Want to know how to find more affordable Dodge Ram insurance in Reno? Online price comparisons for the cheapest Dodge Ram insurance in Reno might sound like a lofty goal if you are like most people and have never completed online quotes. Don't let the process intimidate you because it's actually quite easy to find lower-cost Dodge Ram in Reno.
Unthinkable but true, the vast majority of drivers kept their coverage with the same insurance company for over three years, and almost 40% of drivers have never quoted rates to find cheaper coverage. The average driver in Nevada can cut their rates by almost $550 a year, but they don't know how much they could save if they bought a different policy.
Smart consumers take time to do rate comparisons yearly because insurance prices are constantly changing. Despite the fact that you may have had the best rate on Dodge Ram insurance in Reno a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you're about to learn the proper way to reduce your cost while increasing coverage.
The method we recommend to compare insurance rates in your area is to know the trick auto insurance companies provide online access to compare rate quotes. To get started, all you need to do is provide a little information such as whether or not you need a SR-22, how much coverage you want, what your job is, and if you have a valid license. The data is submitted instantly to many highly-rated insurers and they return quotes quickly.
If you would like to start a quote now, click here then complete the form.
The companies shown below have been selected to offer comparison quotes in Nevada. If several companies are displayed, we recommend you visit as many as you can to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$126||$204||$366||$22||$110||$828||$69|
|Ram Quad Cab TRX4 Off Road 2WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Quad Cab SLT 2WD||$210||$366||$452||$26||$136||$1,190||$99|
|Ram Crew Cab ST 2WD||$160||$286||$452||$26||$136||$1,060||$88|
|Ram Quad Cab ST 4WD||$170||$276||$334||$20||$100||$900||$75|
|Ram Crew Cab SLT 2WD||$188||$318||$394||$24||$118||$1,042||$87|
|Ram Crew Cab TRX 2WD||$206||$334||$328||$20||$98||$986||$82|
|Ram Quad Cab SLT 4WD||$128||$210||$328||$20||$98||$784||$65|
|Ram Crew Cab ST 4WD||$332||$590||$470||$28||$140||$1,560||$130|
|Ram Crew Cab Sport 2WD||$294||$544||$422||$24||$126||$1,410||$118|
|Ram Quad Cab Sport 2WD||$290||$464||$356||$22||$106||$1,238||$103|
|Ram Quad Cab TRX4 Off Road 4WD||$244||$382||$348||$20||$104||$1,098||$92|
|Ram Crew Cab TRX 4WD||$258||$464||$366||$22||$110||$1,220||$102|
|Ram Crew Cab SLT 4WD||$324||$554||$356||$22||$106||$1,362||$114|
|Ram Quad Cab Laramie 2WD||$258||$464||$394||$24||$118||$1,258||$105|
|Ram Crew Cab Laramie 2WD||$294||$544||$422||$24||$126||$1,410||$118|
|Ram Crew Cab Sport 4WD||$244||$382||$348||$20||$104||$1,098||$92|
|Ram Quad Cab Sport 4WD||$210||$298||$456||$26||$136||$1,126||$94|
|Ram Crew Cab Laramie 4WD||$190||$374||$334||$20||$100||$1,018||$85|
|Ram Quad Cab Laramie 4WD||$144||$292||$334||$20||$100||$890||$74|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rates do not factor in specific location information which can raise or lower price quotes greatly.
Irresponsible driving raises your rates
The information below illustrates how violations and accidents raise Dodge Ram annual premium costs for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
Cheaper Dodge Ram insurance quotes in Reno
Insurance can be prohibitively expensive, but there could be significant discounts that you may not know about. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be asked for in order for you to get them.
- New Car Discount - Putting car insurance coverage on a new Ram can save up to 30% due to better safety requirements for newer vehicles.
- Early Signing - Some companies provide a discount for switching policies prior to the expiration date on your current Ram insurance policy. You may see this discount when you get Reno auto insurance quotes online.
- Pay Now and Pay Less - By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
- Student Driver Training - Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
- Government Employee Discount - Active or former government employment could qualify for a slight premium decrease with certain companies.
- Club Memberships - Participating in a qualifying organization may earn a discount on your next car insurance statement.
- Accident Free - Reno drivers who stay claim-free can save substantially as opposed to bad drivers.
- Safety Restraint Discount - Requiring all passengers to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
While discounts sound great, it's important to understand that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky.
Car insurance companies who may offer some of the discounts shown above include:
If you need cheaper Reno auto insurance quotes, ask all the companies to apply every possible discount. Some discounts may not apply to policyholders everywhere. For a list of companies with discount car insurance rates in Nevada, follow this link.
You Can Change Your Insurance Costs
Consumers need to have an understanding of the rating factors that are used to determine the level of your policy premiums. When consumers understand what influences your rates, this helps enable you to make changes that will entitle you to lower premium levels.
Does your employer cost you more? - Did you know that where you work can have an impact on rates? Occupations like fire fighters, police officers, and accountants generally have higher average rates due to intense work requirements and lengthy work days. Other careers such as actors, athletes and the unemployed generally pay rates lower than average.
