To save the most money, the best way to find low-cost prices for Dodge Ram 2500 insurance is to make a habit of regularly comparing prices from insurance carriers in Toledo. Rates can be compared by following these steps.
First, it will benefit you to learn about how your policy works and the factors you can control to drop your rates. Many things that result in higher rates such as traffic tickets, fender benders, and bad credit can be eliminated by being financially responsible and driving safely.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while independent agents can give you price quotes from many different companies.
Third, compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
Fourth, give notification to your agent or company to cancel your current car insurance policy. Submit the required down payment along with the signed application for the new policy. Once the paperwork is finalized, keep the new proof of insurance paperwork in your vehicle.
The most important part of this process is to compare the same coverage limits and deductibles on each quote request and to quote with as many companies as feasibly possible. Doing this guarantees an accurate price comparison and the best price quote selection.
It’s a fact that insurance companies don’t want you to look at other companies. Consumers who perform rate comparisons are very likely to buy a new policy because they stand a good chance of finding a policy with better rates. A study discovered that drivers who compared rate quotes regularly saved approximately $865 a year as compared to drivers who never shopped for cheaper rates.
If finding the cheapest rates on insurance is your ultimate target, then having some knowledge of the best way to quote and compare insurance rates can help make the process easier and more efficient.
If you have coverage now or are just looking to switch companies, you can use these techniques to get lower rates while maximizing coverage. Finding quotes for affordable car insurance policy in Toledo is not as hard as you may think. Comparison shoppers only have to learn the fastest way to compare price quotes online from multiple companies.
Affordable Toledo auto insurance rates with discounts
Some insurers don’t always publicize every discount available in a way that’s easy to find, so the list below details a few of the more common and also the lesser-known ways to save on auto insurance.
- More Vehicles More Savings – Buying a policy with multiple vehicles with the same company can reduce rates for all insured vehicles.
- Telematics Discount – People who choose to allow companies to monitor driving patterns by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks if they have good driving habits.
- One Accident Forgiven – This one isn’t a discount, but companies like GEICO and Allstate may permit one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
- Drive Safe and Save – Accident-free drivers may receive a discount up to 45% than drivers with accident claims.
- Distant Student – Children who are attending college and do not take a car to college can be insured at a reduced rate.
- Service Members Pay Less – Being deployed in the military could qualify you for better rates.
- ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
- Multi-policy Discount – If you can bundle your auto and homeowners insurance and insure them with the same company you could save as much as 10 to 15 percent.
- Full Payment Discount – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
A quick disclaimer, many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. But any discount will bring down your policy cost.
The chart below illustrates the comparison of Dodge Ram 2500 annual premium costs with and without discounts being applied to the rates. The premiums are based on a female driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, multi-policy, and marriage discounts applied.
Car insurance companies that may offer quotes with these money-saving discounts include:
Before purchasing a policy, check with all companies you are considering what discounts are available to you. Discounts might not be offered on policies in Toledo. If you would like to choose from a list of insurance companies that offer many of these discounts in Toledo, follow this link.
Finding cheaper Dodge Ram 2500 car insurance prices is pretty simple and can save money. Drivers just need to spend a little time to compare rate quotes to discover which company has affordable Toledo auto insurance quotes.
The providers in the list below provide comparison quotes in Toledo, OH. If you want the best auto insurance in Toledo, we recommend you compare several of them to get a more complete price comparison.
Insurance rate breakdown
The premium information below covers estimates of insurance coverage prices for Dodge Ram 2500 models. Having a good grasp of how insurance policy rates are figured helps drivers make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 2500 Crew Cab ST 2WD | $220 | $416 | $256 | $16 | $76 | $984 | $82 |
| Ram 2500 Crew Cab SLT 2WD | $220 | $478 | $256 | $16 | $76 | $1,046 | $87 |
| Ram 2500 Mega Cab SLT 2WD | $220 | $478 | $256 | $16 | $76 | $1,046 | $87 |
| Ram 2500 Crew Cab Laramie 2WD | $220 | $478 | $256 | $16 | $76 | $1,046 | $87 |
| Ram 2500 Crew Cab ST 2WD | $220 | $478 | $256 | $16 | $76 | $1,046 | $87 |
| Ram 2500 Mega Cab Laramie 2WD | $220 | $478 | $256 | $16 | $76 | $1,046 | $87 |
| Ram 2500 Crew Cab ST 4WD | $246 | $416 | $256 | $16 | $76 | $1,010 | $84 |
| Ram 2500 Crew Cab SLT 2WD | $246 | $478 | $256 | $16 | $76 | $1,072 | $89 |
| Ram 2500 Mega Cab SLT 2WD | $246 | $478 | $256 | $16 | $76 | $1,072 | $89 |
| Ram 2500 Mega Cab SLT 4WD | $246 | $416 | $256 | $16 | $76 | $1,010 | $84 |
| Ram 2500 Crew Cab SLT 4WD | $246 | $416 | $256 | $16 | $76 | $1,010 | $84 |
| Ram 2500 Crew Cab Laramie 2WD | $246 | $542 | $256 | $16 | $76 | $1,136 | $95 |
| Ram 2500 Mega Cab Laramie 2WD | $246 | $542 | $256 | $16 | $76 | $1,136 | $95 |
| Ram 2500 Crew Cab ST 4WD | $246 | $416 | $256 | $16 | $76 | $1,010 | $84 |
| Ram 2500 Mega Cab Laramie 4WD | $246 | $416 | $256 | $16 | $76 | $1,010 | $84 |
| Ram 2500 Crew Cab Laramie 4WD | $246 | $416 | $256 | $16 | $76 | $1,010 | $84 |
| Ram 2500 Mega Cab SLT 4WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Ram 2500 Crew Cab SLT 4WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Ram 2500 Crew Cab Laramie 4WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Ram 2500 Mega Cab Laramie 4WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price estimates do not factor in zip code location which can revise premiums considerably.
