Having to pay for pricey Dodge Ram 2500 insurance in Fresno can dwindle your personal savings and force you to make tough financial choices. Comparing price quotes can save money and help to tighten up your finances.
We don’t have to tell you that car insurance companies don’t want their policyholders to compare prices. Drivers who shop around for the cheapest rate are very likely to buy a new policy because there is a high probability of finding more affordable rates. A recent study showed that consumers who compared rates regularly saved an average of $865 annually compared to other drivers who never shopped for cheaper rates.
If finding the lowest price for Dodge Ram 2500 insurance in Fresno is your objective, knowing the best way to shop and compare coverage rates can save time, money, and frustration.
There is such a variety of insurers to pick from, and although it’s nice to have multiple companies, more choices can make it harder to find the best rates for your vehicles.
Consumers should take time to price shop coverage before your next renewal because rates are usually higher with each renewal. Just because you had the best rate on Dodge Ram 2500 insurance in Fresno on your last policy the chances are good that you can find a lower price today. Ignore everything you know about car insurance because we’re going to demonstrate how to quote online to get good coverage on Dodge Ram 2500 insurance in Fresno at a lower rate.
Buying the cheapest insurance in Fresno can be much easier if you know how to start. Nearly every driver who is shopping for insurance will more than likely find a better price. Although California car owners must understand the methods companies use to sell insurance online because rates are impacted by many factors.
Car insurance providers offering cheap price quotes in California
The companies shown below have been selected to offer free rate quotes in Fresno, CA. If you want the best cheap car insurance in California, we recommend you visit two to three different companies to find the most competitive car insurance rates.
Dodge Ram 2500 coverage analysis
The rate table below covers a range of prices for Dodge Ram 2500 models. Understanding more about how car insurance prices are calculated can help customers make smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$300||$618||$650||$38||$194||$1,800||$150|
|Ram 2500 Crew Cab SLT 2WD||$300||$712||$650||$38||$194||$1,894||$158|
|Ram 2500 Mega Cab SLT 2WD||$300||$712||$650||$38||$194||$1,894||$158|
|Ram 2500 Crew Cab Laramie 2WD||$300||$712||$650||$38||$194||$1,894||$158|
|Ram 2500 Crew Cab ST 2WD||$300||$712||$650||$38||$194||$1,894||$158|
|Ram 2500 Mega Cab Laramie 2WD||$300||$712||$650||$38||$194||$1,894||$158|
|Ram 2500 Crew Cab ST 4WD||$336||$618||$650||$38||$194||$1,836||$153|
|Ram 2500 Crew Cab SLT 2WD||$336||$712||$650||$38||$194||$1,930||$161|
|Ram 2500 Mega Cab SLT 2WD||$336||$712||$650||$38||$194||$1,930||$161|
|Ram 2500 Mega Cab SLT 4WD||$336||$618||$650||$38||$194||$1,836||$153|
|Ram 2500 Crew Cab SLT 4WD||$336||$618||$650||$38||$194||$1,836||$153|
|Ram 2500 Crew Cab Laramie 2WD||$336||$804||$650||$38||$194||$2,022||$169|
|Ram 2500 Mega Cab Laramie 2WD||$336||$804||$650||$38||$194||$2,022||$169|
|Ram 2500 Crew Cab ST 4WD||$336||$618||$650||$38||$194||$1,836||$153|
|Ram 2500 Mega Cab Laramie 4WD||$336||$618||$650||$38||$194||$1,836||$153|
|Ram 2500 Crew Cab Laramie 4WD||$336||$618||$650||$38||$194||$1,836||$153|
|Ram 2500 Mega Cab SLT 4WD||$370||$712||$650||$38||$194||$1,964||$164|
|Ram 2500 Crew Cab SLT 4WD||$370||$712||$650||$38||$194||$1,964||$164|
|Ram 2500 Crew Cab Laramie 4WD||$370||$712||$650||$38||$194||$1,964||$164|
|Ram 2500 Mega Cab Laramie 4WD||$370||$712||$650||$38||$194||$1,964||$164|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in specific location which can increase or decrease coverage rates noticeably.
The illustration below illustrates how choosing a deductible and can impact Dodge Ram 2500 yearly insurance costs for different age groups of insureds. The price estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
Dodge Ram 2500 insurance costs by age and gender
The chart below shows the comparison of Dodge Ram 2500 insurance rates for male and female drivers. The information is based on a clean driving record, no claims, comp and collision included, $250 deductibles, single marital status, and no additional discounts are factored in.
Discounts can help lower premiums on Dodge Ram 2500 insurance in Fresno
Some insurers don’t necessarily list every policy discount in a way that’s easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving when you buy Fresno auto insurance online.
- Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Discounts for New Vehicles – Buying a new car model can be considerably cheaper due to better safety requirements for new model year vehicles.
- Professional Organizations – Affiliation with a civic or occupational organization in Fresno could earn you a nice discount on your next renewal.
- Driver Training Discounts – Participating in a course teaching driver safety skills could earn you a small percentage discount and also improve your driving technique.
- Government Employees – Having worked for a branch of the government can earn a discount up to 10% depending on your auto insurance provider.
- Accident Waiver – Not really a discount, but some insurance companies will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
Discounts lower rates, but many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
The illustration below illustrates the difference between Dodge Ram 2500 annual premium costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, safe-driver, and claim-free discounts applied.
If you would like to choose from a list of companies who offer online Dodge Ram 2500 insurance quotes in California, click this link.
