Finding the best cheap coverage for a Dodge Ram in Pennsylvania is fairly simple, but it is dependent upon a whole bunch of factors such as whether you use your Ram for business use, your credit history, and driving violations. Drivers in Pennsylvania will pay on average $955 a year for Ram insurance, but that figure is an estimate using a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
But there is a high likelihood that you’re not a 50-year-old male, you might be single instead of married, and maybe your Ram is older and does not require full coverage. This illustrates why the only way to find cheap car insurance rates for your Dodge is to do your own rate comparisons.
The specific model of Ram will influence the annual cost of coverage, so the price you pay to insure a Ram Quad Cab ST 2WD will cost $196 less than the cost to insure the high end Ram Quad Cab Laramie 4WD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$162||$242||$358||$22||$106||$890||$74|
|Ram Quad Cab TRX4 Off Road 2WD||$182||$294||$358||$22||$106||$962||$80|
|Ram Quad Cab SLT 2WD||$182||$294||$358||$22||$106||$962||$80|
|Ram Crew Cab ST 2WD||$182||$294||$358||$22||$106||$962||$80|
|Ram Quad Cab ST 4WD||$182||$294||$358||$22||$106||$962||$80|
|Ram Crew Cab SLT 2WD||$182||$294||$358||$22||$106||$962||$80|
|Ram Crew Cab TRX 2WD||$182||$294||$358||$22||$106||$962||$80|
|Ram Quad Cab SLT 4WD||$182||$294||$358||$22||$106||$962||$80|
|Ram Crew Cab ST 4WD||$182||$294||$358||$22||$106||$962||$80|
|Ram Crew Cab Sport 2WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Quad Cab Sport 2WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Quad Cab TRX4 Off Road 4WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Crew Cab TRX 4WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Crew Cab SLT 4WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Quad Cab Laramie 2WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Crew Cab Laramie 2WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Crew Cab Sport 4WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Quad Cab Sport 4WD||$202||$346||$358||$22||$106||$1,034||$86|
|Ram Crew Cab Laramie 4WD||$202||$398||$358||$22||$106||$1,086||$91|
|Ram Quad Cab Laramie 4WD||$202||$398||$358||$22||$106||$1,086||$91|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in specific garaging location which can lower or raise prices considerably.
Which insurance company is best in Philadelphia?
Ending up with the highest-rated auto insurance provider can be a challenge considering how many companies provide coverage in Pennsylvania. The information shown next can help you choose which coverage providers to look at when trying to find cheaper insurance for a Dodge Ram.
The ratings below are only comprised of companies that insure vehicles nationwide, so companies that only write business in Pennsylvania or surrounding areas are not included in this list. To get rate quotes from many more Pennsylvania auto insurance companies, click this link.
Top 10 Major Auto Insurance Companies in Philadelphia Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- State Farm
- Erie Insurance
Top 10 Major Auto Insurance Companies in Philadelphia Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
How to get discounts on Philadelphia insurance
Auto insurance companies that provide policies for a Dodge Ram may also offer premium discounts that could potentially reduce rates by as much as 30% if you qualify. Companies and a summarized list of policyholder discounts can be read below.
- State Farm offers premium reductions for passive restraint, driver’s education, multiple autos, student away at school, Steer Clear safe driver discount, anti-theft, and multiple policy.
- Nationwide has discounts for good student, accident-free, family plan, anti-theft, defensive driving, Farm Bureau membership, and business or organization.
- GEICO may have discounts that include anti-theft, defensive driver, federal employee, five-year accident-free, military active duty, driver training, and multi-vehicle.
- AAA may include discounts for multi-policy, good driver, multi-car, education and occupation, and pay-in-full.
- 21st Century offers discounts including 55 and older, automatic seat belts, homeowners, anti-lock brakes, and driver training.
- The Hartford includes discounts for air bag, driver training, vehicle fuel type, good student, defensive driver, and anti-theft.
The illustration below illustrates the comparison of auto insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, multiple vehicle, anti-theft, multiple policy, vehicle safety, and safe-driver discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for a Dodge Ram is 28% or $582.
Why it’s important to shop around
Philadelphia, PA insurance rates are influenced by many factors that may substantially change the price you have to pay for coverage. Turning one year older, adding a teenager to your policy, or having a fender bender can trigger price changes resulting in some companies being cheaper than before.
In addition to those changes, insurance companies amend premium rates as needed in order to offset underwriting gains or losses. Larger than normal claims can result in high rates, while lower claim expenses can produce lower-cost Ram insurance rates.
The data below shows which companies have the cheapest car insurance in Philadelphia, PA for a 35-year-old male driver with a clean driving record, no accidents, and a decent credit rating. If we look at prices based on his personal risk profile, General Casualty may have the most affordable car insurance rates in Philadelphia at $1,569 each year. This is $88 less than the average rate paid by Pennsylvania drivers of $1,657. Travelers, Penn National, USAA, and Erie are the rest of the top five cheapest Philadelphia, PA auto insurance companies.
Now we will give the driver from the above example a claim or two, bad credit, and a few blemishes on his driving record. Due to the fact that every insurance company has their own unique process to set their prices, comparing prices could result in a different set of the cheapest Philadelphia car insurance companies as shown below.
Amica now has the lowest price in Philadelphia, PA with Atlantic States, Travelers, Donegal Mutual, and USAA also having competitive pricing. This example demonstrates why Pennsylvania drivers need to compare many different companies to get the lowest car insurance quotes for a Dodge Ram. Car insurance prices can be determined by many different factors and change dramatically, so the best price when you last compared rates may now be quite expensive.
If you have coverage questions and would like to have a professional recommendation when shopping for the best coverage for a Ram pickup, the professional agents shown below are willing to help you make a decision which insurance coverage will be best for you.
To find a Philadelphia insurance agent closest to you, click the button following the list or click here to get price quotes now.
- State Farm – Philadelphia – Thanh Pham
254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400
- Juniata Ins Agency
1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701
- Nigro Insurance Agency
35 Letitia St – Philadelphia, PA 19106 – (215) 278-9633
How to find economical auto insurance for a Dodge Ram
The list below summarizes some of the better penny-pinching suggestions that can help Philadelphia drivers quote lower-cost car insurance.
- Try to pay small claims out-of-pocket
- Maintain a safe distance and avoid accidents
- Safe vehicles cost less to insure
- Do not get traffic tickets
- Good credit can help you save money
- Compare rate quotes frequently
The last tip in the list is notably necessary, as we pointed out in the prior article. Car insurance prices fluctuate considerably, so drivers shouldn’t be resistant to buy from a new company if a more affordable price is available. Having brand loyalty is commendable, but we do not recommend it if that dedication is costing a lot of money every month. Spend a few minutes and compare prices to find cheaper auto insurance for a Dodge Ram in Philadelphia.