Insure your auto and home with one company - Some insurers provide better rates to clients who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it's always a smart idea to comparison shop to make sure you are getting the best deal.There is a chance you can find lower rates by insuring with multiple companies.
Do females or males drive better? - Over time, data shows that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men are in at-fault accidents in similar numbers, but men have costlier accidents. Men also statistically get higher numbers of serious violations like driving under the influence (DUI).
Low deductibles can be expensive - Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of some claims that would be covered are a broken side mirror, vandalism, and windstorm damage. The deductibles you choose are how much you are willing to pay out-of-pocket if a covered claim is submitted. The more money you pay before a claim is paid (deductible), the less money you will pay for car insurance.
Compare rates but buy from a local Reno insurance agency
Many people would rather get professional advice from a licensed agent and that can be a great decision One of the best bonuses of getting free rate quotes online is the fact that you can find lower rates and still have a local agent. Putting coverage with local agencies is important especially in Reno.
After filling out this quick form, the quote information gets sent to participating agents in Reno who can give free rate quotes to get your business. You won't even need to contact an agency as quotes are delivered to you instantly. It's the lowest rates and work with a local agent. If you want to get a comparison quote from a specific insurance company, don't hesitate to navigate to their website and complete a quote there.
If you're trying to find a reliable insurance agency, there are two types of agencies that differ in how they can insure your vehicles. Agents in Reno are categorized either exclusive or independent.
Independent Insurance Agencies or Brokers
Agents of this type do not have single company limitations and that is an advantage because they can write policies through many different insurance companies and find you the best rates. To transfer your coverage to a different company, they can switch companies in-house which makes it simple for you.
When comparing insurance prices, we highly recommend that you contact at a minimum one independent agency so that you have a good selection of quotes to compare. Many independent agencies also insure through companies that do not advertise much that many times have cheaper rates.
The following are independent insurance agencies in Reno that may be able to give you free price quotes.
- Balsiger Insurance
6380 Mae Anne Ave # 7 - Reno, NV 89523 - (702) 220-8640 - View Map
- Comstock Insurance Agencies
9424 Double R Blvd - Reno, NV 89521 - (775) 853-9424 - View Map
- AIM - Associated Insurance Managers
7025 Longley Ln #60 - Reno, NV 89511 - (775) 827-1400 - View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide pricing for a single company such as Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide prices from multiple companies so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on what they offer which can be an advantage. Some insured continue to use the same agent mostly because of the brand rather than low rates.
Below is a short list of exclusive insurance agents in Reno willing to provide rate quotes.
- Farmers Insurance - Miguel Martir
705 S Wells Ave #100 - Reno, NV 89502 - (775) 284-9844 - View Map
- American Family Insurance - Byron Nuthall
3939 S McCarran Blvd - Reno, NV 89502 - (775) 857-2202 - View Map
- Jolene Falcone - State Farm Insurance Agent
3590 W Plumb Ln b - Reno, NV 89509 - (775) 329-1191 - View Map
Finding a good auto insurance agent is decision based upon more than just a cheap price. These questions are important to ask:
- What company do they have the most business with?
- Is there any savings for paying the full premium?
- Which companies do they recommend if they are an independent agency?
- Do you need full coverage on every vehicle?
- How would your car be valued if totalled?
- Can you contact them at any time?
- How are they compensated?
- What is the financial rating for the quoted company?
Auto insurance ads are enticing
Popular auto insurance providers such as State Farm, Allstate and GEICO endlessly run television and radio advertisements. All the ads make an identical promise that you can save if you move your auto insurance policy to them. How is it possible that every company can charge less that you're paying now? It's all in the numbers.
Different companies have strict underwriting profiles for the type of driver that makes them money. One example of this type of insured may need to be married and over the age of 30, has a clean driving record, and has a high credit rating. Someone that matches those criteria may get the lowest prices in Reno and most likely will save when switching.
Drivers who don't measure up to this stringent profile will probably be forced to pay a higher premium and this can result in business not being written. If you listen closely, the ads state "people that switch" not "everyone who quotes" save that much money. This is how companies can make claims that they all have the best prices.
Because each company has a different risk profile, drivers should get a wide range of price quotes. It's just not possible to know which auto insurance company will be your best fit.
Get the best coverage at the most affordable price
Some companies do not offer internet price quotes and many times these regional carriers sell through independent agents. Budget-conscious Dodge Ram insurance can be purchased online and with local Reno insurance agents, and you need to price shop both to have the best rate selection.
As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. In too many instances, an insured dropped physical damage coverage and found out when filing a claim that it was a big error on their part. Your strategy should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.
You just read a lot of techniques to lower your Dodge Ram insurance prices in Reno. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest prices are with a company that doesn't do a lot of advertising.
Even more information can be read in these articles:
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Who Has the Cheapest Nevada Auto Insurance Rates for Uber Drivers? (FAQ)
- Who Has Cheap Car Insurance Rates for Active Military in Nevada? (FAQ)
- Which Company has the Cheapest Car Insurance in Paradise, Nevada? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Females in Nevada? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Auto Crash Statistics (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)