Affordable Dodge Ram Insurance in Fresno

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Discount Dodge Ram insuranceIf your goal is the lowest price, then the best way to find cheaper prices for Dodge Ram insurance is to compare quotes annually from insurance carriers who sell auto insurance in Fresno. Prices can be compared by following these steps.

  • Step 1: Take a few minutes and learn about how your policy works and the measures you can control to lower rates. Many rating factors that result in higher rates like accidents, traffic tickets, and a negative credit history can be eliminated by making lifestyle changes or driving safer.
  • Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple sources.
  • Step 3: Compare the new rate quotes to your existing policy and see if there is a cheaper rate in Fresno. If you can save some money and make a switch, make sure coverage is continuous and does not lapse.
  • Step 4: Provide proper notification to your current company to cancel your current policy. Submit a completed policy application and payment to your new company or agent. As soon as you receive it, keep the new certificate verifying coverage in your vehicle.

A good tip to remember is to make sure you enter the same coverage limits and deductibles on each quote and and to look at as many companies as you can. Doing this helps ensure a fair rate comparison and the best price quote selection.

It's a known fact that auto insurance companies don't want you quoting rates from other companies. Consumers who get comparison quotes once a year will most likely buy a different policy because there are good odds of finding a more affordable policy. A recent insurance study revealed that consumers who routinely compared quotes saved $3,500 over four years compared to drivers who never compared other company's rates.

If finding the cheapest rates on auto insurance is your objective, then learning a little about the best way to quote and compare insurance rates can help you succeed in finding affordable rates.

Low cost Dodge Ram insurance prices in Fresno

The companies shown below have been selected to offer quotes in California. If multiple companies are listed, we suggest you visit several of them to get a more complete price comparison.

Why you need quality insurance for your Dodge Ram

Despite the fact that car insurance is not cheap in Fresno, insurance is required by state law in California and it also provides benefits you may not be aware of.

First, just about all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your Dodge Ram with a loan, it's most likely the lender will stipulate that you have insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Dodge at a much higher rate and force you to pay for the much more expensive policy.

Third, car insurance preserves your Dodge Ram and your assets. It also can pay for medical bills for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the repair costs.

The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. The average driver in America is wasting up to $825 a year so compare quotes from several companies once a year at a minimum to help ensure money is not being wasted.

Statistics and details

The price information below highlights estimates of rate quotes for Dodge Ram models. Learning more about how car insurance prices are figured can be useful when making smart choices when choosing a car insurance company.

Dodge Ram Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $346 $520 $514 $30 $154 $1,564 $130
Ram Quad Cab TRX4 Off Road 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Quad Cab SLT 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab ST 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Quad Cab ST 4WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab SLT 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab TRX 2WD $390 $632 $514 $30 $154 $1,720 $143
Ram Quad Cab SLT 4WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab ST 4WD $390 $632 $514 $30 $154 $1,720 $143
Ram Crew Cab Sport 2WD $436 $744 $514 $30 $154 $1,878 $157
Ram Quad Cab Sport 2WD $436 $744 $514 $30 $154 $1,878 $157
Ram Quad Cab TRX4 Off Road 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab TRX 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab SLT 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Quad Cab Laramie 2WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab Laramie 2WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab Sport 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Quad Cab Sport 4WD $436 $744 $514 $30 $154 $1,878 $157
Ram Crew Cab Laramie 4WD $436 $856 $514 $30 $154 $1,990 $166
Ram Quad Cab Laramie 4WD $436 $856 $514 $30 $154 $1,990 $166
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in your specific Fresno location which can affect prices significantly.

Rate increases following a ticket or accident

The illustration below shows how traffic citations and at-fault collisions raise Dodge Ram insurance costs for different age groups. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Should you buy full coverage?

