Best Insurance for a Dodge Ram 3500 in Fresno

Insurance for Dodge Ram 3500The preferred way to save money on Dodge Ram 3500 insurance in Fresno is to regularly compare price quotes from insurers who sell auto insurance in California.

  1. Try to understand how your policy works and the modifications you can make to keep rates in check. Many rating factors that cause rate increases such as high-risk driving behaviors and a less-than-favorable credit score can be eliminated by paying attention to minor details.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple sources. Compare rates
  3. Compare the price quotes to the premium of your current policy and see if there is a cheaper rate. If you can save money and decide to switch, verify that coverage does not lapse between policies.
  4. Notify your company or agent of your decision to cancel your current auto insurance policy. Submit a down payment and signed policy application to your new company or agent. Immediately put the new proof of insurance paperwork along with your vehicle registration.

A valuable tip to remember is to use the same deductibles and limits on every price quote and and to get quotes from all possible companies. Doing this guarantees a level playing field and plenty of rates choose from.

Sad but true, a large majority of auto insurance policyholders have purchased from the same company for more than four years, and 38% of customers have never even compared rates from other companies. California insurance shoppers can cut their rates by as much as 35% a year, but they assume it’s a waste of time to shop around.

Why You Might Pay Lower Rates in Fresno

Many things are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other criteria are more transparent like your vehicle usage or your financial responsibility.

The itemized list below are some of the factors that factor into your premiums.

Rates and information analytics

The price information below outlines different insurance prices for Dodge Ram 3500 models. Being able to understand how insurance prices are established helps drivers make smart choices when buying a car insurance policy.


Dodge Ram 3500 Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $300 $490 $424 $26 $126 $1,366 $114
Ram 3500 Crew Cab ST 2WD $370 $576 $424 $26 $126 $1,522 $127
Ram 3500 Crew Cab ST 4WD $370 $664 $636 $38 $190 $1,898 $158
Ram 3500 Crew Cab SLT 2WD $370 $664 $424 $26 $126 $1,610 $134
Ram 3500 Mega Cab SLT 2WD $370 $664 $424 $26 $126 $1,610 $134
Ram 3500 Mega Cab SLT 4WD $370 $750 $636 $38 $190 $1,984 $165
Ram 3500 Crew Cab SLT 4WD $370 $750 $636 $38 $190 $1,984 $165
Ram 3500 Crew Cab Laramie 4WD $370 $750 $636 $38 $190 $1,984 $165
Ram 3500 Mega Cab Laramie 2WD $370 $664 $424 $26 $126 $1,610 $134
Ram 3500 Crew Cab Laramie 2WD $370 $664 $424 $26 $126 $1,610 $134
Ram 3500 Mega Cab Laramie 4WD $370 $750 $636 $38 $190 $1,984 $165
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in Fresno location which can raise or lower price quotes considerably.

Deductible comparison

One frequently asked question is which deductible level should you buy. The rates below can help you understand the rate difference when you choose different deductibles. The first set of rates uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.


Dodge Ram 3500 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $430 $686 $442 $26 $132 $1,741 $145
Ram 3500 Crew Cab ST 2WD $528 $810 $442 $26 $132 $1,963 $164
Ram 3500 Crew Cab ST 4WD $528 $932 $662 $40 $198 $2,385 $199
Ram 3500 Crew Cab SLT 2WD $528 $932 $442 $26 $132 $2,085 $174
Ram 3500 Mega Cab SLT 2WD $528 $932 $442 $26 $132 $2,085 $174
Ram 3500 Mega Cab SLT 4WD $528 $1054 $662 $40 $198 $2,507 $209
Ram 3500 Crew Cab SLT 4WD $528 $1054 $662 $40 $198 $2,507 $209
Ram 3500 Crew Cab Laramie 4WD $528 $1054 $662 $40 $198 $2,507 $209
Ram 3500 Mega Cab Laramie 2WD $528 $932 $442 $26 $132 $2,085 $174
Ram 3500 Crew Cab Laramie 2WD $528 $932 $442 $26 $132 $2,085 $174
Ram 3500 Mega Cab Laramie 4WD $528 $1054 $662 $40 $198 $2,507 $209
Get Your Own Custom Quote Go

Dodge Ram 3500 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $314 $464 $442 $26 $132 $1,378 $115
Ram 3500 Crew Cab ST 2WD $384 $546 $442 $26 $132 $1,530 $128
Ram 3500 Crew Cab ST 4WD $384 $630 $662 $40 $198 $1,914 $160
Ram 3500 Crew Cab SLT 2WD $384 $630 $442 $26 $132 $1,614 $135
Ram 3500 Mega Cab SLT 2WD $384 $630 $442 $26 $132 $1,614 $135
Ram 3500 Mega Cab SLT 4WD $384 $712 $662 $40 $198 $1,996 $166
Ram 3500 Crew Cab SLT 4WD $384 $712 $662 $40 $198 $1,996 $166
Ram 3500 Crew Cab Laramie 4WD $384 $712 $662 $40 $198 $1,996 $166
Ram 3500 Mega Cab Laramie 2WD $384 $630 $442 $26 $132 $1,614 $135
Ram 3500 Crew Cab Laramie 2WD $384 $630 $442 $26 $132 $1,614 $135
Ram 3500 Mega Cab Laramie 4WD $384 $712 $662 $40 $198 $1,996 $166
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in vehicle location which can lower or raise coverage prices significantly.

Based on this data, using a $100 deductible costs roughly $39 more each month or $468 a year averaged for all Ram 3500 models than buying the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 10 months between claims, you would save money by selecting a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $185
Average monthly premium for $500 deductibles (subtract): – $146
Monthly savings from raising deductible: $39
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

Verify you’re earning every discount

The cost of insuring your cars can be expensive, but you might be missing out on some discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but some need to be asked for prior to getting the savings. If you do not double check each discount you qualify for, you’re paying more than you need to.Cheaper car insurance with discounts

Drivers should understand that most of the big mark downs will not be given the whole policy. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way. But all discounts will help reduce your policy cost.

The chart below shows the comparison of Dodge Ram 3500 annual premium costs with and without discounts applied to the rates. The costs are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, multi-car, marriage, and homeowner discounts applied.

To choose car insurance companies that can offer you the previously mentioned discounts in California, click here to view.

Smart shoppers get results

You just learned quite a bit of information on how to compare Dodge Ram 3500 insurance premium rates in Fresno. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best premium rates are with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as GEICO and State Farm.

When shopping online for auto insurance, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

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