Save Money on Dodge Ram 3500 Insurance in Toledo

Insurance rates Dodge Ram 3500 in ToledoWant to know an easy way to compare the cheapest auto insurance rates in Toledo, OH? Toledo shoppers have a choice when shopping for the lowest priced Dodge Ram 3500 insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to compare auto insurance rates and we’ll show you the quickest way to price shop coverage for your Dodge and find the cheapest rates either online or from Toledo insurance agents.

A recent study showed that a large majority of drivers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never quoted auto insurance rates at all. Many drivers in America could save almost 47% every year, but they just don’t understand how easy it is to do a rate comparison.

It’s smart to check auto insurance prices occasionally because prices are rarely the same from one policy term to another. If you had the lowest rates on Dodge Ram 3500 insurance in Toledo at your last renewal a different company probably has better premium rates today. Ignore everything you know about auto insurance because you’re about to learn the quickest way to save money, get proper coverage and the best rates.

If you have insurance now or need new coverage, you can use these techniques to get lower rates while maximizing coverage. Our objective in writing this article is to help you learn the best methods to compare rates and some money-saving tips. Vehicle owners just need to learn the best way to compare different rates online from multiple companies.

Don’t overlook these Dodge Ram 3500 insurance discounts

Car insurance companies don’t list all available discounts very clearly, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

Policy discounts save money, but most discounts do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will definitely reduce your overall premium however.

The example below illustrates the comparison of Dodge Ram 3500 premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

Car insurance companies that possibly offer these discounts may include but are not limited to:

Before you buy a policy, ask every insurance company how you can save money. All car insurance discounts might not be offered on policies in Toledo. For a list of insurance companies who offer insurance discounts in Ohio, follow this link.

Compare quotes for Toledo Dodge Ram 3500 insurance

Most companies such as Progressive, GEICO, Allstate and State Farm make it easy to get insurance quotes online. Doing online quotes for Dodge Ram 3500 insurance in Toledo is quite simple as you simply type in the coverages you want as requested by the quote form. Upon sending the form, the company’s rating system automatically orders information on your driving record and credit history and quotes a price.

The ability to get online rates for Dodge Ram 3500 insurance in Toledo simplifies rate comparisons, and it is imperative to get many rate quotes if you are searching for a better rate.

To save time and get comparison pricing now, compare quotes from the companies shown below. If you currently have coverage, we recommend you type in the insurance coverages as close as possible to your current policy. Doing this guarantees you will get rate quotes using the exact same coverages.

The car insurance companies shown below provide free rate quotes in Toledo, OH. If multiple companies are listed, it’s highly recommended you compare several of them to find the most competitive car insurance rates.

Dodge Ram 3500 coverage statistics

The table shown next covers detailed analysis of insurance rates for Dodge Ram 3500 models. Having knowledge of how rates are calculated can be valuable when making smart choices when choosing a car insurance company.

Dodge Ram 3500 Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $170 $290 $238 $14 $72 $784 $65
Ram 3500 Crew Cab ST 2WD $210 $342 $238 $14 $72 $876 $73
Ram 3500 Crew Cab ST 4WD $210 $392 $358 $22 $108 $1,090 $91
Ram 3500 Crew Cab SLT 2WD $210 $392 $238 $14 $72 $926 $77
Ram 3500 Mega Cab SLT 2WD $210 $392 $238 $14 $72 $926 $77
Ram 3500 Mega Cab SLT 4WD $210 $444 $358 $22 $108 $1,142 $95
Ram 3500 Crew Cab SLT 4WD $210 $444 $358 $22 $108 $1,142 $95
Ram 3500 Crew Cab Laramie 4WD $210 $444 $358 $22 $108 $1,142 $95
Ram 3500 Mega Cab Laramie 2WD $210 $392 $238 $14 $72 $926 $77
Ram 3500 Crew Cab Laramie 2WD $210 $392 $238 $14 $72 $926 $77
Ram 3500 Mega Cab Laramie 4WD $210 $444 $358 $22 $108 $1,142 $95
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates considerably.