The example below shows the comparison of Dodge Ram insurance costs with and without full coverage. The rate quotes are based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no set rule for dropping comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Dodge Ram replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your policy deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

These discounts can reduce Dodge Ram insurance rates

Car insurance is not cheap, but companies offer discounts that you may not even know about. Some trigger automatically when you get a quote, but a few must be manually applied before they will apply.Discount insurance

  • Good Grades Discount - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Distant Student - Kids who are enrolled in a college that is more than 100 miles from Fresno and don't have a car can be insured at a reduced rate.
  • Drive Less and Save - Maintaining low annual mileage could qualify for better rates on cars that stay parked.
  • Professional Memberships - Participating in a civic or occupational organization in Fresno is a good way to get lower rates on your next insurance statement.
  • Passive Restraint Discount - Options like air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

The chart below shows the difference between Dodge Ram car insurance rates with and without discounts applied. The information is based on a female driver, no violations or accidents, 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-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.

Some companies who might offer these benefits include:

It's a good idea to ask every company what discounts are available to you. Some of the earlier mentioned discounts might not be offered in every state. To see companies that offer many of these discounts in Fresno, click this link.

Independent or exclusive insurance agents

Certain consumers still prefer to have an agent's advice and that is OK! Most agents can answer important questions and help you file claims. One of the best bonuses of getting free rate quotes online is that you can obtain lower prices and still have a local agent.

Fresno insurance agentsFor easy comparison, once you complete this quick form, your coverage information is instantly submitted to insurance agents in Fresno who will give you bids to get your business. It makes it easy because there is no need to contact any agents since rate quotes are delivered directly to your email. If you wish to get a price quote for a specific company, don't hesitate to visit that company's website and submit a quote form there.

Picking the best provider should depend on more than just the premium amount. Agents should be asked these questions:

  • What company holds the largest book of business for them?
  • How are they compensated?
  • Is the coverage adequate for your vehicle?
  • How is replacement cost determined on your vehicle?
  • How often do they review coverages?

Fresno auto insurance agents come in two flavors

If you are wanting to purchase insurance from an insurance agent, it can be helpful to understand the types of agencies and how they operate. Agencies in Fresno may be either exclusive agents or independent agents. Both types of agents can properly insure your vehicles, but it is important to understand the differences because it can factor into which agent you choose.

Exclusive Insurance Agents

Exclusive agents work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to give you multiple price quotes so always compare other rates. Exclusive agents receive extensive training on sales techniques which can be an advantage.

Below is a list of exclusive agencies in Fresno who can help you get price quotes.


6105 E Kings Canyon Rd Ste 108 - Fresno, CA 93727 - (559) 453-1554 - View Map


4185 W Figarden Dr #101 - Fresno, CA 93722 - (559) 527-5530 - View Map

Lynn Hamilton - State Farm Insurance Agent
6716 N Cedar Ave #210 - Fresno, CA 93710 - (559) 323-9800 - View Map

View more agents

Independent Agencies or Brokers

Independent insurance agents are not restricted to one company so they can insure your vehicles through many different insurance companies and find you cheaper rates. If they find a cheaper price, they simply move the coverage in-house and that require little work on your part.

When comparing insurance rates, it's a good idea to get quotes from a few independent agents to have the most options to choose from.

Shown below is a list of independent agencies in Fresno willing to provide price quote information.


3668 W Shaw Ave - Fresno, CA 93711 - (559) 275-9911 - View Map

California A1 Stars Insurance Solutions
1589 W Shaw Ave #13 - Fresno, CA 93711 - (559) 412-2957 - View Map


3245 W Figarden Dr - Fresno, CA 93711 - (559) 256-2500 - View Map

View more agents

If you receive reasonable responses to all your questions and a low price estimate, you may have just found an auto insurance agent that is a good match to adequately provide insurance.

Quote often and quote early

The cheapest Dodge Ram insurance in Fresno can be found both online and with local Fresno insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies may not have online rate quotes and many times these regional carriers prefer to sell through local independent agents.

When you buy Fresno auto insurance online, don't be tempted to reduce coverage to reduce premium. In many instances, consumers will sacrifice collision coverage only to regret at claim time that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest price and still be able to protect your assets.

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