It’s well known that car insurance companies don’t want policyholders to compare prices from other companies. People who rate shop once a year are highly likely to switch companies because of the good chance of finding a lower-priced company. A recent survey discovered that people who made a habit of comparing rates saved an average of $850 each year compared to drivers who never shopped around.
If finding budget-friendly rates on Dodge Ram 2500 insurance in Indianapolis is the reason you’re here, then learning about the best way to compare insurance can save money and time.
If you want to save money, the best way to get low-cost auto insurance rates in Indianapolis is to do a yearly price comparison from companies that insure vehicles in Indiana.
First, take a little time to learn about policy coverages and the factors you can control to prevent expensive coverage. Many risk factors that increase rates such as at-fault accidents, speeding tickets, and a low credit rating can be improved by making minor changes to your lifestyle.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while agents who are independent can provide price quotes for a wide range of companies.
Third, compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Indianapolis. If you find better rates and buy the policy, make sure there is no lapse in coverage.
Fourth, give proper notification to your current agent or company of your intent to cancel your current policy. Submit a down payment along with a signed application for your new policy. Be sure to safely store the proof of insurance paperwork in a readily accessible location in your vehicle.
A crucial key to this process is to use the same physical damage deductibles and liability limits on each quote and to quote with all possible companies. This ensures a level playing field and maximum price selection.
When shopping for Dodge Ram 2500 insurance in Indianapolis there are multiple ways to obtain and compare prices from companies that offer auto insurance in Indiana. The best method to find the lowest Dodge Ram 2500 rates is simply to get online rate quotes.
It’s so fast and easy to compare price quotes online that it makes it obsolete to make phone calls or go to insurance agents’ offices. The internet eliminates this option unless you have a complicated situation and need the advice and guidance only provided by licensed Indianapolis agents. You can, however, get prices online but buy the policy through an agent. Keep in mind that getting more free quotes provides better odds of finding the best rates.
The companies shown below have been selected to offer free quotes in Indianapolis, IN. If the list has multiple companies, we recommend you visit two to three different companies to get the best price comparison.
Insurance coverage details
The price information shown below showcases a range of insurance prices for Dodge Ram 2500 models. Learning how auto insurance premiums are determined can help customers make informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$182||$320||$326||$20||$98||$946||$79|
|Ram 2500 Crew Cab SLT 2WD||$182||$368||$326||$20||$98||$994||$83|
|Ram 2500 Mega Cab SLT 2WD||$182||$368||$326||$20||$98||$994||$83|
|Ram 2500 Crew Cab Laramie 2WD||$182||$368||$326||$20||$98||$994||$83|
|Ram 2500 Crew Cab ST 2WD||$182||$368||$326||$20||$98||$994||$83|
|Ram 2500 Mega Cab Laramie 2WD||$182||$368||$326||$20||$98||$994||$83|
|Ram 2500 Crew Cab ST 4WD||$202||$320||$326||$20||$98||$966||$81|
|Ram 2500 Crew Cab SLT 2WD||$202||$368||$326||$20||$98||$1,014||$85|
|Ram 2500 Mega Cab SLT 2WD||$202||$368||$326||$20||$98||$1,014||$85|
|Ram 2500 Mega Cab SLT 4WD||$202||$320||$326||$20||$98||$966||$81|
|Ram 2500 Crew Cab SLT 4WD||$202||$320||$326||$20||$98||$966||$81|
|Ram 2500 Crew Cab Laramie 2WD||$202||$416||$326||$20||$98||$1,062||$89|
|Ram 2500 Mega Cab Laramie 2WD||$202||$416||$326||$20||$98||$1,062||$89|
|Ram 2500 Crew Cab ST 4WD||$202||$320||$326||$20||$98||$966||$81|
|Ram 2500 Mega Cab Laramie 4WD||$202||$320||$326||$20||$98||$966||$81|
|Ram 2500 Crew Cab Laramie 4WD||$202||$320||$326||$20||$98||$966||$81|
|Ram 2500 Mega Cab SLT 4WD||$222||$368||$326||$20||$98||$1,034||$86|
|Ram 2500 Crew Cab SLT 4WD||$222||$368||$326||$20||$98||$1,034||$86|
|Ram 2500 Crew Cab Laramie 4WD||$222||$368||$326||$20||$98||$1,034||$86|
|Ram 2500 Mega Cab Laramie 4WD||$222||$368||$326||$20||$98||$1,034||$86|
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in specific zip code location which can increase or decrease prices significantly.
