Being forced to pay for overpriced car insurance premiums can drain your personal savings and possibly require postponing other expenditures. Shopping your coverage around is a great way to lower your bills every month.
A recent car insurance study discovered that most car insurance customers have purchased from the same company for more than four years, and nearly 40% of drivers have never quoted rates to find cheaper coverage. The average driver in Texas can cut their rates by approximately 70% a year just by getting comparison quotes, but they feel it's too difficult to go online and compare rates.
Online insurance companies like GEICO, Progressive and Allstate all promote huge savings with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
Finding Dodge Ram insurance in San Antonio
Just keep in mind that comparing more rates from different companies helps improve the odds of finding lower pricing. Some regional insurers cannot provide online rate quotes, so it's necessary to compare quotes on coverage from those companies, too.
The companies in the list below are our best choices to provide free quotes in San Antonio, TX. If your goal is to find cheap auto insurance in Texas, we recommend you compare several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$206||$322||$452||$26||$136||$1,142||$95|
|Ram Quad Cab TRX4 Off Road 2WD||$262||$392||$440||$26||$132||$1,252||$104|
|Ram Quad Cab SLT 2WD||$318||$580||$452||$26||$136||$1,512||$126|
|Ram Crew Cab ST 2WD||$210||$340||$414||$24||$124||$1,112||$93|
|Ram Quad Cab ST 4WD||$200||$306||$440||$26||$132||$1,104||$92|
|Ram Crew Cab SLT 2WD||$260||$452||$560||$34||$168||$1,474||$123|
|Ram Crew Cab TRX 2WD||$176||$306||$452||$26||$136||$1,096||$91|
|Ram Quad Cab SLT 4WD||$378||$496||$564||$34||$168||$1,640||$137|
|Ram Crew Cab ST 4WD||$256||$412||$404||$24||$122||$1,218||$102|
|Ram Crew Cab Sport 2WD||$254||$452||$582||$34||$174||$1,496||$125|
|Ram Quad Cab Sport 2WD||$232||$392||$404||$24||$122||$1,174||$98|
|Ram Quad Cab TRX4 Off Road 4WD||$470||$698||$564||$34||$168||$1,934||$161|
|Ram Crew Cab TRX 4WD||$294||$542||$520||$30||$156||$1,542||$129|
|Ram Crew Cab SLT 4WD||$254||$452||$582||$34||$174||$1,496||$125|
|Ram Quad Cab Laramie 2WD||$354||$684||$452||$26||$136||$1,652||$138|
|Ram Crew Cab Laramie 2WD||$300||$472||$430||$26||$128||$1,356||$113|
|Ram Crew Cab Sport 4WD||$234||$400||$414||$24||$124||$1,196||$100|
|Ram Quad Cab Sport 4WD||$362||$672||$520||$30||$156||$1,740||$145|
|Ram Crew Cab Laramie 4WD||$412||$804||$430||$26||$128||$1,800||$150|
|Ram Quad Cab Laramie 4WD||$318||$666||$404||$24||$122||$1,534||$128|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in specific location which can revise premium rates greatly.
Physical damage deductibles
The example below demonstrates how deductible levels and can influence Dodge Ram annual premium costs for different age groups of insureds. The premium estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.
Driving violations and accidents
The chart below shows how speeding tickets and accident claims drive up Dodge Ram insurance rates for each different age group. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Get rate quotes but still have a local neighborhood San Antonio car insurance agent
Some people prefer to sit down with an agent and doing that can be a smart decision An additional benefit of getting online price quotes is you can get cheap rate quotes and still buy from a local agent.
Upon completion of this quick form, your insurance coverage information is transmitted to local insurance agents who will return price quotes for your business. It's much easier because you don't need to contact any agents as quotes are delivered to you instantly. Get lower rates without the usual hassles of price shopping. If you need to compare prices from a particular provider, just go to their quote page and fill out their quote form.
Finding the right insurer shouldn't rely on just the bottom line cost. Below are some questions you should ask.
- How many companies do they write for?
- Has the agent ever had any license suspensions?
- What are the financial ratings for the companies they represent?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is there a Errors and Omissions policy in force?
- If independent agents, which companies do they recommend?
Compare rates from both independent and exclusive car insurance agents
If you want a good insurance agency, it can be helpful to understand the types of insurance agents and how they operate. Auto insurance policy providers are categorized either independent agents or exclusive agents.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive can only provide pricing for a single company and some examples include Allstate, Farmers Insurance or State Farm. They are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agencies are trained well on what they offer and that enables them to sell even at higher rates.
Shown below are San Antonio exclusive agencies that are able to give price quote information.
Independent Agents (or Brokers)
Independent agencies are normally appointed by many insurers so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house and you can keep the same agent.
When comparing rates, you should always check rates from at least one independent agent to maximize your price options.
Listed below is a short list of independent agencies in San Antonio that can give you rate quotes.
A and A Insurance Agency
1317 Castroville Rd - San Antonio, TX 78237 - (210) 434-2311 - View Map