Discount Dodge Ram insuranceWant to know how to find the cheapest car insurance rates in Las Vegas, NV? Las Vegas buyers have options when searching for the best price on Dodge Ram insurance. You can either spend your time driving around trying to get quotes or leverage the internet to compare rates. There are both good and bad ways to buy car insurance so we're going to tell you the absolute fastest way to get price quotes on a Dodge and get the lowest possible price either online or from Las Vegas insurance agents.

It's amazing but a large majority of drivers have stayed with the same insurance company for well over three years, and just under half have never even shopped around for cheaper coverage. Drivers in Nevada could save almost 35% a year just by getting comparison quotes, but most undervalue how much money they would save if they switched to a cheaper policy.

Finding the cheapest insurance coverage in Las Vegas is not rocket science. If you're already insured, you will be able to reduce premiums using the techniques covered below. Drivers just need to know the fastest way to shop for insurance from many different companies online.

Dodge Ram insurance discounts in Las Vegas

Companies offering auto insurance do not advertise all possible discounts very well, so we took the time to find both well-publicized in addition to some of the lesser obvious credits available to you.Discount car insurance

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Even though it appears adding up those discounts means a free policy, you aren't that lucky.

If you would like to choose from a list of insurers who offer car insurance discounts in Las Vegas, follow this link.

The best way to get rate comparisons for Dodge Ram insurance in Las Vegas is to realize almost all companies will pay a fee to give rate comparisons. All you need to do is provide a little information such as your general credit rating, if the car is leased, whether you are married, and if a SR-22 is needed. That rating information is then sent to insurance carriers in your area and you will receive price estimates instantly.

To check rates for your Dodge Ram now, click here and enter your coverage details.

The companies in the list below provide quotes in Las Vegas, NV. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.

Dodge Ram Insurance Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $272 $330 $456 $26 $136 $1,220 $102
Ram Quad Cab TRX4 Off Road 2WD $232 $394 $394 $24 $118 $1,162 $97
Ram Quad Cab SLT 2WD $184 $310 $470 $28 $140 $1,132 $94
Ram Crew Cab ST 2WD $188 $318 $394 $24 $118 $1,042 $87
Ram Quad Cab ST 4WD $260 $394 $356 $22 $106 $1,138 $95
Ram Crew Cab SLT 2WD $166 $252 $348 $20 $104 $890 $74
Ram Crew Cab TRX 2WD $298 $494 $470 $28 $140 $1,430 $119
Ram Quad Cab SLT 4WD $258 $470 $394 $24 $118 $1,264 $105
Ram Crew Cab ST 4WD $264 $462 $422 $24 $126 $1,298 $108
Ram Crew Cab Sport 2WD $270 $468 $470 $28 $140 $1,376 $115
Ram Quad Cab Sport 2WD $182 $342 $422 $24 $126 $1,096 $91
Ram Quad Cab TRX4 Off Road 4WD $182 $342 $422 $24 $126 $1,096 $91
Ram Crew Cab TRX 4WD $222 $350 $358 $22 $108 $1,060 $88
Ram Crew Cab SLT 4WD $326 $648 $422 $24 $126 $1,546 $129
Ram Quad Cab Laramie 2WD $256 $468 $328 $20 $98 $1,170 $98
Ram Crew Cab Laramie 2WD $278 $382 $456 $26 $136 $1,278 $107
Ram Crew Cab Sport 4WD $184 $298 $348 $20 $104 $954 $80
Ram Quad Cab Sport 4WD $210 $392 $394 $24 $118 $1,138 $95
Ram Crew Cab Laramie 4WD $222 $404 $358 $22 $108 $1,114 $93
Ram Quad Cab Laramie 4WD $334 $650 $348 $20 $104 $1,456 $121
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in garaging location in Las Vegas which can modify premium rates significantly.

Comparison of full coverage and liability-only policies

The information below shows the comparison of Dodge Ram auto insurance rates with and without physical damage coverage. The rates are based on no violations or accidents, $500 deductibles, married female driver, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no specific rule to eliminate full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your Dodge Ram settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying the physical damage deductible. If premiums are more than $300 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some scenarios where removing full coverage is not advised. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Poor driving habits will raise your auto insurance rates

The chart below illustrates how speeding tickets and at-fault accidents can impact Dodge Ram insurance rates for different categories of driver ages. The costs are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

When should I have guidance from an agent?

Certain consumers still like to talk to an insurance agent and there is nothing wrong with that. Professional agents are trained to spot inefficiencies and help in the event of a claim. A nice benefit of getting free rate quotes online is you may find lower premium rates but also keep your business local.

To find an agent, once you fill out this short form, the quote information is emailed to insurance agents in Las Vegas that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to search for an agent since rate quotes are delivered immediately to you. If you need to compare rates from a specific auto insurance provider, just visit that company's website to submit a rate quote request.

Choosing the best provider is decision based upon more than just the quoted price. Any agent in Las Vegas should have no problem answering these questions:

When searching for an insurance agent, it's important to understand the different types of agencies from which to choose. Auto insurance agencies are categorized either independent or exclusive depending on the company they work for. Either can write auto insurance policies, but it's important to know the difference in the companies they write for because it can influence the kind of agent you use.

Exclusive Insurance Agents

Agents that choose to be exclusive write business for a single company like Farmers Insurance or State Farm. Exclusive agents cannot provide other company's prices so always compare other rates. Exclusive insurance agents receive a lot of sales training on what they offer which aids in selling service over price. Some insured continue to buy from exclusive agents primarily because of the prominent brand name and solid financial strength.

Below is a short list of exclusive insurance agents in Las Vegas who can help you get rate quotes.

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Independent Agencies or Brokers

Agents of this type often have many company appointments so they can insure your vehicles through many different auto insurance companies and get you the best rates possible. If your agent finds better pricing, they can switch companies in-house and you stay with the same agent. If you are comparing auto insurance prices, you absolutely need to get insurance quotes from several independent insurance agents to maximize your price options. Most independent agents also contract with companies you've never heard of that can offer cheaper rates than bigger companies.

Below is a short list of independent insurance agents in Las Vegas who can help you get rate quotes.

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Frequent quotes can save

When trying to cut insurance costs, it's very important that you do not buy less coverage just to save a little money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later they didn't purchase enough coverage. The goal is to buy enough coverage for the lowest price, but do not skimp to save money.

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, policy non-renewal, policy cancellation or even delays in responding to claim requests. No matter why you want to switch, finding a new car insurance company is actually quite simple.

In this article, we covered quite a bit of information on how to find cheaper Dodge Ram insurance in Las Vegas. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive Las Vegas car insurance quotes. You may even be surprised to find that the best prices are with the least-expected company.

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