The example below illustrates how your deductible choice and can impact Dodge Ram 2500 yearly insurance costs for each age group. The information is based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Poor driving habits will raise your car insurance rates
The illustration below demonstrates how speeding tickets and fender-benders can affect Dodge Ram 2500 insurance costs for different age categories. The rates are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Cheaper rates by taking advantage of discounts
Car insurance is easily one of your largest bills, but you might be missing out on some discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but once in a while a discount must be asked about before you get the savings.
- Fewer Miles Equal More Savings – Keeping the miles down on your Dodge can qualify you for slightly better premium rates than normal.
- Military Deployment Discount – Having an actively deployed family member may lower your premium rates slightly.
- Accident Forgiveness – This isn’t a discount exactly, but companies like Allstate and GEICO will allow you to have one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
- Life Insurance Discount – Larger insurance companies have a discount if you purchase some life insurance in addition to your auto policy.
- Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
- Indianapolis Homeowners Pay Less – Simply owning a home can earn you a little savings since home ownership is proof that your finances are in order.
- Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you will save at least 10% off all policies.
A little disclaimer on discounts, many deductions do not apply to the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.
The example below shows the comparison of Dodge Ram 2500 insurance rates with and without discounts. The data assumes a female driver, no claims or driving citations, Indiana 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 multi-car, claim-free, homeowner, multi-policy, safe-driver, and marriage discounts applied.
Larger car insurance companies and their possible discounts are included below.
- American Family offers discounts including accident-free, TimeAway discount, mySafetyValet, good driver, and Steer into Savings.
- State Farm may have discounts that include defensive driving training, multiple policy, driver’s education, good driver, and passive restraint.
- 21st Century includes discounts for teen driver, theft prevention, student driver, air bags, and driver training.
- Travelers discounts include student away at school, home ownership, driver training, hybrid/electric vehicle, multi-policy, new car, and IntelliDrive.
- GEICO has discounts for good student, defensive driver, multi-vehicle, five-year accident-free, and daytime running lights.
If you need cheaper Indianapolis car insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in every state.
It may be expensive, but it’s not optional
Even though Indianapolis Ram 2500 insurance rates can get expensive, buying auto insurance is required in Indiana but it also protects you in many ways.
First, almost all states have mandatory insurance requirements which means you are required to buy specific limits of liability protection in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a loan, it’s most likely the lender will force you to have physical damage coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Dodge at a more expensive rate and make you pay the higher premium.
Third, insurance protects your Dodge and your assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your Dodge gets damaged, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance are without a doubt worth the cost, especially for larger claims. According to a 2015 survey, the average American driver is overpaying over $810 a year so it’s very important to do a rate comparison every year to save money.
When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your financial needs are unique and your car insurance should unique, too.
These are some specific questions might help in determining if your situation might need professional guidance.
- Do I have newly-acquired coverage?
- Are my friends covered when driving my car?
- How much liability do I need to cover my assets?
- Is my teenager covered with friends in the car?
- Am I covered if I crash into my own garage door?
- Should I have a commercial auto policy?
- If my pet gets injured in an accident are they covered?
When should I get advice from an agent?
A lot of people just want to get advice from a local agent and we recommend doing that One of the great benefits of comparing rates online is you may find lower premium rates and also buy local.
After completing this simple form, the quote information is instantly submitted to local insurance agents in Indianapolis that provide free Indianapolis car insurance quotes for your coverage. You won’t even need to contact an agency because quoted prices will be sent to you instantly. You can find better rates AND a local agent. If for some reason you want to quote rates from a specific company, just find their quoting web page to submit a rate quote request.
Choosing an insurance company requires more thought than just a cheap price. Any agent in Indianapolis should be forthright in answering these questions:
- Is the coverage adequate for your vehicle?
- What insurance companies do they work with in Indianapolis?
- What company holds the largest book of business for them?
- Does the agency have a good rating with the Better Business Bureau?
- Is the agent properly licensed in Indiana?
- If they are an independent agency in Indianapolis, which companies do they recommend?
Below is a list of car insurance companies in Indianapolis that may be willing to give price quote information for Dodge Ram 2500 insurance in Indianapolis.