Buying affordable car insurance for a Dodge Ram in Nevada is pretty simple, but it is dependent upon a lot of rating criteria such as your marital status, if you have recent claims, and your choice of physical damage deductibles. Nevada drivers pay approximately $1,204 a year to insure their Ram, but that figure is an approximation based on a 40-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
Most likely you are not 40 years old and maybe not even male, possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Auto insurance is unique to each driver, so the only way to find the most affordable coverage for your Dodge is to compare as many rates as possible. In just a couple of minutes you can get rates from top-rated car insurance companies that insure vehicles in Nevada.
Vehicle trim level has an effect on the coverage cost, so the price you will pay to insure a Ram Quad Cab ST 2WD trim level will be $298 less than the cost to insure the high end Ram Quad Cab Laramie 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$242||$362||$358||$22||$108||$1,092||$91|
|Ram Quad Cab TRX4 Off Road 2WD||$272||$440||$358||$22||$108||$1,200||$100|
|Ram Quad Cab SLT 2WD||$272||$440||$358||$22||$108||$1,200||$100|
|Ram Crew Cab ST 2WD||$272||$440||$358||$22||$108||$1,200||$100|
|Ram Quad Cab ST 4WD||$272||$440||$358||$22||$108||$1,200||$100|
|Ram Crew Cab SLT 2WD||$272||$440||$358||$22||$108||$1,200||$100|
|Ram Crew Cab TRX 2WD||$272||$440||$358||$22||$108||$1,200||$100|
|Ram Quad Cab SLT 4WD||$272||$440||$358||$22||$108||$1,200||$100|
|Ram Crew Cab ST 4WD||$272||$440||$358||$22||$108||$1,200||$100|
|Ram Crew Cab Sport 2WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Quad Cab Sport 2WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Quad Cab TRX4 Off Road 4WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Crew Cab TRX 4WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Crew Cab SLT 4WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Quad Cab Laramie 2WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Crew Cab Laramie 2WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Crew Cab Sport 4WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Quad Cab Sport 4WD||$304||$520||$358||$22||$108||$1,312||$109|
|Ram Crew Cab Laramie 4WD||$304||$598||$358||$22||$108||$1,390||$116|
|Ram Quad Cab Laramie 4WD||$304||$598||$358||$22||$108||$1,390||$116|
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific location which can decrease or increase premium rates considerably.
Finding the top insurance provider can be challenging considering how many companies sell coverage in Nevada. The company ratings shown next can help you select which coverage providers you want to consider shopping your coverage with.
The rankings below are only made up of large insurance companies, so companies that only write business in Nevada or surrounding areas are not taken into consideration for the list. If you'd like to compare prices from these and other companies in Nevada, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Discount Nevada car insurance
Car insurance companies that provide coverage for a Dodge Ram may have discounts that may potentially lower prices by 35% or more if you meet eligibility requirements. Large insurance companies and their offered discounts are outlined below.
- Mercury Insurance has discounts for anti-theft, age of vehicle, good driver, low natural disaster claims, and multi-policy.
- Farmers Insurance policyholders can earn discounts including mature driver, youthful driver, switch companies, good student, multi-car, and alternative fuel.
- Farm Bureau may include discounts for multi-vehicle, good student, youthful driver, renewal discount, and driver training.
- State Farm may offer discounts for Steer Clear safe driver discount, good student, multiple policy, good driver, multiple autos, accident-free, and anti-theft.
- Allstate has savings for economy car, resident student, eSmart discount, multi-policy, and FullPay discount.
- GEICO offers discounts for air bags, anti-theft, multi-policy, anti-lock brakes, defensive driver, and military active duty.
The illustration below shows the comparison of premium costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, multiple vehicle, defensive driving course, claim-free, homeowner, and accident-free discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for a Dodge Ram is 28% or $518.
The diagram below illustrates how your choice of deductibles can change insurance costs when trying to find cheap insurance for a Dodge Ram in Nevada. The premiums assume a single male driver, full physical damage coverage, and no discounts are applied.
As shown above, a 40-year-old driver could save $314 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $476 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could lower their rates as much as $1,026 each year by using a higher deductible.
If you make the decision to raise deductibles, it will be necessary to have plenty of money set aside to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Low rates can quickly become overpriced
Nevada insurance rates are based on many factors which can substantially decrease or increase the policy premium. Improving your credit rating, getting divorced, or getting caught speeding may generate price changes resulting in some rates now being more affordable than others. Not only may your situation change, but car insurance companies file new Nevada auto insurance rates as often as every quarter as an adjustment for underwriting gains or losses. Significantly higher losses can result in price increases, while profitable underwriting may result in more affordable Ram insurance rates.
For instance, the graph below shows rates for the cheapest car insurance in Nevada for a 35-year-old male driver with a good driving record, no prior claims, and great credit. If we look at prices based on his current situation, Travelers offers the best car insurance rates in Nevada at $912 per year. This is $662 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are also on the list of the cheapest Nevada auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates an accident claim, a little lower credit rating, and a speeding ticket. Due to the fact that every insurance company has their own unique process for establishing rates, getting updated rate quotes could now result in a new list of the cheapest Nevada car insurance companies as shown below.
GEICO now has the cheapest rate in Nevada with USAA, Nationwide, Safeco, and Allied now being in the top five. This example proves why it is critical to perform an extensive rate comparison to get the best auto insurance rates for a Dodge Ram. Car insurance prices are made up of many things and change dramatically, so the cheapest rate two years ago may now be costing you a lot of money.
Ideas for finding economical insurance for a Dodge Ram
Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help drivers get low-cost auto insurance.
- Full coverage is expensive so only insure older vehicles for liability only
- Safer vehicles cost less to insure
- Speeding tickets and other violations increase rates
- Accidents can significantly increase rates
- Try to pay small claims out-of-pocket
- Bundle home and auto and earn a discount
- Compare rates often to find the best deal
The last tip is remarkably crucial, as was stressed in the prior information. Coverage rates can change considerably in a year, so don't hesitate to buy a policy from a new company if a cheaper rate is available.
Many drivers tend to have loyalty to a certain company, but it's not a good idea if your bullheadedness ends up costing you money that could be used for better things. If you have a few minutes, compare rates to find cheaper auto insurance for a Dodge Ram.