Who Has Cheap Seattle Car Insurance Rates for a Dodge Ram?

Buying economical insurance for a Dodge Ram in Washington is dependent upon a large number of factors such as your birth date, your geographic location, and violations on your driving record. Drivers in Washington pay on average $837 per year to insure their Ram, but that price is a projection based on a 40-year-old married female driver with full physical damage coverage and $1,000 deductibles.

It’s highly likely you are not 40 and maybe not even a female, you might be single instead of married, and maybe your Ram just needs liability-only coverage. The different assumptions illustrate why the only real way to find affordable rates for your Dodge is to compare as many rates as possible.

Cheapest Dodge Ram Insurance Rates

Vehicle trim level will have an impact the yearly cost, so the rate you will pay to insure a Ram Quad Cab ST 2WD will be $156 less than the cost to insure the high end Ram Quad Cab Laramie 4WD trim level, as shown in the table below.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium costs do not factor in vehicle location which can influence auto insurance rates greatly.

Finding good, low-priced car insurance is not the easiest thing to do, and determining which companies offer the cheapest car insurance rates for a Dodge Ram will involve even more shopping around. Every insurance provider has their own unique process to set their prices, so first we will examine the car insurance companies that tend to have lower prices in Washington.

It’s a good idea to be aware that Washington car insurance rates are impacted by many things that will increase or decrease the price you pay. Simply having another birthday, having a claim, or getting caught speeding may generate price changes that may make certain companies affordable when they were higher priced.

Best Car Insurance Prices for Your Ram Truck

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Capital may have some of the best car insurance rates in Seattle at around $784 a year. Grange, Nationwide, PEMCO, and Travelers also rank well as some of the best Seattle, WA auto insurance companies.

As the rates illustrate above, if you currently have a policy with PEMCO and switched to Grange, you could realize a yearly price reduction of around $181. Policyholders with Travelers might save as much as $195 a year, and Mutual Enumclaw policyholders might reduce rates by $210 a year.

To get a fast rate comparison, click here to get quotes or visit several of the following companies.

Be aware that those rates are averaged across all insureds and vehicles and do not factor in an exact location for a Dodge Ram. So the car insurance company that can offer you the lowest price may not even be in the top 25 companies shown above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Full coverage versus liability only rates

Buying cheaper car insurance is important to most vehicle owners, and one of the easiest ways to find cheaper insurance for a Dodge Ram is to only buy liability insurance. The illustration below shows the difference between insurance prices with and without physical damage coverage. Data assumes a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are factored in.

If the expense is averaged for all age categories, full coverage costs an additional $1,653 per year more than just buying liability only. Many drivers may wonder if buying full coverage is a good investment. There is no written rule for excluding full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If premiums are more than $800 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some scenarios where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Get discount Seattle insurance rates

Insurers that provide coverage for a Dodge Ram could also offer price discounts that could lower prices by 40% or more if you meet eligibility requirements. Popular car insurance companies and a partial list of their discounts are included below.

• GEICO offers discounts for federal employee, multi-vehicle, daytime running lights, anti-lock brakes, and emergency military deployment.
• Mercury Insurance discounts include multi-policy, ease of repair, anti-theft, type of vehicle, and multi-car.
• Farmers Insurance may include discounts for multi-car, mature driver, bundle discounts, youthful driver, and alternative fuel.
• Auto-Owners Insurance may offer discounts for student away at school, anti-theft, anti-lock brakes, safe vehicle, and mature driver.
• Liberty Mutual policyholders can earn discounts including new vehicle discount, teen driver discount, newly retired, safety features, new move discount, and good student.
• SAFECO has discounts for teen safe driver, drive less, anti-lock brakes, bundle discounts, anti-theft, and safe driver.
• Progressive has savings for homeowner, continuous coverage, online quote discount, online signing, and good student.
• USAA includes discounts for multi-policy, family discount, new vehicle, annual mileage, multi-vehicle, and defensive driver.

The example below shows the difference between insurance premiums with and without discounts being applied to the rates. The information is based on a male driver, a clean driving record, no at-fault accidents, Washington state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, anti-theft, multiple vehicle, multiple policy, accident-free, and defensive driving course discounts applied. With discounts applied, the average amount saved each year on car insurance for a Dodge Ram is 28% or $560.

The insurance agencies listed below are willing to help you make a decision which car insurance policy is best, since some drivers wish to get some help when shopping for the best coverage for a Ram pickup. It’s not always simple to find the best coverage on your own, and agents can add satisfaction knowing you have enough coverage if you have a claim.

To find an auto insurance agency by location nearest to you, click the button at the bottom or click here to compare rates now.

• C. Don Filer Agency
  4201 Roosevelt Way NE #200 – Seattle, WA 98105 – (800) 701-5909
• State Farm: Karrie Dubose
  1530 Westlake Ave N Suite 100 – Seattle, WA 98109 – (206) 971-5400
• David Lo – State Farm Insurance Agent
  12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388
• Magnolia Insurance Agency, Inc.
  3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886

View more Seattle, WA insurance agencies

How to find the cheapest insurance for a Dodge Ram

The list below shows some of the better money-saving solutions that can help you find cheaper coverage.

• Ensure your driving record is clean
• Vehicles with good safety ratings have lower liability rates
• Remain accident-free and save
• If possible, pay for small claims out-of-pocket
• Home or renters coverage can save on auto insurance
• Check for cheaper rates once a year

The last idea is remarkably valuable, as was emphasized in this write-up. Rates fluctuate considerably, so drivers shouldn’t hesitate to buy a different policy if a better rate can be found.

Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty results in overpaying a small fortune. It takes less than five minutes to compare prices and find cheaper car insurance for a Dodge Ram in Seattle.