Who Has Affordable Auto Insurance for a Dodge Ram in San Diego?

Buying cheap auto insurance for a Dodge Ram in California is fairly easy, but it hinges on many rating criteria such as your financial responsibility, the size of your vehicle, and any prior driving citations you have received. Drivers pay around $1,573 each year for Ram insurance, but that amount is a valuation based upon a 50-year-old married male driver with full physical damage coverage and $100 deductibles.

When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 50 years old or even a male, maybe you are single instead of married, or maybe you just want different deductibles. This illustrates why the best method for finding cheap insurance prices for your Dodge is to do your own rate comparisons.

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The trim level of your vehicle will influence the cost of insurance, so the cost to insure a Ram Quad Cab ST 2WD trim level will be $388 lower than the insurance cost for the fancier Ram Quad Cab Laramie 4WD trim level, as shown in the prices below.

Dodge Ram Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $296 $480 $480 $28 $144 $1,428 $119
Ram Quad Cab TRX4 Off Road 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Quad Cab SLT 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab ST 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Quad Cab ST 4WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab SLT 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab TRX 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Quad Cab SLT 4WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab ST 4WD $334 $584 $480 $28 $144 $1,570 $131
Ram Crew Cab Sport 2WD $372 $688 $480 $28 $144 $1,712 $143
Ram Quad Cab Sport 2WD $372 $688 $480 $28 $144 $1,712 $143
Ram Quad Cab TRX4 Off Road 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab TRX 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab SLT 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Quad Cab Laramie 2WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab Laramie 2WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab Sport 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Quad Cab Sport 4WD $372 $688 $480 $28 $144 $1,712 $143
Ram Crew Cab Laramie 4WD $372 $792 $480 $28 $144 $1,816 $151
Ram Quad Cab Laramie 4WD $372 $792 $480 $28 $144 $1,816 $151
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can modify insurance rates considerably.

Buying coverage from a highly-rated insurer is hard considering how many different insurance companies sell coverage in California. The ranking information displayed below may help you analyze which auto insurers to look at when trying to find cheaper insurance for a Dodge Ram. The ratings below are for companies that insure vehicles across America, so companies that only write business in California or surrounding areas are not factored into this list.

San Diego, CA Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

Full coverage rates compared to liability only

Buying cheaper car insurance is the goal of the majority of drivers, and one common way to save on the cost of insurance for a Dodge Ram is to only buy liability coverage. The information below compares premium costs with full coverage and liability only. The information is based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.

Averaged out for all age groups, comp and collision coverage costs $3,504 per year more than insuring for liability only. Lot’s of drivers question if full coverage is worth the money. There isn’t a written rule for dropping physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

There are some conditions where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

The information below shows how choosing a deductible can affect insurance costs when searching for cheap insurance for a Dodge Ram. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could save $504 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $760 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could reduce their rates up to $1,076 or more just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will be required to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to find more affordable insurance for a Dodge Ram

The list below summarizes some of the recommended penny-pinching ideas that can help you buy lower-cost auto insurance.

The last item on the list is especially necessary, as we noted in the article above. Rates in San Diego can be adjusted at any time, so don’t be unwilling to change insurance companies if you can find a cheaper rate.

Many drivers prefer to stick with one company, but it’s not recommended if it’s costing you money that could be used for better things. In less than five minutes you could compare rates to find cheaper auto insurance for a Dodge Ram.

If you like to get some professional input when trying to find lower insurance rates for a Dodge Ram, the agents below can help you make a decision which policy fits your needs best.

To find an auto insurance agency close to you, click the button link following the list.

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