Who Has Affordable San Jose Auto Insurance for a Dodge Ram?

Finding affordable coverage for a Dodge Ram is pretty straightforward, but it relies on a very complex rating algorithm that uses multiple factors such as how far you drive to work, if you have recent claims, and whether or not you are a good driver. Drivers in California will pay around $1,608 per year to insure their Ram, but that is a projection calculated based on a 30-year-old single female driver with full coverage and $1,000 deductibles.

Odds are that you aren’t exactly 30 years old or even a female, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Car insurance coverage is unique to each driver, so this is why the only way to find affordable rates for your Dodge is to do your own rate comparisons. In just a few minutes you will receive prices from top-rated car insurance companies around.

Compare Dodge Ram Insurance Rates

The specific model of Ram has an effect on the annual cost of coverage, so the rate you will pay to insure a Ram Quad Cab ST 2WD will be $298 cheaper than the insurance cost for the more well-appointed Ram Quad Cab Laramie 4WD model, as demonstrated by the prices below.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in vehicle garaging location which can increase or decrease premium rates greatly.

Buying coverage from a high-quality company can be rather challenging considering how many different insurance companies sell coverage in San Jose. The rank data shown next may help you choose which insurers to look at when trying find the best insurance for a Dodge Ram.

These rankings are only made up of companies who write in the majority of U.S. states, so companies that may only write in California are not included in these rankings. If you wish to compare rates from these and other companies in California, follow this link.

Top 10 Major Auto Insurers in San Jose Ranked by Claims Service

1. AAA of Southern California
2. State Farm
3. Esurance
4. AAA Insurance
5. Progressive
6. Liberty Mutual
7. GEICO
8. Allstate
9. Titan Insurance
10. The Hartford

Top 10 Major Auto Insurers in San Jose Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Full coverage versus liability-only

Paying a lower price for car insurance is important to the majority of drivers, and a good way to save on the cost of insurance for a Dodge Ram is to only buy liability insurance. The example below shows the difference between car insurance costs when comparing full coverage to liability only. The premiums are based on no claims or driving violations, $250 deductibles, drivers are single, and no discounts are applied.

If averaged for all ages, physical damage coverage on your policy costs $3,201 per year over having just liability coverage. That brings up the question if buying full coverage is worth the expense. There is no specific rule of when to phase out physical damage coverage, but there is a general convention. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

Discount San Jose auto insurance rates

Insurance companies that sell policies for a Dodge Ram may also give you rate discounts that can reduce rates by as much as 25% or more if you are eligible for them. Large car insurance companies and their possible discounts are detailed below.

• GEICO may offer discounts for five-year accident-free, membership and employees, anti-theft, seat belt use, military active duty, defensive driver, and daytime running lights.
• Auto-Owners Insurance has discounts for multi-policy, mature driver, anti-lock brakes, student away at school, and anti-theft.
• American Family may include discounts for air bags, good student, accident-free, defensive driver, bundled insurance, mySafetyValet, and good driver.
• Esurance offers premium reductions for paid-in-full, Pac-12 alumni, multi-car, good student, good driver, anti-lock brakes, and safety device.
• Progressive policyholders can earn discounts including multi-policy, continuous coverage, online signing, online quote discount, homeowner, and good student.
• State Farm includes discounts for anti-theft, defensive driving training, Drive Safe & Save, student away at school, good student, good driver, and multiple autos.
• AAA discounts include good student, anti-theft, multi-car, education and occupation, AAA membership discount, and pay-in-full.

The chart below shows the difference between insurance costs with and without discounts. The prices are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, accident-free, passive restraint, anti-theft, marriage, and safe-driver discounts applied. With discounts applied, theamount saved on car insurance for a Dodge Ram is 28% or $707.

The benefit of shopping around

San Jose car insurance rates are based on many factors that will increase or decrease the price of coverage. Simply getting older, having a teenage driver, or getting a few speeding tickets can cause premium changes resulting in some rates now being cheaper than competitors. Not only that, but companies change prices every year to reflect underwriting profits or losses. A period of higher than normal claims may cause rate hikes, while better underwriting may result in lower-cost Ram insurance rates.

As an example, the chart below shows a variety of companies that have the cheapest car insurance in San Jose, CA for a 45-year-old male driver with a clear driving record, no claims, and a decent credit rating. If we estimate prices based on his current risk factors, USAA quotes the best car insurance rates in San Jose at $1,253 each year. This is $398 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining top five cheapest San Jose, CA auto insurance companies.

Now let’s give the driver from the first set of rates an accident claim, a lower credit rating, and a few blemishes on his driving record. Because every insurance company has a different process for determining prices, comparing prices will most likely result in a different list of affordable companies as shown below.

Grange now has the lowest price in San Jose, CA with Progressive, Mercury, Allied, and Allstate now rounding out the top five. This illustrates why consumers need to compare rates when trying to get the most economical insurance rates for a Dodge Ram.

Prices can be determined by many risk factors and change frequently, so the cheapest option when you bought your policy may now be priced much higher than other options.

How to find cheaper auto insurance for a Dodge Ram

Here are some of the better money-saving solutions that can help California drivers locate cheap coverage.

• Save money by staying claim-free
• Maintain a safe distance and avoid accidents
• Be a safe driver
• Insure your home and auto with the same company
• Buy safe vehicles
• Full coverage is expensive so only insure older vehicles for liability only
• Compare prices as often as possible

That last idea is extremely crucial, as we hit on in the article above. Car insurance prices vary greatly, so drivers shouldn’t be resistant to change insurance companies if you can save money.

Sticking with a specific company is fine, but it’s not recommended if that devotion results in you overpaying hundreds of dollars year after year. In less than five minutes you could compare prices to find cheaper insurance for a Dodge Ram in San Jose.