Searching for low-cost insurance for a Dodge Ram 2500 in California could be a painful process, but you can learn a few tricks to save time. There are more efficient ways to compare insurance rates so we’re going to tell you the absolute fastest way to compare rates for a new or used Dodge and obtain the cheapest rates from both online companies and Bakersfield agents.
It’s a good habit to shop coverage around occasionally because prices trend upward over time. Just because you found the best deal on Dodge Ram 2500 insurance in Bakersfield on your last policy there may be better deals available now. You can find a lot of wrong information about Ram 2500 insurance on the web, but you can learn some solid techniques on how to lower your insurance bill.
Finding the cheapest auto insurance coverage in Bakersfield can be much easier if you know how to start. If you have a policy now or need new coverage, you can use this information to save money while maintaining coverages. Shoppers just have to learn the least time-consuming way to compare rate quotes online from multiple companies.
How to shop Dodge Ram 2500 insurance online
The following companies are ready to provide free quotes in California. If more than one company is shown, it’s a good idea that you click on several of them to find the most competitive car insurance rates.
Take policy discounts and save on Dodge Ram 2500 insurance in Bakersfield
Car insurance companies do not advertise every discount in a way that’s easy to find, so the next list breaks down a few of the more common and also the lesser-known auto insurance savings. If you do not double check each discount possible, you are throwing money away.
- Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
- Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% but check with your company.
- Early Switch Discount – Select larger companies give a discount for switching to them before your current expiration date. It could save around 10% when you buy Bakersfield car insurance online.
- Senior Citizen Discount – Mature drivers may receive lower premium rates.
- Bakersfield Homeowners Discount – Simply owning a home can save a few bucks because of the fact that having a home shows financial diligence.
Please keep in mind that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.
The chart below shows the difference between Dodge Ram 2500 auto insurance rates with and without discounts applied to the premium. The costs are based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, multi-policy, and marriage discounts applied.
For a list of providers who offer auto insurance discounts in California, click this link.
Rate information and statistics
The coverage table shown next highlights detailed analysis of insurance premium costs for Dodge Ram 2500 models. Understanding how insurance policy premiums are figured can help customers make informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$228||$482||$650||$38||$194||$1,592||$133|
|Ram 2500 Crew Cab SLT 2WD||$228||$554||$650||$38||$194||$1,664||$139|
|Ram 2500 Mega Cab SLT 2WD||$228||$554||$650||$38||$194||$1,664||$139|
|Ram 2500 Crew Cab Laramie 2WD||$228||$554||$650||$38||$194||$1,664||$139|
|Ram 2500 Crew Cab ST 2WD||$228||$554||$650||$38||$194||$1,664||$139|
|Ram 2500 Mega Cab Laramie 2WD||$228||$554||$650||$38||$194||$1,664||$139|
|Ram 2500 Crew Cab ST 4WD||$254||$482||$650||$38||$194||$1,618||$135|
|Ram 2500 Crew Cab SLT 2WD||$254||$554||$650||$38||$194||$1,690||$141|
|Ram 2500 Mega Cab SLT 2WD||$254||$554||$650||$38||$194||$1,690||$141|
|Ram 2500 Mega Cab SLT 4WD||$254||$482||$650||$38||$194||$1,618||$135|
|Ram 2500 Crew Cab SLT 4WD||$254||$482||$650||$38||$194||$1,618||$135|
|Ram 2500 Crew Cab Laramie 2WD||$254||$628||$650||$38||$194||$1,764||$147|
|Ram 2500 Mega Cab Laramie 2WD||$254||$628||$650||$38||$194||$1,764||$147|
|Ram 2500 Crew Cab ST 4WD||$254||$482||$650||$38||$194||$1,618||$135|
|Ram 2500 Mega Cab Laramie 4WD||$254||$482||$650||$38||$194||$1,618||$135|
|Ram 2500 Crew Cab Laramie 4WD||$254||$482||$650||$38||$194||$1,618||$135|
|Ram 2500 Mega Cab SLT 4WD||$280||$554||$650||$38||$194||$1,716||$143|
|Ram 2500 Crew Cab SLT 4WD||$280||$554||$650||$38||$194||$1,716||$143|
|Ram 2500 Crew Cab Laramie 4WD||$280||$554||$650||$38||$194||$1,716||$143|
|Ram 2500 Mega Cab Laramie 4WD||$280||$554||$650||$38||$194||$1,716||$143|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific location information which can lower or raise auto insurance rates substantially.
The example below demonstrates how choosing different deductibles and can impact Dodge Ram 2500 insurance rates for different age categories. The premiums assume a married female driver, full physical damage coverage, and no discounts are applied.
Should you buy full coverage?
The diagram below shows the comparison of Dodge Ram 2500 yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The costs are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no other discounts are factored in.
When to drop comprehensive and collision
There is no clear-cut rule of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s say your Dodge Ram 2500 replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some conditions where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
How do Insurance Providers Determine Dodge Ram 2500 Insurance Prices?
When buying insurance it’s important to understand the different types of things that help determine your policy premiums. When you understand what determines premiums, this enables informed choices that can earn you big savings. Multiple criteria are taken into consideration when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are more obscure like your continuous coverage or how financially stable you are.
Theft deterrents systems cut insurance rates – Owning a car with advanced anti-theft systems can get you a discount on your insurance. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms can thwart car theft and help bring rates down.
Pay more by driving carelessly – Only having one driving citation could increase your next policy renewal twenty percent or more. Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Drivers with severe violations such as hit and run, DWI or reckless driving convictions are required to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.
The diagram below demonstrates how citations and at-fault accidents can drive up Dodge Ram 2500 insurance costs for different ages of insureds. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
How old are your drivers? – Older drivers are more responsible, are lower risk to insure, and get fewer tickets. Young drivers are known to be inattentive when at the wheel of a vehicle therefore insurance rates are much higher.
The chart below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Married people drive safer – Having a spouse may earn you lower rates on your insurance bill. Marriage translates into being more mature than a single person and it’s proven that married drivers tend to file fewer claims.
Men pay more for auto insurance – The statistics show that females take fewer risks when driving. However, this does not mean males are worse at driving than females. Females and males have fender benders at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more major tickets like driving under the influence (DUI).
The chart below shows the difference between Dodge Ram 2500 insurance costs for male and female drivers. The premiums assume no violations or accidents, full physical damage coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Continuous coverage lowers insurance rates – Letting your insurance expire will be a fast way to pay more for insurance. Not only will you pay more, getting caught without coverage will get you a license revocation or jail time.