How Car Insurance Companies Calculate Dodge Ram 2500 Insurance Prices
Lots of factors are part of the equation when quoting car insurance. Some are pretty understandable such as your driving history, although others are not as apparent such as your marital status or your financial responsibility.
Consolidate and save – Most major auto insurance companies afford lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, it’s in your best interest to comparison shop to help ensure you have the lowest rates.
Teenage drivers pay high rates – Drivers with little experience are known to be easily distracted when driving and because of this, their auto insurance rates are much higher. More experienced drivers tend to be more responsible, are lower risk to insure, and are safer drivers.
The next chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Better premiums for continuous auto insurance coverage – Driving without insurance coverage in place is against the law and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance may earn you a revoked license or a big fine.
More traffic means higher claims – Being located in small towns and rural areas is a good thing when it comes to auto insurance. Residents of big cities have to deal with much more traffic and more severe claims. Fewer drivers and short commutes corresponds to lower accident rates and lower theft and vandalism rates.
Premiums are affected by your credit rating – Having a bad credit rating factor in determining premium rates. Drivers with very high credit ratings tend to file fewer claims as compared to drivers with poor credit scores. Therefore, if your credit score can be improved, you could pay less to insure your Dodge Ram 2500 by improving your rating.
Avoid tickets and save – How you drive impacts premiums far more than you think. Just one ticket can increase the cost of insurance twenty percent or more. Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Drivers who have received license-revoking tickets such as DWI, reckless driving or hit and run convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to keep their license.
The illustration below shows how speeding tickets and accident claims can affect Dodge Ram 2500 insurance rates for different ages of insureds. The costs are based on a married female driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
Does your employer raise your rates? – Did you know your occupation can influence how much you pay for auto insurance? Jobs like real estate brokers, airline pilots, and miners generally pay higher average rates in part from intense work situations and long work hours. Other careers like actors, athletes and homemakers pay lower than average rates.
Your situation helps dictate your coverage
Always remember that when buying the right insurance coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply.
These are some specific questions could help you determine if your situation would benefit from professional advice.
- Do all my vehicles need collision coverage?
- How can I get the company to pay a claim?
- Do I need replacement cost coverage?
- Should I drop comprehensive coverage on older vehicles?
- Do they offer discounts for home and auto coverage?
- Is extra glass coverage worth it?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Are insurance agencies a thing of the past?
Many drivers just want to go talk to an agent and often times that is recommended One of the benefits of price shopping on the web is that drivers can save money and get the lowest rates and also buy local.
After completing this form (opens in new window), the quote information is submitted to agents in your area who will gladly provide quotes for your coverage. You don’t have to do any legwork because prices are sent to the email address you provide. You can get cheaper car insurance rates AND an agent nearby. If you need to compare rates from a specific car insurance provider, just find their quoting web page and fill out their quote form.
Choosing an company requires more thought than just a low price. These are some questions you should get answers to.
- Are there any discounts that you might be missing?
- How much training do they have in personal risk management?
- How many years have they been established?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are they paid to recommend certain coverages?
If you need to find a local Fresno insurance agency, it’s important to understand the types of agencies from which to choose. Car insurance agencies are categorized either exclusive or independent.
Exclusive Car Insurance Agents
Exclusive insurance agents can only write with one company and examples are Farmers Insurance, State Farm, or Allstate. They are unable to provide other company’s prices so they really need to provide good service. Exclusive agents are usually well trained on sales techniques and that allows them to sell at a higher price point.
Listed below is a list of exclusive agents in Fresno that are able to give price quote information.
Independent Agencies or Brokers
These agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and the insured can keep the same agent. When comparing rate quotes, we recommend you include rate quotes from several independent insurance agents so that you can do a thorough price comparison.
Shown below is a short list of independent agents in Fresno willing to provide price quote information.
One last thing about your coverage
In this article, we presented many tips how you can reduce Dodge Ram 2500 insurance rates online in Fresno. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. Consumers could even find that the best price on auto insurance is with the least-expected company. These smaller insurers may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm or Progressive.
More affordable auto insurance in Fresno is available both online as well as from insurance agents, so get free Fresno auto insurance quotes from both of them to have the best selection. A few companies do not provide online quoting and most of the time these regional carriers work with local independent agencies.
How to find cheaper quotes for Dodge Ram 2500 insurance in Fresno
Really, the only way to find affordable Dodge Ram 2500 insurance in Fresno is to start comparing prices regularly from insurance carriers in California.
- First, try to comprehend how companies set rates and the things you can control to drop your rates. Many policy risk factors that increase rates like at-fault accidents, speeding tickets, and a not-so-good credit rating can be amended by being financially responsible and driving safely.
- Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies. Find a Fresno insurance agent
- Third, compare the price quotes to your existing coverage to determine if you can save on Ram 2500 insurance in Fresno. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
One thing to point out is to compare the same amount of coverage on every price quote and and to get rate quotes from as many different companies as possible. This ensures an accurate price comparison and many rates to choose from.
- Cellphones, Texting and Driving (iihs.org)
- Who Has Affordable Auto Insurance for Homeowners in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Inexperienced Drivers in Fresno? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Fresno? (FAQ)
- Who Has the Cheapest Fresno Car Insurance for Teenagers? (FAQ)
- What Car Insurance is Cheapest for Drivers Under 21 in Fresno? (FAQ)
- Who Has Cheap Fresno Car Insurance for Low Credit Scores? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)
- Distracted Driving Statistics (Insurance Information Institute)