The example below highlights how deductible selection and can increase or decrease Dodge Ram 2500 insurance rates for different age groups of insureds. The rates are based on a single male driver, full coverage, and no discounts are applied.
Impact of violations and accidents on rates in Toledo
The diagram below shows how violations and accident claims can affect Dodge Ram 2500 insurance rates for different insured age categories. The premiums are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Dodge Ram 2500 insurance premiums by gender in Toledo
The diagram below shows the difference between Dodge Ram 2500 premium costs for male and female drivers. The rate quotes are based on no violations or claims, full coverage, $1,000 deductibles, single status, and no other discounts are factored in.
Different people need different insurance coverages
Always remember that when buying proper insurance coverage, there isn’t really a best way to insure your cars. Your financial needs are unique.
These are some specific questions might help in determining whether your personal situation could use an agent’s help.
- Am I covered when driving on a suspended license?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is my nanny covered when transporting my kids?
- Is a new car covered when I drive it off the dealer lot?
- What exactly is covered by my policy?
- How can I get my company to pay me more for my totaled car?
If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.
Compare prices but work with a local Toledo insurance agency
Certain consumers just prefer to buy from a local agent and that is a smart decision Agents can help you build your policy and help file insurance claims. The biggest benefit of getting online price quotes is you may find cheap rate quotes but also keep your business local.
After filling out this short form, your information is transmitted to companies in Toledo that can provide free Toledo auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to find an agent because prices are sent immediately to you. If you want to quote rates from a specific company, you just need to visit that company’s website to submit a rate quote request.
Picking the best company is decision based upon more than just a cheap price. A good agent in Toledo will have answers to these questions.
- Is the agent properly licensed in Ohio?
- How often do they review coverages?
- Is there a 24/7 contact number?
- Will they give you a referral list?
- What company do they have the most business with?
- Do they prorate repair cost based on vehicle mileage?
- How much training do they have in personal risk management?
What types of car insurance agents are in Toledo?
If you want an insurance agent, it’s helpful to know the different agency structures and how they are distinctly different. Insurance agencies in Toledo can be described as either exclusive or independent (non-exclusive). Both types of agents can provide car insurance policies, but it is a good idea to know how they are different since it could factor into which type of agent you select.
Exclusive Agents
Exclusive insurance agents have only one company to place business with like State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on their company’s products and that enables them to sell even at higher rates. Drivers often purchase coverage from exclusives primarily because of the brand legacy and the convenience of having all coverages with one company.
Listed below is a short list of exclusive insurance agents in Toledo willing to provide comparison quotes.
- Allstate Insurance: Jennifer Soda Zielinski
2509 W Sylvania Ave Ste 12 – Toledo, OH 43613 – (419) 472-9690 – View Map - State Farm: Romie Brown
1843 W Alexis Rd #1 – Toledo, OH 43613 – (419) 480-1212 – View Map - Nathan Ensey – State Farm Insurance Agent
4024 N Holland Sylvania Rd Ste 6 – Toledo, OH 43623 – (419) 517-8811 – View Map
Independent Car Insurance Agencies
These type of agents are appointed with more than one company and that gives them the ability to insure with many different companies depending on which coverage is best. If prices rise, your agent can just switch to a different company which requires no work on your part.
If you need lower rates, we recommend you get several quotes from a few independent agents to have the best price comparison. They also have the ability to place coverage with smaller companies which may have better rates.
Shown below are Toledo independent insurance agencies that can give you comparison quotes.
- Knight Insurance Group
22 N Erie St – Toledo, OH 43624 – (419) 241-5133 – View Map - House of Insurance
5801 Telegraph Rd – Toledo, OH 43612 – (419) 476-8436 – View Map - Westgate Insurance
3450 Central Ave #344 – Toledo, OH 43606 – (419) 536-2213 – View Map
Car insurance coverage options for a Dodge Ram 2500
Understanding the coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Ram 2500.
Due to the fact that many Ohio drivers only purchase the least amount of liability that is required (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as hail damage, hitting a deer, theft and rock chips in glass. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability car insurance – Liability insurance can cover damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability insurance covers things such as emergency aid, attorney fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Ohio state minimum liability requirements are 25/50/25 but it’s recommended drivers buy more liability than the minimum.
The chart below shows why the minimum limit may not be adequate coverage.
Collision – This covers damage to your Ram 2500 from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as rolling your car, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible on your Ram 2500 to bring the cost down.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like prosthetic devices, dental work, hospital visits and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
In the end, you can save money
When getting Toledo auto insurance quotes online, you should never reduce coverage to reduce premium. In many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time that they should have had better coverage. The goal is to purchase plenty of coverage at an affordable rate.
Low-cost Dodge Ram 2500 insurance in Toledo is definitely available online and from local agencies, so you need to shop Toledo auto insurance with both to have the best chance of lowering rates. There are still a few companies who don’t offer price quotes online and most of the time these small, regional companies sell through independent insurance agents.
We just covered many ideas to reduce Dodge Ram 2500 insurance car insurance rates online in Toledo. The key concept to understand is the more quotes you get, the better chance you’ll have of finding inexpensive Toledo auto insurance quotes. You may even find the best car insurance rates are with the least-expected company.
Additional information can be found on the following sites:
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has Affordable Toledo Car Insurance for Seniors? (FAQ)
- Who Has Affordable Toledo Auto Insurance for High School Students? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)