Rate comparison for different deductibles

One of the most common car insurance questions is how high or low should comp and collision deductibles be. The following tables may help you to understand the rate differences when you buy lower versus higher physical damage deductibles. The first data table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Dodge Ram 3500 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $198 $296 $226 $14 $68 $827 $69
Ram 3500 Crew Cab ST 2WD $244 $348 $226 $14 $68 $925 $77
Ram 3500 Crew Cab ST 4WD $244 $400 $340 $20 $102 $1,131 $94
Ram 3500 Crew Cab SLT 2WD $244 $400 $226 $14 $68 $977 $81
Ram 3500 Mega Cab SLT 2WD $244 $400 $226 $14 $68 $977 $81
Ram 3500 Mega Cab SLT 4WD $244 $454 $340 $20 $102 $1,185 $99
Ram 3500 Crew Cab SLT 4WD $244 $454 $340 $20 $102 $1,185 $99
Ram 3500 Crew Cab Laramie 4WD $244 $454 $340 $20 $102 $1,185 $99
Ram 3500 Mega Cab Laramie 2WD $244 $400 $226 $14 $68 $977 $81
Ram 3500 Crew Cab Laramie 2WD $244 $400 $226 $14 $68 $977 $81
Ram 3500 Mega Cab Laramie 4WD $244 $454 $340 $20 $102 $1,185 $99
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Dodge Ram 3500 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $122 $186 $226 $14 $68 $616 $51
Ram 3500 Crew Cab ST 2WD $150 $220 $226 $14 $68 $678 $57
Ram 3500 Crew Cab ST 4WD $150 $252 $340 $20 $102 $864 $72
Ram 3500 Crew Cab SLT 2WD $150 $252 $226 $14 $68 $710 $59
Ram 3500 Mega Cab SLT 2WD $150 $252 $226 $14 $68 $710 $59
Ram 3500 Mega Cab SLT 4WD $150 $286 $340 $20 $102 $898 $75
Ram 3500 Crew Cab SLT 4WD $150 $286 $340 $20 $102 $898 $75
Ram 3500 Crew Cab Laramie 4WD $150 $286 $340 $20 $102 $898 $75
Ram 3500 Mega Cab Laramie 2WD $150 $252 $226 $14 $68 $710 $59
Ram 3500 Crew Cab Laramie 2WD $150 $252 $226 $14 $68 $710 $59
Ram 3500 Mega Cab Laramie 4WD $150 $286 $340 $20 $102 $898 $75
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in vehicle garaging location which can increase or decrease price quotes noticeably.

We can derive from the above data that using a $250 deductible will cost you approximately $22 more each month or $264 annually than selecting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 34 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $87
Average monthly premium for $1,000 deductibles (subtract): – $65
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One important note is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a physical damage claim. You should have some non-essential savings in the event you have to pay the deductible.

Insurance Rate Influencing Factors

Consumers need to have an understanding of the different types of things that are used to determine the price you pay for insurance. When you understand what impacts premium levels, this allows you to make good choices that could result in lower premium levels.

Shop online but buy locally

Some consumers prefer to talk to an insurance agent and that is recommended in a lot of cases Agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of getting online price quotes is that you can find the best rates and also buy local. And buying from neighborhood agents is important particularly in Toledo.

After filling out this form (opens in new window), your insurance data is emailed to insurance agents in Toledo that can provide free Toledo car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to leave your computer as quotes are delivered straight to your inbox. If you need to quote rates from one company in particular, feel free to go to their quote page and give them your coverage information.

Toledo car insurance agents are either independent or exclusive

When looking for a reliable insurance agency, it’s important to understand the types of insurance agents and how they can service your needs differently. Agencies in Toledo can either be independent agents or exclusive agents depending on their employer. Either type can write policy coverage, but we need to point out why they differ because it can influence the selection process.

Independent Auto Insurance Agencies

Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage with many different companies and find you the best rates. If you want to switch companies, they simply move the coverage in-house which requires no work on your part. If you need cheaper auto insurance rates, we recommend you include rate quotes from a couple of independent agencies to maximize your price options. Most also write with small regional insurance companies that may have much lower rates than larger companies.

The following are Toledo independent insurance agencies who can help you get free price quotes.

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Exclusive Agents

Agents in the exclusive channel can only write with one company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on their company’s products which aids in selling service over price. Consumers frequently buy insurance from these agents primarily because of loyalty to the company and strong financial ratings.

Below are Toledo exclusive insurance agencies who can help you get rate quotes.

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Finding the right insurance agent is decision based upon more than just a low price. Any agent in Toledo should have no problem answering these questions:

Car insurance is not optional in Ohio

Even though it can be expensive, maintaining insurance is required in Ohio but also provides important benefits.

The benefits of insuring your Ram 3500 are definitely more than the cost, particularly when you have a large claim. But the average driver in Ohio is overpaying more than $865 each year so shop around once a year at a minimum to ensure rates are competitive.

Do the work, save more money

As you quote Toledo car insurance, you should never skimp on coverage in order to save money. There have been many situations where someone dropped liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

Cost effective Dodge Ram 3500 insurance can be purchased both online and also from your neighborhood Toledo agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online rate quotes and most of the time these small insurance companies sell through independent agencies.

You just read some good ideas how you can save on Dodge Ram 3500 insurance in Toledo. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies.

How to find the cheapest rates for Dodge Ram 3500 insurance in Toledo

If you want to save money, the best way to find cheaper quotes for Dodge Ram 3500 insurance in Toledo is to begin comparing prices regularly from providers who provide auto insurance in Ohio. Rates can be compared by following these steps.

First, get a basic knowledge of what is in your policy and the factors you can control to keep rates down. Many factors that cause rate increases like accidents, traffic violations, and a less-than-favorable credit score can be eliminated by making lifestyle changes or driving safer.

Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from one company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple insurance companies.

Third, compare the price quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.

The most important part of shopping around is that you’ll want to compare the same liability limits and deductibles on every quote and and to get price estimates from all possible companies. Doing this provides a fair price comparison and a complete selection of prices.

Additional auto insurance information is available below: