How to Compare Phoenix Dodge Ram 2500 Insurance

Are you tired of trying to find lower-priced Dodge Ram 2500 insurance in Phoenix? No car owner looks forward to paying premiums for insurance, especially knowing they could find better prices if they shop around.

Discount Dodge Ram 2500 insuranceIt’s amazing but 70% of consumers kept their coverage with the same insurance company for four years or more, and nearly 40% of drivers have never compared rates with other companies. Arizona drivers could cut their rates by up to 50% a year by just shopping around, but they don’t believe the large savings they would see if they switch to a new company. There are many auto insurance companies to buy insurance from, and although it’s nice to have multiple companies, it makes it harder to get the best deal for Dodge Ram 2500 insurance in Phoenix.

You should take the time to take a look at other company’s rates occasionally because insurance prices are constantly changing. Just because you found the lowest rates on Dodge Ram 2500 insurance in Phoenix last year the chances are good that you can find a lower rate quote today. There are a lot of ways to save on Ram 2500 insurance online, but I’m going to show you a bunch of ideas how to find cheap insurance in Phoenix.

Verify you’re receiving every discount

Car insurance can cost a lot, but there may be some discounts that many consumers don’t even know exist. Certain discounts will be applied when you quote, but some discounts are required to be asked about before being credited.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and the discounts they provide are detailed below.

Double check with every insurance company how many discounts you can get. All car insurance discounts might not be offered on policies in Phoenix. To locate insurers that have a full spectrum of discounts in Phoenix, click here.

Finding cheap Phoenix auto insurance quotes can be quick and easy. You just have to spend a few minutes to compare rate quotes to find out which insurance company has inexpensive Phoenix auto insurance quotes.

Doing price comparisons online is so simple that it takes the place of having to drive around to insurance agents’ offices. The fact that you can get quotes online reduces the need to sit down with an agent unless your situation requires the professional advice that only a licensed agent can provide. Although you can find lower rates online but buy the policy through an agent.

The companies in the list below have been selected to offer price quotes in Arizona. If several companies are displayed, it’s a good idea that you compare several of them to get a more complete price comparison.

Dodge Ram 2500 Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 2500 Crew Cab ST 2WD $204 $390 $326 $20 $98 $1,038 $87
Ram 2500 Crew Cab SLT 2WD $292 $632 $338 $20 $102 $1,384 $115
Ram 2500 Mega Cab SLT 2WD $138 $326 $382 $22 $114 $982 $82
Ram 2500 Crew Cab Laramie 2WD $282 $620 $346 $20 $104 $1,372 $114
Ram 2500 Crew Cab ST 2WD $224 $546 $382 $22 $114 $1,288 $107
Ram 2500 Mega Cab Laramie 2WD $238 $488 $348 $20 $104 $1,198 $100
Ram 2500 Crew Cab ST 4WD $262 $456 $458 $28 $136 $1,340 $112
Ram 2500 Crew Cab SLT 2WD $278 $620 $356 $22 $106 $1,382 $115
Ram 2500 Mega Cab SLT 2WD $164 $306 $348 $20 $104 $942 $79
Ram 2500 Mega Cab SLT 4WD $236 $370 $338 $20 $102 $1,066 $89
Ram 2500 Crew Cab SLT 4WD $312 $620 $440 $26 $132 $1,530 $128
Ram 2500 Crew Cab Laramie 2WD $278 $736 $382 $22 $114 $1,532 $128
Ram 2500 Mega Cab Laramie 2WD $154 $370 $382 $22 $114 $1,042 $87
Ram 2500 Crew Cab ST 4WD $154 $298 $382 $22 $114 $970 $81
Ram 2500 Mega Cab Laramie 4WD $332 $460 $444 $26 $132 $1,394 $116
Ram 2500 Crew Cab Laramie 4WD $176 $332 $410 $24 $122 $1,064 $89
Ram 2500 Mega Cab SLT 4WD $250 $450 $326 $20 $98 $1,144 $95
Ram 2500 Crew Cab SLT 4WD $220 $410 $458 $28 $136 $1,252 $104
Ram 2500 Crew Cab Laramie 4WD $254 $418 $346 $20 $104 $1,142 $95
Ram 2500 Mega Cab Laramie 4WD $408 $632 $444 $26 $132 $1,642 $137
Get Your Own Custom Quote Go

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in Phoenix location which can modify price quotes greatly.

