Best Ways to Save on San Diego Dodge Ram 3500 Insurance

Discount Dodge Ram 3500 insuranceI doubt anyone likes paying for insurance, particularly when their premiums are too high.

It’s astonishing, but the vast majority of insurance customers in California have purchased from the same company for at least the last four years, and just under half have never compared rates from other carriers. American consumers could cut their rates by $859 a year just by comparing rates, but they just don’t want to compare rates.

Insurance companies such as State Farm, GEICO and Farmers Insurance continually hit you with advertising and it can be hard to separate fact from fiction and find the best price available.

If you have coverage now, you will be able to save money using these methods. Locating the most cost-effective car insurance policy in San Diego can be much easier if you know how to start. Although California car owners must understand the way companies price insurance differently because rates fluctuate considerably.

Best Dodge Ram 3500 insurance rates in California

The companies shown below offer free quotes in California. If several companies are displayed, we recommend you visit two to three different companies in order to get a fair rate comparison.


Dodge Ram 3500 Insurance Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $264 $446 $596 $36 $178 $1,520 $127
Ram 3500 Crew Cab ST 2WD $330 $536 $464 $28 $138 $1,496 $125
Ram 3500 Crew Cab ST 4WD $454 $960 $748 $44 $224 $2,430 $203
Ram 3500 Crew Cab SLT 2WD $516 $1072 $534 $32 $160 $2,314 $193
Ram 3500 Mega Cab SLT 2WD $364 $648 $416 $24 $124 $1,576 $131
Ram 3500 Mega Cab SLT 4WD $428 $876 $894 $52 $268 $2,518 $210
Ram 3500 Crew Cab SLT 4WD $438 $712 $868 $52 $260 $2,330 $194
Ram 3500 Crew Cab Laramie 4WD $334 $556 $868 $52 $260 $2,070 $173
Ram 3500 Mega Cab Laramie 2WD $406 $764 $500 $30 $150 $1,850 $154
Ram 3500 Crew Cab Laramie 2WD $330 $616 $464 $28 $138 $1,576 $131
Ram 3500 Mega Cab Laramie 4WD $350 $656 $682 $40 $204 $1,932 $161
Get Your Own Custom Quote Go

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in vehicle garaging location which can change coverage rates significantly.

Difference between liability only and full coverage rates

The chart below illustrates the comparison of Dodge Ram 3500 insurance costs with and without physical damage coverage. The prices are based on no accidents or driving violations, $100 deductibles, single female driver, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no set guideline for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Dodge Ram 3500 replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after you pay the deductible. If you are paying more than $600 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some circumstances where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Can higher deductibles save money?

The example below shows how choosing a deductible and can affect Dodge Ram 3500 insurance costs for each different age category. Data assumes a married male driver, full physical damage coverage, and no discounts are applied.

Rate comparison of men versus women in San Diego

The information below illustrates the difference between Dodge Ram 3500 insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.

Six factors that impact insurance costs

Lots of things are used when quoting car insurance. Some are pretty understandable such as traffic violations, but some are more obscure such as your marital status and annual miles driven. Consumers need to have an understanding of some of the elements that come into play when calculating your insurance rates. If you have some idea of what influences your rates, this enables informed choices that could result in lower premium levels.

Get cheaper Dodge Ram 3500 insurance in San Diego with discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that could help you make your next renewal payment. Some discounts apply automatically when you purchase, but once in a while a discount must be requested specifically before you will receive the discount.Insurance discounts

Don’t be surprised that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that you could get a free insurance policy, nobody gets a free ride.

A list of companies and the discounts they provide are shown below.

Check with each company or agent which discounts you may be entitled to. Savings might not be offered on policies in San Diego.

Local neighborhood insurance agents

A lot of people just want to go talk to an agent and that is recommended in a lot of cases A good thing about getting online price quotes is that you can find lower car insurance rates but still work with a licensed agent. And supporting local agencies is important especially in San Diego.

Insurance agency in San DiegoFor easy comparison, once you complete this short form, the coverage information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. It makes it easy because there is no need to leave your house because quoted prices will be sent immediately to you. You can get cheaper insurance rates without the usual hassles of price shopping. If you want to compare prices from a particular provider, just go to their quote page and give them your coverage information.

The following are agents in San Diego who can help you get price quotes for Dodge Ram 3500 insurance in San Diego.


701 B St #2100San Diego, CA 92101(619) 744-5000View Map


3555 Rosecrans St Ste 202San Diego, CA 92110(619) 223-2191View Map


2254 Moore St #103San Diego, CA 92110(619) 295-8412View Map


5425 Oberlin Dr #201San Diego, CA 92121(619) 718-7578View Map

View more San Diego agents

Choosing a insurance company should include more criteria than just a low price. Some important questions to ask are:

Cheaper insurance is out there

We just covered many ideas to reduce Dodge Ram 3500 insurance prices online in San Diego. It’s most important to understand that the more times you quote, the higher your chance of finding affordable Dodge Ram 3500 insurance quotes. Consumers may even find the best prices are with some of the smallest insurance companies. These companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Cheaper insurance in San Diego can be sourced from both online companies as well as from independent agents in San Diego, and you should be comparing both to have the best rate selection. A few companies do not provide online rate quotes and most of the time these regional insurance providers prefer to sell through local independent agencies.

As you quote San Diego car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, drivers have reduced comprehensive coverage or liability limits only to find out that it was a big error on their part. Your goal should be to buy the best coverage you can find at the best cost while still protecting your assets.

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