Who Has the Cheapest Auto Insurance for a Dodge Ram in Durham?

Finding competitive auto insurance for a Dodge Ram is pretty simple for most people to do, but it hinges on lots of different factors such as the safety rating of your vehicle, if you have prior claims, and any prior driving offenses. Drivers in North Carolina pay approximately $739 a year to insure their Ram, but that cost is an approximation using a 50-year-old single female driver with full coverage and $1,000 deductibles.

There is a good probability you are not 50 and maybe not even a female, married instead of single, or maybe you prefer higher deductibles. Even a minor change in rating factors or requested coverage amount can result in a massive change in 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 a thorough rate comparison.

Start Your Free Quote

The trim level of your vehicle will have an impact the yearly cost, so the rate you will pay to insure a Ram Quad Cab ST 2WD model will be $134 less than the cost to insure the more well-appointed Ram Quad Cab Laramie 4WD model, as shown in the prices below.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in specific location information which can revise rates considerably.

Insuring your vehicle with the highest-rated auto insurance provider is hard considering how many choices drivers have in Durham. The information in the next section may help you pick which car insurance companies you want to consider comparing rates from.

These rankings are for the largest auto insurers in America, so smaller companies are not taken into consideration for these rankings. To compare price quotes from these and other competitive companies, simply click here.

Top 10 Large Car Insurance Companies in Durham Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top 10 Large Car Insurance Companies Overall in Durham

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Does full coverage make sense?

Finding the cheapest auto insurance is the goal of most drivers, and one way to pay less for insurance for a Dodge Ram is to not pay for full coverage. The information below illustrates the comparison of annual premium costs with and without physical damage coverage. The rate quotes are based on no claims or driving violations, $500 deductibles, single status, and no discounts are taken into consideration.

If averaged out across all ages, physical damage coverage on your policy costs $1,512 per year over having just liability coverage. That proposes the question if buying full coverage is worth the expense. There is no definitive guideline to delete physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some cases where only buying liability is not a good plan. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Last year’s bargain might be this year’s rip off

Durham auto insurance rates are impacted by many things that will increase or decrease the policy premium. Getting older, buying a home, or getting caught speeding can trigger changes in premium that can cause some rates to be more affordable than before. Not only may things change on your end, but insurance companies amend premium rates multiple times each year to reflect underwriting profits or losses. A period of increased losses may result in higher rates, while better underwriting can cause lower-priced Ram insurance rates.

To help illustrate this point, the graph below shows the companies that have the cheapest car insurance in Durham, NC for a 40-year-old female driver with no accidents or violations, and a good credit history. Based on her personal risk profile, Progressive might quote the lowest car insurance rates in Durham at $778 annually. This is $94 less than the average rate paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Penn National, and Liberty Mutual round out the rest of the cheapest Durham, NC auto insurance companies.

The example below compares rates after we give the driver in the first chart some claims, a little lower credit rating, and an imperfect driving record. Since each auto insurer has a different process for filing rates in each state, comparing insurance quotes could result in a new list of the cheapest companies as shown below.

Titan now has the cheapest rate in Durham, NC with State Farm, Auto-Owners, National General, and Allied also having competitive pricing. This example demonstrates why it is critical to compare lots of rates when trying to get the lowest auto insurance quotes for a Dodge Ram.

Prices consist of many different factors and can change substantially, so the best option the last time you checked may now be quite expensive.

The auto insurance agents in Durham shown below are a good start to provide answers to your questions and help you determine which is the best policy, as some people have coverage questions and would like to have professional advice when shopping for cheaper insurance for a Dodge Ram. It’s not always easy to find the best policy on your own, and getting advice from a licensed agent can give you comfort knowing your coverage gives you sufficient coverage for your assets. To find a Durham insurance agent near you, click the link after the list.

• Allstate Insurance Agent: Michael D. Maffeo
  2705 N Duke St Ste 203 – Durham, NC 27704 – (919) 479-5085
• John Moore – State Farm Insurance Agent
  1107 W Main St #201 – Durham, NC 27701 – (919) 598-7900
• Farm Bureau Insurance
  4021 Stirrup Creek Dr #220a – Durham, NC 27703 – (919) 469-3191

More Durham, NC insurance agents

Tips for finding more affordable auto insurance for a Dodge Ram

The list below summarizes some of the recommended penny-pinching suggestions that can help North Carolina drivers locate low-cost auto insurance.

• Good credit can save money
• Do not get into accidents that are your fault
• Maintain a clean driving record
• Raise deductibles to save money
• Vehicles with good safety ratings have lower liability rates
• Keep rates low by shopping around frequently

That last tip is highly valuable, as was noted in this piece. Prices charged by auto insurers can be adjusted at any time, so drivers shouldn’t be resistant to buy a policy from a new company if you can find a cheaper rate.

We understand brand loyalty, but it isn’t a good idea if that loyalty ends up costing hundreds every year. Take a couple minutes and compare prices to find cheaper insurance for a Dodge Ram in Durham.