Finding cheaper auto insurance for a Dodge Ram is pretty simple for most people to do, but it hinges on a lot of rating criteria such as your birth date, if you have prior claims, and your driving record. Wisconsin drivers pay around $753 annually for Ram insurance, but that cost is an estimation calculated based on a 30-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
If we were betting, you aren’t exactly 30 years old or even a female, possibly single instead of married, and you don’t want the same coverages and limits as the example. Even a slight difference in the criteria used to calculate rates can result in a massive change in the policy cost.
There is no perfect policy for every driver, so the way we recommend to find cheap insurance rates for your Dodge is to compare rates from as many companies as possible.
Your vehicle’s trim level tends to have a direct effect on the coverage cost, so the cost to insure a Ram Quad Cab ST 2WD model will be $162 less than the cost to insure the higher-end Ram Quad Cab Laramie 4WD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$140||$194||$266||$16||$80||$696||$58|
|Ram Quad Cab TRX4 Off Road 2WD||$158||$236||$266||$16||$80||$756||$63|
|Ram Quad Cab SLT 2WD||$158||$236||$266||$16||$80||$756||$63|
|Ram Crew Cab ST 2WD||$158||$236||$266||$16||$80||$756||$63|
|Ram Quad Cab ST 4WD||$158||$236||$266||$16||$80||$756||$63|
|Ram Crew Cab SLT 2WD||$158||$236||$266||$16||$80||$756||$63|
|Ram Crew Cab TRX 2WD||$158||$236||$266||$16||$80||$756||$63|
|Ram Quad Cab SLT 4WD||$158||$236||$266||$16||$80||$756||$63|
|Ram Crew Cab ST 4WD||$158||$236||$266||$16||$80||$756||$63|
|Ram Crew Cab Sport 2WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Quad Cab Sport 2WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Quad Cab TRX4 Off Road 4WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Crew Cab TRX 4WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Crew Cab SLT 4WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Quad Cab Laramie 2WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Crew Cab Laramie 2WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Crew Cab Sport 4WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Quad Cab Sport 4WD||$176||$278||$266||$16||$80||$816||$68|
|Ram Crew Cab Laramie 4WD||$176||$320||$266||$16||$80||$858||$72|
|Ram Quad Cab Laramie 4WD||$176||$320||$266||$16||$80||$858||$72|
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location information which can raise or lower rates noticeably.
Locating low-cost insurance is difficult, and finding out which company offers the lowest-priced car insurance rates for a Dodge Ram involves a bit more work.
Each auto insurance company uses a slightly different approach to set their prices, so let’s take a look at the overall cheapest car insurance companies in Milwaukee, WI. It’s important to know that Milwaukee car insurance rates are based on many factors that will increase or decrease the price of coverage. Getting older, buying a newer car, or getting a ticket for careless driving can produce rate changes resulting in some companies being cheaper than others.
Compare Cheap Insurance Quotes for Your Ram Truck
|Rank||Company||Cost Per Year|
|6||Rural Mutual Insurance||$756|
|13||West Bend Mutual||$917|
|15||Auto Club Group||$968|
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USAA has some of the most affordable car insurance rates in Milwaukee at around $586 a year. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual would also make the list of some of the more affordable Milwaukee, WI auto insurance companies.
As illustrated above, if you buy coverage from Partners Mutual and switched to USAA, you could see an annual savings of in the vicinity of $22. Drivers with Erie may save as much as $110 a year, and Pekin Insurance insureds might realize rate reductions of up to $166 a year.
Remember that these premium estimates are averages across all drivers and vehicles and do not take into consideration a specific location for a Dodge Ram. So the car insurance company that can offer you the best price may not even be in the top 30 companies shown above. That point stresses why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Drive safe and save
The best way to receive affordable car insurance prices in Milwaukee for a Ram pickup is to be a careful driver and avoid accidents and traffic citations. The diagram below highlights how speeding tickets and at-fault claims can affect car insurance rates for each different age group. The premium estimates are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.
In the example above, the average cost of a car insurance policy in Milwaukee per year with no violations or accidents is $1,251. Factor in one speeding ticket and the average cost surges to $1,410, an increase of $159 each year. Now add in one accident along with the one speeding ticket and the annual cost of car insurance for a Dodge Ram goes up to an average of $1,852. That’s an increase of $601, or $50 per month, just for not driving responsibly!
Cost difference between full coverage and liability
Finding cheaper car insurance is the goal of most people, and a great way to find cheap insurance for a Dodge Ram is to buy liability only. The information below illustrates the difference between auto insurance rates with and without full coverage. The information is based on no accidents or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.
If we average the cost for all age groups, physical damage insurance costs $1,835 per year more than carrying just liability coverage. That raises the question if buying full coverage is worth the expense. There isn’t a steadfast formula of when to stop paying for comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
There are some conditions where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
How to find budget-friendly insurance for a Dodge Ram
It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help you buy low-cost auto insurance.
- Don’t have frequent claims
- Raise your physical damage coverage deductibles
- Improve your credit
- Buy vehicles with five-star safety ratings
- On older vehicles, drop full coverage
- Save money by insuring your home and auto with the same company
- Compare price quotes at least once a year
The last tip in the list is certainly crucial, as was affirmed in this article. Rates in Milwaukee change frequently, so don’t hesitate to buy a policy from a new company if a better deal can be had. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that inflexibility results in costing you big bucks every year. It takes less than five minutes to shop around and find cheaper car insurance for a Dodge Ram.