Cheapest Memphis Dodge Ram Insurance

Locating discount Memphis Dodge Ram insurance quotes online can appear to be impossible for consumers new to shopping for insurance on the web. With so many insurance agents and insurance companies available, how can you have time to compare all the different companies and get the best available price?

How to find the cheapest rates for Dodge Ram insurance in Memphis

The best way we recommend to get cheaper car insurance rates is to compare quotes annually from insurance carriers in Memphis. Price quotes can be compared by following these guidelines.

An important bit of advice to remember is to make sure you’re comparing identical coverages on each quote and and to get price quotes from as many car insurance companies as possible. This guarantees the most accurate price comparison and a better comparison of the market.

Discount Dodge Ram insuranceRemarkably, a study showed that almost 70% of drivers in Tennessee kept buying from the same company for well over three years, and approximately 38% of consumers have never compared rates with other companies. With the average auto insurance premium being $1,847, American drivers could save an average of about $850 each year just by comparing rates, but they don’t invest the time required to shop their coverage around.

Discounts can help lower premiums on Dodge Ram insurance in Memphis

Car insurance is not an enjoyable expense, but companies offer discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you get a quote, but some may not be applied and must be requested specifically before they will apply. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

As a footnote on discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.

The example below compares Dodge Ram auto insurance costs with and without discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Tennessee 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, homeowner, safe-driver, multi-policy, claim-free, and marriage discounts applied.

If you would like to see a list of providers that offer many of these discounts in Memphis, click here to view.

How to buy Dodge Ram insurance online

When quoting insurance, remember that comparing a large number of companies will improve the odds of getting the best offered rates. Not every company provides price estimates online, so you should also compare price estimates from those companies as well.

The companies shown below offer comparison quotes in Tennessee. In order to find the best auto insurance in Memphis, TN, we suggest you visit as many as you can in order to get a fair rate comparison.

Premium rates and analysis

The premium table shown next covers detailed analysis of policy rates for Dodge Ram models. Being able to understand how insurance premiums are determined can benefit drivers when making decisions when shopping around.

Dodge Ram Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $118 $190 $368 $22 $110 $808 $67
Ram Quad Cab TRX4 Off Road 2WD $134 $232 $368 $22 $110 $866 $72
Ram Quad Cab SLT 2WD $134 $232 $368 $22 $110 $866 $72
Ram Crew Cab ST 2WD $134 $232 $368 $22 $110 $866 $72
Ram Quad Cab ST 4WD $134 $232 $368 $22 $110 $866 $72
Ram Crew Cab SLT 2WD $134 $232 $368 $22 $110 $866 $72
Ram Crew Cab TRX 2WD $134 $232 $368 $22 $110 $866 $72
Ram Quad Cab SLT 4WD $134 $232 $368 $22 $110 $866 $72
Ram Crew Cab ST 4WD $134 $232 $368 $22 $110 $866 $72
Ram Crew Cab Sport 2WD $150 $274 $368 $22 $110 $924 $77
Ram Quad Cab Sport 2WD $150 $274 $368 $22 $110 $924 $77
Ram Quad Cab TRX4 Off Road 4WD $150 $274 $368 $22 $110 $924 $77
Ram Crew Cab TRX 4WD $150 $274 $368 $22 $110 $924 $77
Ram Crew Cab SLT 4WD $150 $274 $368 $22 $110 $924 $77
Ram Quad Cab Laramie 2WD $150 $274 $368 $22 $110 $924 $77
Ram Crew Cab Laramie 2WD $150 $274 $368 $22 $110 $924 $77
Ram Crew Cab Sport 4WD $150 $274 $368 $22 $110 $924 $77
Ram Quad Cab Sport 4WD $150 $274 $368 $22 $110 $924 $77
Ram Crew Cab Laramie 4WD $150 $314 $368 $22 $110 $964 $80
Ram Quad Cab Laramie 4WD $150 $314 $368 $22 $110 $964 $80
Get Your Own Custom Quote Go

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in vehicle garaging location which can decrease or increase rates noticeably.

Why Informed Consumers Pay Less for Dodge Ram Insurance

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that are used to determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower rates. Lots of factors are used when you get a price on insurance. Some factors are common sense like your driving record, but other criteria are not quite as obvious like your vehicle usage or how financially stable you are.

Special considerations

When quoting and choosing adequate coverage, there really is not a perfect coverage plan. You are unique.

These are some specific questions can help discover if your situation will benefit from professional help.

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

When should I have guidance from an insurance agent?

A small number of people would rather sit down and talk to an agent and there is nothing wrong with that. One of the best bonuses of getting free rate quotes online is you can get better rates and still choose a local agent. Putting coverage with neighborhood agents is important particularly in Memphis.

Upon completion of this quick form, your insurance coverage information gets sent to local insurance agents who will give you bids for your business. You won’t even need to leave your house as quotes are delivered to the email address you provide. You can get cheaper car insurance rates AND a local agent. If you want to get a comparison quote from a particular provider, just find their quoting web page and submit a quote form there.

Finding the right insurer shouldn’t rely on just the premium amount. Some important questions to ask are:

Insurance protects more than just your car

Despite the potentially high cost of Dodge Ram insurance, insuring your vehicle is required in Tennessee but it also protects you in many ways.

First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability protection if you want to drive legally. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you have a lien on your car, it’s most likely the lender will require you to buy full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Dodge at a more expensive rate and force you to pay for the much more expensive policy.

Third, insurance protects both your car and your personal assets. It will also provide coverage for medical bills for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of buying insurance outweigh the cost, particularly if you ever have a claim. As of last year, the average driver in Tennessee is overpaying more than $850 per year so shop around every year to make sure the price is not too high.

What is the best auto insurance company in Memphis?

Selecting the best insurance provider can be difficult considering how many companies there are to choose from in Tennessee. The information in the next section can help you analyze which companies you want to consider when comparing rate quotes.

Top 10 Memphis Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Be persistent and save

Drivers leave their current company for a variety of reasons including poor customer service, questionable increases in premium, extreme rates for teen drivers and not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

Low-cost Dodge Ram insurance in Memphis is attainable on the web and also from your neighborhood Memphis agents, so you need to shop Memphis auto insurance with both to have the best chance of lowering rates. Some insurance companies may not offer rates over the internet and these small, regional companies provide coverage only through independent agents.

We just covered a lot of tips how to reduce Dodge Ram insurance prices online in Memphis. It’s most important to understand that the more you quote Memphis auto insurance, the better your chances of lowering your rates. Consumers could even find that the best price on insurance is with a small mutual company.

Steps to buying low-cost Dodge Ram insurance in Memphis

The easiest way to find the cheapest price for Dodge Ram insurance in Memphis is to do a yearly price comparison from insurance carriers who can sell car insurance in Tennessee. You can compare rates by following these guidelines.

First, spend some time learning about the coverage provided by your policy and the measures you can control to lower rates. Many rating factors that cause high rates like accidents, traffic tickets, and a less-than-favorable credit score can be rectified by paying attention to minor details.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide price quotes for a wide range of insurance providers. Compare rates

Third, compare the quotes to your current policy and see if you can save money. If you find better rates and change companies, make sure coverage does not lapse between policies.

Fourth, tell your current agent or company of your intention to cancel your current car insurance policy. Submit a signed application and payment to the new insurer. As soon as you receive it, keep the new certificate verifying proof of insurance in your vehicle.

One thing to point out is to try to use similar coverage information on every price quote and and to get quotes from as many carriers as you can. Doing this helps ensure an apples-to-apples comparison and many rates to choose from.

Much more information about insurance in Tennessee is available at the links below