Are you tired of overpaying and want cheaper Dodge Ram insurance in Dallas? There isn't a single person who anticipates paying for car insurance, particularly when they could find lower prices if they just compared rates.
A recent study showed that a large majority of car insurance policyholders renewed their policy with the same company for well over three years, and about 40% of consumers have never shopped around. With the average premium in Texas being $2,680, drivers can cut their rates by nearly 70% a year by just comparing rate quotes, but they just don't understand how easy it is to compare rate quotes.
Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rate on Dodge Ram insurance in Dallas.
It's a good idea to get comparison quotes at least once a year since insurance prices are rarely the same from one policy term to another. Even if you got the best rate on Dodge Ram insurance in Dallas a year ago the chances are good that you can find a lower premium rate today. Ignore everything you know about car insurance because we're going to demonstrate the fastest and easiest way to lower your rates without sacrificing coverage.
To find more affordable rates, there are a couple of ways to obtain and compare prices from local Dallas car insurance companies. The easiest way to compare Dodge Ram insurance prices consists of shopping online.
It's so simple to compare car insurance price quotes online makes it obsolete to actually drive to and from local Dallas insurance agencies. Comparing online rate quotes eliminates the middleman unless you have a complicated situation and need the personal advice that only an agent can give. Drivers can price shop online and have a local agent actually service the policy.
When price shopping your coverage, comparing a wide range of rates increases the chance that you will find a better price. Some insurance companies are not set up to provide price estimates online, so you also need to get rates from them, too.
The auto insurance companies shown below offer comparison quotes in Texas. If you want to find the best cheap car insurance in Texas, it's a good idea that you visit two to three different companies in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$282||$476||$452||$26||$136||$1,372||$114|
|Ram Quad Cab TRX4 Off Road 2WD||$256||$412||$404||$24||$122||$1,218||$102|
|Ram Quad Cab SLT 2WD||$318||$610||$486||$28||$146||$1,588||$132|
|Ram Crew Cab ST 2WD||$208||$332||$404||$24||$122||$1,090||$91|
|Ram Quad Cab ST 4WD||$262||$392||$440||$26||$132||$1,252||$104|
|Ram Crew Cab SLT 2WD||$318||$610||$486||$28||$146||$1,588||$132|
|Ram Crew Cab TRX 2WD||$228||$384||$582||$34||$174||$1,402||$117|
|Ram Quad Cab SLT 4WD||$232||$412||$486||$28||$146||$1,304||$109|
|Ram Crew Cab ST 4WD||$246||$368||$444||$26||$132||$1,216||$101|
|Ram Crew Cab Sport 2WD||$322||$594||$414||$24||$124||$1,478||$123|
|Ram Quad Cab Sport 2WD||$458||$858||$582||$34||$174||$2,106||$176|
|Ram Quad Cab TRX4 Off Road 4WD||$208||$338||$444||$26||$132||$1,148||$96|
|Ram Crew Cab TRX 4WD||$360||$572||$440||$26||$132||$1,530||$128|
|Ram Crew Cab SLT 4WD||$334||$580||$582||$34||$174||$1,704||$142|
|Ram Quad Cab Laramie 2WD||$376||$642||$444||$26||$132||$1,620||$135|
|Ram Crew Cab Laramie 2WD||$258||$486||$486||$28||$146||$1,404||$117|
|Ram Crew Cab Sport 4WD||$354||$684||$452||$26||$136||$1,652||$138|
|Ram Quad Cab Sport 4WD||$292||$462||$440||$26||$132||$1,352||$113|
|Ram Crew Cab Laramie 4WD||$176||$352||$404||$24||$122||$1,078||$90|
|Ram Quad Cab Laramie 4WD||$318||$660||$486||$28||$146||$1,638||$137|
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in your specific Dallas location which can alter premium rates significantly.
Comparing quotes from local Dallas car insurance agents
Many people just prefer to get professional advice from a licensed agent and that is just fine! An additional benefit of comparing insurance online is that you can obtain cheaper prices and also buy local.
Once you complete this short form, your coverage information is emailed to companies in Dallas who want to provide quotes for your business. You never need to search for an agent because quoted prices will be sent directly to your email. You'll get the best rates AND an agent nearby. If you wish to get a comparison quote from a specific insurance provider, you can always go to their quote page and fill out their quote form.
Finding a good insurance company should include more criteria than just the price. Ask your prospective agent these questions:
- Do they feel the quoted coverages are adequate?
- Will your rates increase after a single accident?
- Is insurance their full-time profession?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How much will you save each year by using a higher deductible?
- Will their companies depreciate repairs to your car based on the mileage?
- Are claims handled at the agent's location?
- Are aftermarket or OEM parts used to repair vehicles?
Dallas auto insurance agents are either independent or exclusive
When narrowing the list to find a local agent, it's helpful to know the types of agencies from which to choose. Insurance policy providers can be classified as either independent or exclusive depending on the company they work for.
These agents have only one company to place business with and some examples include Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies are highly trained on sales techniques which helps offset the inability to provide other markets.
Below are Dallas exclusive agents who may provide you with price quote information.
Independent Insurance Agencies
Agents in the independent channel are not locked into one company and that allows them to write policies through lots of different companies and possibly get better coverage at lower prices. If prices rise, the business is moved internally without you having to go to a different agency. When comparing insurance prices, we recommend you get insurance quotes from independent agents to get the most accurate price comparison.
Shown below are independent agents in Dallas who can help you get rate quotes.