Physical damage deductibles

The information below illustrates how choosing a deductible and can increase or decrease Dodge Ram 2500 insurance costs for each different age group. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Different people need different auto insurance coverages

When it comes to buying the best auto insurance coverage for your personal vehicles, there really isn’t a cookie cutter policy. Everyone’s needs are different.

For instance, these questions might point out whether or not you would benefit from professional advice.

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Get rate quotes but work with a neighborhood Phoenix auto insurance agent

Many drivers prefer to go talk to an agent and doing that can be a smart decision Most agents can help you choose the best coverages and help file insurance claims. One of the benefits of comparing rates online is the fact that you can find lower rates and still choose a local agent. Buying from local insurance agents is important particularly in Phoenix.

Insurance agents in PhoenixTo find an agent, once you fill out this quick form, your information is emailed to local insurance agents who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to leave your computer since price quotes are sent immediately to your email address. If you have a need to get a price quote from one company in particular, you would need to visit that company’s website and fill out the quote form the provide.

Two types of Phoenix auto insurance agents

If you are searching for a good insurance agency, it helps to know the two different agency structures to choose from. Phoenix agents can be described as either independent agents or exclusive agents. Either can insure your vehicles, but it’s important to point out the subtle differences because it can influence which agent you choose.

Independent Insurance Agents

These agents are appointed with more than one company and that allows them to write policies with a variety of different insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When comparing insurance rates, you should always check rates from several independent insurance agents to have the most options to choose from.

Featured below are independent insurance agencies in Phoenix that may be able to give you free rate quotes.

Independent Insurance Agents
333 E Flower StPhoenix, AZ 85012(602) 956-1851View Map

16815 S Desert Foothills Pkwy #140Phoenix, AZ 85048(480) 423-3444View Map

3510 E Bell Rd # 2Phoenix, AZ 85032(602) 493-2300View Map

View more agents

Exclusive Insurance Agents

Exclusive insurance agents have only one company to place business with and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot compare rates from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.

Shown below is a list of exclusive agencies in Phoenix willing to provide price quotes.

4030 E Bell Rd #112Phoenix, AZ 85032(602) 266-2050View Map

2610 W Baseline Rd Ste 116Phoenix, AZ 85041(602) 633-2088View Map

7207 N 7th StPhoenix, AZ 85020(602) 906-0299View Map

View more agents

Finding the right insurance agent requires you to look at more than just a cheap quote. Here are some questions you might want to ask.

Three reasons to insure your Ram 2500

Even though it’s not necessarily cheap to insure a Dodge in Phoenix, paying for insurance is required in Arizona but also provides important benefits.

The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying more than $869 every year so compare quotes from several companies once a year at a minimum to save money.

Specific coverage details

Understanding the coverages of auto insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, colliding with a tree, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your Ram 2500 to get cheaper collision coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses such as pain medications, hospital visits, prosthetic devices and nursing services. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Dodge Ram 2500.

Because many people only carry the minimum required liability limits (which is 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability – This can cover damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/10 that translate to $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like bail bonds, repair costs for stationary objects and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but drivers should carry more coverage.

Comprehensive auto insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from flooding, a broken windshield, hitting a bird and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

In Summary

Insureds switch companies for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, poor customer service and delays in responding to claim requests. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

Cheaper Dodge Ram 2500 insurance in Phoenix can be purchased online and with local Phoenix insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and these smaller providers provide coverage only through independent insurance agents.

We just showed you a lot of techniques to compare Dodge Ram 2500 insurance premium rates in Phoenix. The most important thing to understand is the more times you quote, the better your chances of lowering your prices. Consumers could even find that the lowest priced insurance comes from a small mutual company.

Much more information about insurance in Arizona can be found at these links: