Trying to find better insurance prices for a Dodge Ram in Colorado could be difficult, but you can use the following methods to make it easier. There is a better way to compare car insurance rates and you need to know the quickest way to get price quotes on a Dodge and get the lowest possible price from Denver insurance agents and online providers.
A study showed that nearly 70% of consumers have been with the same company for over three years, and roughly 40% of drivers have never compared rates to find cheaper insurance. Denver consumers could save as much as $610 each year just by shopping around, but most just don't grasp the big savings they would realize if they switched.
Cheap Dodge insurance prices in Denver
The companies shown below have been selected to offer free quotes in Denver, CO. If several companies are displayed, it's highly recommended you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$310||$376||$520||$30||$156||$1,392||$116|
|Ram Quad Cab TRX4 Off Road 2WD||$236||$380||$374||$22||$112||$1,124||$94|
|Ram Quad Cab SLT 2WD||$328||$616||$516||$30||$154||$1,644||$137|
|Ram Crew Cab ST 2WD||$294||$536||$416||$24||$124||$1,394||$116|
|Ram Quad Cab ST 4WD||$182||$326||$516||$30||$154||$1,208||$101|
|Ram Crew Cab SLT 2WD||$210||$354||$536||$32||$160||$1,292||$108|
|Ram Crew Cab TRX 2WD||$264||$448||$416||$24||$124||$1,276||$106|
|Ram Quad Cab SLT 4WD||$250||$368||$396||$24||$118||$1,156||$96|
|Ram Crew Cab ST 4WD||$214||$362||$448||$26||$134||$1,184||$99|
|Ram Crew Cab Sport 2WD||$214||$360||$374||$22||$112||$1,082||$90|
|Ram Quad Cab Sport 2WD||$182||$332||$448||$26||$134||$1,122||$94|
|Ram Quad Cab TRX4 Off Road 4WD||$240||$340||$520||$30||$156||$1,286||$107|
|Ram Crew Cab TRX 4WD||$182||$332||$416||$24||$124||$1,078||$90|
|Ram Crew Cab SLT 4WD||$266||$492||$516||$30||$154||$1,458||$122|
|Ram Quad Cab Laramie 2WD||$204||$332||$404||$24||$122||$1,086||$91|
|Ram Crew Cab Laramie 2WD||$326||$662||$448||$26||$134||$1,596||$133|
|Ram Crew Cab Sport 4WD||$164||$288||$382||$22||$114||$970||$81|
|Ram Quad Cab Sport 4WD||$296||$546||$382||$22||$114||$1,360||$113|
|Ram Crew Cab Laramie 4WD||$182||$402||$448||$26||$134||$1,192||$99|
|Ram Quad Cab Laramie 4WD||$252||$460||$408||$24||$122||$1,266||$106|
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage rates significantly.
Dodge Ram insurance premiums by gender and age
The chart below compares Dodge Ram yearly insurance costs for male and female drivers. The premiums assume no violations or claims, full coverage, $250 deductibles, single marital status, and no additional discounts are factored in.
Discounts mean cheaper rates for Dodge Ram insurance in Denver
Auto insurance is not inexpensive, but there could be significant discounts that could help you make your next renewal payment. Many discounts should be triggered when you get a quote, but a few need to be asked for before they will apply.
- Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
- Discounts for Government Workers - Active or retired federal employment could qualify for a slight premium decrease depending on your auto insurance provider.
- Defensive Driver - Successfully completing a course in driver safety could cut 5% off your bill and easily pay for the cost of the class.
- Cautious Drivers - Drivers who don't get into accidents may save up to 50% more as compared to drivers with claims.
- Military Discounts - Having a deployed family member may lower your premium rates slightly.
- Accident Forgiveness Coverage - Not really a discount, but some insurance companies will allow you to have one accident before they charge you more for coverage if you have no claims prior to being involved in the accident.
As a disclaimer on discounts, most discounts do not apply to the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn't work that way.
To find auto insurance companies who offer discounts in Denver, follow this link.
Tailor your insurance coverage to you
When quoting and comparing coverage for your vehicles, there is no best way to insure your cars. Every situation is different.
Here are some questions about coverages that might help in determining whether you might need professional guidance.
- Is water damage covered by my policy?
- How long can I keep a teen driver on my policy?
- Are rental cars covered under my policy?
