Are you doing reasearch to find more competitive Dodge Ram insurance in Raleigh? Are you burned out from not being able to scrape enough together to pay high auto insurance rates every month? You are no different than many other vehicle owners in North Carolina.
Amazingly, nearly 70% of consumers kept their policy with the same company for four years or more, and just short of a majority have never compared quotes from other companies. Raleigh consumers could save themselves approximately $100 a year by just comparing quotes, but they underestimate how much they could save if they moved their coverage to a different company. Since you have so many insurance companies to choose from that have lower-cost insurance for a Dodge Ram in Raleigh, it is very difficult to choose the cheapest auto insurance company.
You need to do price comparisons occasionally since prices are adjusted regularly by insurance companies. Just because you found the best rates on Dodge Ram insurance in Raleigh a few years ago you can probably find a lower rate today. There are lots of tips to save on Ram insurance online but in just a couple of minutes you can learn some excellent ideas to put money back in your pocket.
Many insurance companies such as GEICO, State Farm and Progressive make it easy to get coverage price quotes online. Getting online rates for Dodge Ram insurance in Raleigh can be done by anyone as you simply enter the coverages you want into the form. Once you submit the form, their system will order your driving record and credit report and returns pricing information determined by many factors. Getting online price quotes for Dodge Ram insurance in Raleigh makes it simple to compare prices and it is important to compare as many rates as possible in order to get the cheapest price possible.
To find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you copy coverages and limits as shown on your current policy. This ensures you will have rate quotes for the exact same coverage.
The providers in the list below are our best choices to provide comparison quotes in Raleigh, NC. If several companies are displayed, we suggest 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||$116||$164||$286||$16||$86||$668||$56|
|Ram Quad Cab TRX4 Off Road 2WD||$186||$318||$296||$18||$88||$906||$76|
|Ram Quad Cab SLT 2WD||$186||$318||$318||$18||$96||$936||$78|
|Ram Crew Cab ST 2WD||$128||$230||$366||$22||$110||$856||$71|
|Ram Quad Cab ST 4WD||$168||$270||$264||$16||$80||$798||$67|
|Ram Crew Cab SLT 2WD||$116||$200||$318||$18||$96||$748||$62|
|Ram Crew Cab TRX 2WD||$168||$270||$264||$16||$80||$798||$67|
|Ram Quad Cab SLT 4WD||$186||$322||$264||$16||$80||$868||$72|
|Ram Crew Cab ST 4WD||$268||$476||$380||$22||$114||$1,260||$105|
|Ram Crew Cab Sport 2WD||$208||$394||$318||$18||$96||$1,034||$86|
|Ram Quad Cab Sport 2WD||$308||$456||$368||$22||$110||$1,264||$105|
|Ram Quad Cab TRX4 Off Road 4WD||$144||$272||$366||$22||$110||$914||$76|
|Ram Crew Cab TRX 4WD||$210||$388||$270||$16||$80||$964||$80|
|Ram Crew Cab SLT 4WD||$232||$432||$366||$22||$110||$1,162||$97|
|Ram Quad Cab Laramie 2WD||$224||$308||$368||$22||$110||$1,032||$86|
|Ram Crew Cab Laramie 2WD||$232||$470||$318||$18||$96||$1,134||$95|
|Ram Crew Cab Sport 4WD||$208||$394||$318||$18||$96||$1,034||$86|
|Ram Quad Cab Sport 4WD||$268||$470||$380||$22||$114||$1,254||$105|
|Ram Crew Cab Laramie 4WD||$208||$454||$318||$18||$96||$1,094||$91|
|Ram Quad Cab Laramie 4WD||$170||$348||$296||$18||$88||$920||$77|
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific zip code location which can raise or lower coverage rates greatly.
Discounts can help save money on Dodge Ram insurance in Raleigh
Insurance can be prohibitively expensive, but discounts can save money and there are some available that many consumers don't even know exist. Most are applied at the time of quoting, but some need to be manually applied prior to receiving the credit.
- Anti-theft Discount - Cars that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
- Discounts for Good Drivers - Insureds who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Professional Organizations - Joining a civic or occupational organization in Raleigh could earn you a nice discount on your policy.
- Passive Restraints - Factory options such as air bags or automatic seat belts may get savings of 20 to 30 percent.
- Multiple Cars - Having multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
- Government Employee Discount - Being employed by or retired from a federal job can save as much as 8% but check with your company.
You should keep in mind that most credits do not apply the the whole policy. Most only cut specific coverage prices like comp or med pay. Even though the math looks like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
Some of the larger companies that may offer these money-saving discounts include:
When quoting, ask every insurance company which discounts can lower your rates. Some discounts listed above may not be offered in every state. To locate insurance companies that provide some of the discounts listed above in North Carolina, follow this link.
It may be expensive, but it's not optional
Despite the fact that insurance is not cheap in Raleigh, buying insurance is required in North Carolina but also provides important benefits.
First, the majority of states have minimum liability requirements which means the state requires specific minimum amounts of liability if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Dodge Ram, more than likely the lender will make it mandatory that you have physical damage coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Dodge for a much higher rate and require you to fork over for it.
Third, insurance safeguards both your vehicle and your personal assets. It will also reimburse you for medical expenses that are the result of an accident. Liability coverage also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $830 a year so it's important to compare rates at every renewal to be sure current rates are still competitive.
When to contact a local insurance agent
Certain consumers still like to go talk to an agent and that can be a great decision Good insurance agents can help determine the best coverages and will help you if you have claims. A good thing about comparing auto insurance online is that you can obtain cheaper prices and still have a local agent.
After filling out this simple form, your insurance coverage information is instantly submitted to companies in Raleigh who can give free rate quotes for your auto insurance coverage. You won't even need to contact an agency since rate quotes are delivered to you directly. In the event you want to compare rates from one company in particular, you would need to visit that company's website and fill out their quote form.
Picking an insurer should depend on more than just the price. Any good agent in Raleigh should know the answers to these questions.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is the agency active in community causes in Raleigh?
- If independent agents, which companies do they recommend?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How many years of experience in personal auto insurance do they have?
- Is the agent properly licensed in North Carolina?
- Does the agent recommend any additional coverage?
- If you are a high risk driver, do they have special markets for your coverage?
When searching for a local Raleigh insurance agent, it's important to understand the types of insurance agents that differ in how they can insure your vehicles. Agents in Raleigh are either independent or exclusive. Either one can sell and service auto insurance coverage, but it is a good idea to know how they differ because it can influence which agent you choose.
Exclusive Auto Insurance Agents
Exclusive insurance agents can only place business with one company such as AAA, Allstate, and State Farm. These agents are not able to provide other company's prices so always compare other rates. Exclusive agencies receive a lot of sales training in insurance sales and that allows them to sell at a higher price point.
Shown below is a short list of exclusive insurance agencies in Raleigh that can give you rate quotes.
John Hill - State Farm Insurance Agent
7320 Six Forks Rd #200 - Raleigh, NC 27615 - (919) 848-0644 - View Map
Independent Auto Insurance Agents
These type of agents are normally appointed by many insurers so they can insure your vehicles with many different companies depending on which coverage is best. If they quote lower rates, the business is moved internally without you having to go to a different agency.
If you need cheaper auto insurance rates, you should always compare prices from several independent insurance agents to have the most options to choose from.
Shown below is a list of independent insurance agencies in Raleigh willing to provide price quotes.
Nationwide Insurance: E Bradford Parker Insurance Agency Inc
1425 Rock Quarry Rd #105a - Raleigh, NC 27610 - (919) 833-6111 - View Map