How to Save on Dodge Ram Insurance in Toledo

Insurance for Dodge RamWould you like to stop wasting money and find more competitive car insurance rates in Toledo, OH? Toledo drivers have lots of choices when trying to find the lowest priced Dodge Ram insurance. They can either waste time struggling with agents to get rate comparisons or save time using the internet to get rate quotes.

There is a right way and a wrong way to find car insurance online and you need to know the best way to get price quotes for a Dodge and locate the best price possible.

Finding a lower price on Dodge Ram insurance is pretty simple and can save money. Consumers just need to take the time comparing rate quotes from different insurance companies.

The providers in the list below are our best choices to provide comparison quotes in Toledo, OH. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.

Lower your car insurance rates with discounts

Companies offering auto insurance don’t always publicize their entire list of discounts very well, so the below list has some of the more common as well as the least known credits that you can use to lower your rates.Save money with discounts

Consumers should know that most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, car insurance companies aren’t that generous.

The illustration below visualizes the comparison of Dodge Ram premium costs with and without discounts. The premiums assume a female driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, claim-free, and homeowner discounts applied.

A list of companies and a summarized list of policyholder discounts are detailed below.

If you are trying to find the cheapest Dodge Ram rate quotes, ask each insurance company to apply every possible discount. Some discounts may not apply to policyholders in your state.

Coverage statistics and figures

The premium information displayed next showcases a range of prices for Dodge Ram models. Understanding more about how auto insurance prices are determined can help guide drivers when making decisions on the best policy to buy.

Dodge Ram Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $106 $150 $262 $16 $78 $612 $51
Ram Quad Cab TRX4 Off Road 2WD $118 $182 $262 $16 $78 $656 $55
Ram Quad Cab SLT 2WD $118 $182 $262 $16 $78 $656 $55
Ram Crew Cab ST 2WD $118 $182 $262 $16 $78 $656 $55
Ram Quad Cab ST 4WD $118 $182 $262 $16 $78 $656 $55
Ram Crew Cab SLT 2WD $118 $182 $262 $16 $78 $656 $55
Ram Crew Cab TRX 2WD $118 $182 $262 $16 $78 $656 $55
Ram Quad Cab SLT 4WD $118 $182 $262 $16 $78 $656 $55
Ram Crew Cab ST 4WD $118 $182 $262 $16 $78 $656 $55
Ram Crew Cab Sport 2WD $132 $214 $262 $16 $78 $702 $59
Ram Quad Cab Sport 2WD $132 $214 $262 $16 $78 $702 $59
Ram Quad Cab TRX4 Off Road 4WD $132 $214 $262 $16 $78 $702 $59
Ram Crew Cab TRX 4WD $132 $214 $262 $16 $78 $702 $59
Ram Crew Cab SLT 4WD $132 $214 $262 $16 $78 $702 $59
Ram Quad Cab Laramie 2WD $132 $214 $262 $16 $78 $702 $59
Ram Crew Cab Laramie 2WD $132 $214 $262 $16 $78 $702 $59
Ram Crew Cab Sport 4WD $132 $214 $262 $16 $78 $702 $59
Ram Quad Cab Sport 4WD $132 $214 $262 $16 $78 $702 $59
Ram Crew Cab Laramie 4WD $132 $248 $262 $16 $78 $736 $61
Ram Quad Cab Laramie 4WD $132 $248 $262 $16 $78 $736 $61
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in zip code location which can lower or raise premiums significantly.

Full coverage rates compared to liability-only

The illustration below illustrates the difference between Dodge Ram yearly insurance costs with and without full coverage. The rate quotes are based on no claims, a clean driving record, $500 deductibles, single marital status, and no policy discounts are applied.

When to drop comp and collision

There isn’t a steadfast formula to exclude full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Dodge Ram book value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after paying your policy deductible. If premium cost is more than $800 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Ohio car insurance company ratings

Insuring your vehicle with the best insurance provider is difficult considering how many companies provide coverage in Ohio. The rank data below can help you analyze which coverage providers to look at buying from.

Top 10 Toledo Car Insurance Companies Overall

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Toledo Car Insurance Companies Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

How Insurance Companies Calculate Dodge Ram Insurance Prices

Multiple criteria are considered when pricing auto insurance. Some factors are common sense such as your driving record, but some are more transparent like where you live or your vehicle rating.