- What is GAP insurance?
- Is my cargo covered for damage or theft?
- Will my Dodge Ram be repaired with OEM or aftermarket parts?
- Are my custom wheels covered?
If you don't know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don't have a local agent, complete this form. It is quick, free and can provide invaluable advice.
Compare prices but buy from a neighborhood Denver auto insurance agent
A small number of people just prefer to sit down and talk to an agent. Professional agents are very good at helping people manage risk and help you file claims. An additional benefit of getting online price quotes is that you can obtain cheaper auto insurance rates but still work with a licensed agent.
By using this simple form, your coverage information is transmitted to local insurance agents who will gladly provide quotes for your business. You don't have to contact any insurance agencies because prices are sent directly to your email. If you need to get a price quote from one company in particular, you can always go to their quote page to submit a rate quote request.
Finding the right insurance company requires you to look at more than just the quoted price. You should also get answers to these questions.
- How much training do they have in personal risk management?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If independent agents, which companies do they recommend?
- Is coverage determined by price?
- Is their price quote a firm figure or are their hidden costs?
- How often do they review coverages?
Listed below are agents in Denver that can give you price quotes for Dodge Ram insurance in Denver.
- Stephanie Sponder - State Farm Insurance Agent
671 E 19th Ave - Denver, CO 80203 - (303) 744-0757 - View Map
- Don Middleton - State Farm Insurance Agent
1900 Wazee St #1538 - Denver, CO 80202 - (303) 595-5500 - View Map
- State Farm: Charles Insurance Agency
1165 S Broadway #114 - Denver, CO 80210 - (303) 777-7161 - View Map
- Longevity Insurance Brokers
100 Fillmore St - Denver, CO 80206 - (720) 209-4598 - View Map
Do insurance companies bend the truth?
Consumers can't escape the ads that promise big savings for switching from companies such as GEICO, State Farm and Progressive. They all seem to make the point of big savings if you switch to them.
But how can every company sell you cheaper insurance coverage? This is the way they can do it.
Insurance providers quote the lowest rates for the right customer that earns them the most money. One example of this type of insured might be described as over the age of 50, insures multiple vehicles, and has great credit. A driver that matches those criteria will probably get cheap rates as well as save some money.
Insureds who fall short of these standards may be required to pay higher premiums and this results in the customer not buying. The trick companies use is to say "customers who switch" not "everyone who quotes" save that kind of money. This is how companies can truthfully lure you into getting a quote. This emphasizes why it is so important to do a quote comparison often. It is impossible to predict the company that will have the lowest Dodge Ram insurance in Denver.
Car insurance policy coverages for a Dodge Ram
Understanding the coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
This coverage will pay to fix damage to your Ram resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as driving through your garage door, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible on your Ram to save money on collision insurance.
Auto liability insurance
This can cover damage that occurs to other's property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/15 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $15,000 paid for damaged property.
Liability insurance covers claims such as structural damage, repair costs for stationary objects, medical services and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford. Colorado requires drivers to carry at least 25/50/15 but drivers should carry better liability coverage.
Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle's occupants as well as damage to your Dodge Ram.
Since a lot of drivers have only the minimum liability required by law (25/50/15 in Colorado), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Comprehensive or Other Than Collision
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as fire damage, vandalism, theft, hitting a bird and hail damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.
Medical costs insurance
Med pay and PIP coverage provide coverage for immediate expenses for nursing services, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Keep this in mind when shopping around
We covered a lot of techniques to lower your Dodge Ram insurance premium rates in Denver. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest premium rates are with a small mutual company.
As you shop your coverage around, it's a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.
Lower-priced Dodge Ram insurance in Denver can be bought both online as well as from independent agents in Denver, so you should compare both to have the best rate selection. A few companies don't offer internet price quotes and these small insurance companies only sell coverage through local independent agents.
For more information, feel free to browse these articles:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has Affordable Colorado Auto Insurance for Business Use? (FAQ)
- How Much are Auto Insurance Rates for Drivers Under 21 in Colorado? (FAQ)
- Who Has the Cheapest Colorado Auto Insurance for College Students? (FAQ)
- How Much are Colorado Auto Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Insurance Losses by Make and Model (iihs.org)
- Understanding Limits and Deductibles (Allstate)
- Teen Driver Statistics (Insurance Information Institute)