRX4 Off Road 4WD||$130||$224||$298||$18||$90||$760||$63|
|Ram Crew Cab TRX 4WD||$222||$348||$318||$18||$94||$1,000||$83|
|Ram Crew Cab SLT 4WD||$154||$250||$326||$20||$98||$848||$71|
|Ram Quad Cab Laramie 2WD||$346||$514||$416||$24||$124||$1,424||$119|
|Ram Crew Cab Laramie 2WD||$262||$504||$358||$22||$108||$1,254||$105|
|Ram Crew Cab Sport 4WD||$190||$340||$358||$22||$108||$1,018||$85|
|Ram Quad Cab Sport 4WD||$190||$340||$358||$22||$108||$1,018||$85|
|Ram Crew Cab Laramie 4WD||$304||$592||$318||$18||$94||$1,326||$111|
|Ram Quad Cab Laramie 4WD||$268||$570||$384||$22||$114||$1,358||$113|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in Indianapolis location which can raise or lower auto insurance rates considerably.
Full coverage versus liability only rates
The chart below visualizes the comparison of Dodge Ram annual premium costs with full coverage compared to only the Indiana minimum liability coverage. The premiums assume no claims, a clean driving record, $1,000 deductibles, single male driver, and no additional discounts are factored in.
Guidelines for dropping full coverage
There isn't a written rule of when to exclude full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let's pretend your Dodge Ram settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 annually for full coverage, then you might consider buying liability only.
There are a few situations where removing full coverage is not in your best interest. If you haven't paid off your loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Where to set your deductibles
The chart below illustrates how your choice of deductibles and can affect Dodge Ram premium costs for each different age category. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Auto insurance is available from local insurance agents
Many drivers just prefer to buy from a local agent and that is not a bad decision One of the great benefits of comparing rate quotes online is the fact that drivers can get lower rates but also keep your business local.
To make it easy to find an agent, after completing this simple form, your information is submitted to insurance agents in Indianapolis that can provide free Indianapolis auto insurance quotes to get your business. It's much easier because you don't need to find an agent since rate quotes are delivered to the email address you provide. You can find lower rates AND an agent nearby. If you need to quote rates from a specific auto insurance provider, just visit that company's website to submit a rate quote request.
Choosing an insurance company needs to be determined by more than just the premium amount. The questions below may impact your decision as well.
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do the coverages you're quoting properly cover your vehicle?
- What company holds the largest book of business for them?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- When do they do a full risk review?
Pick the best car insurance agent in Indianapolis for you
If you are searching for an insurance agent, it helps to know the two types of insurance agents from which to choose. Auto insurance agents can be classified as either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agents
These agents have only one company to place business with and some examples include Farmers Insurance, State Farm, or Allstate. They are unable to compare other company's rates so they are skilled at selling on more than just price. Exclusive insurance agents receive a lot of sales training on sales techniques which helps overcome the inability to quote other rates.
The following are Indianapolis exclusive agents that can give you comparison quotes.
Frances Johnson - State Farm Insurance Agent
5707 N Michigan Rd - Indianapolis, IN 46228 - (317) 257-3504 - View Map
These agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and find you cheaper rates. To move your coverage to a new company, the business is moved internally and you don't have to do anything.
When comparing rates, it's a good idea to include price quotes from several independent insurance agents to get the best comparison.
Listed below is a list of independent insurance agencies in Indianapolis that are able to give price quotes.