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.

Insurance rates Dodge Ram in San AntonioA 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.

Dodge Ram Insurance Price Estimates in San Antonio, TX
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
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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.

Find insurance agent in San AntonioUpon 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.

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.

6722 S Flores St - San Antonio, TX 78221 - (210) 922-8787 - View Map

19190 Stone Oak Pkwy #112 - San Antonio, TX 78258 - (210) 496-3276 - View Map

1775 Encino Rio Boulevard - San Antonio, TX 78259 - (210) 496-9533 - View Map

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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.

800 Isom Rd # 100 - San Antonio, TX 78216 - (210) 366-5094 - View Map

1534 W Contour Dr #101 - San Antonio, TX 78212 - (210) 828-7873 - View Map

A and A Insurance Agency
1317 Castroville Rd - San Antonio, TX 78237 - (210) 434-2311 - View Map

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