Finding the cheapest coverage for a Dodge Ram depends on lots of different factors such as your age, whether or not you have prior claims, and driving violations and tickets. Tennessee drivers pay approximately $1,103 per year for Ram insurance, but that price is an estimation based upon a 50-year-old single male driver with full coverage and $250 deductibles.
Odds are that you aren’t exactly 50 years old or even a male, you might be married instead of single, and maybe your Ram just needs liability-only coverage. Not everyone needs the same coverages, so the best method for finding cheap insurance rates for your Dodge is to do your own rate comparisons. Get your free quotes now and you will get price quotes from the best auto insurance companies that offer coverage in Tennessee.
The trim level of your vehicle will likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Ram Quad Cab ST 2WD will be $258 less than the cost to insure the more expensive Ram Quad Cab Laramie 4WD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$192||$318||$368||$22||$110||$1,010||$84|
|Ram Quad Cab TRX4 Off Road 2WD||$216||$388||$368||$22||$110||$1,104||$92|
|Ram Quad Cab SLT 2WD||$216||$388||$368||$22||$110||$1,104||$92|
|Ram Crew Cab ST 2WD||$216||$388||$368||$22||$110||$1,104||$92|
|Ram Quad Cab ST 4WD||$216||$388||$368||$22||$110||$1,104||$92|
|Ram Crew Cab SLT 2WD||$216||$388||$368||$22||$110||$1,104||$92|
|Ram Crew Cab TRX 2WD||$216||$388||$368||$22||$110||$1,104||$92|
|Ram Quad Cab SLT 4WD||$216||$388||$368||$22||$110||$1,104||$92|
|Ram Crew Cab ST 4WD||$216||$388||$368||$22||$110||$1,104||$92|
|Ram Crew Cab Sport 2WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Quad Cab Sport 2WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Quad Cab TRX4 Off Road 4WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Crew Cab TRX 4WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Crew Cab SLT 4WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Quad Cab Laramie 2WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Crew Cab Laramie 2WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Crew Cab Sport 4WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Quad Cab Sport 4WD||$242||$456||$368||$22||$110||$1,198||$100|
|Ram Crew Cab Laramie 4WD||$242||$526||$368||$22||$110||$1,268||$106|
|Ram Quad Cab Laramie 4WD||$242||$526||$368||$22||$110||$1,268||$106|
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price information does not factor in specific location information which can modify auto insurance rates noticeably.
Deciding which company quotes the cheapest auto insurance rates for a Dodge Ram calls for more work than just getting one or two price quotes. Every insurance company has a proprietary method to establish rates, so let’s take a look at the lowest cost auto insurance companies in Nashville.
It’s important to understand that Nashville, TN auto insurance rates are based on many factors that control the price you have to pay for coverage. Simply turning a year older, becoming a homeowner, or having a fender bender can produce rate changes resulting in some rates now being more affordable than before.
Find the Best Cheap Insurance for Your Ram Truck
Utica National generally has some of the best car insurance rates in Nashville at around $737 annually. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers also make the cut as some of the best Nashville, TN auto insurance companies.
In the above example, if you are a policyholder with Penn National and switched to Utica National, you may realize yearly savings of approximately $171. Insureds with Tennessee Farmers may save as much as $186 a year, and USAA policyholders might cut rates by $192 a year.
To see if your current coverage is too expensive, click here to start your custom quote or feel free to get quotes from the companies below.
It’s important to note that these policy rates are averages for all ages of drivers and types of vehicles and do not factor in an exact location for a Dodge Ram. So the company that fits your age and vehicle best may not even be in the top 30 companies in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
Discounts on Nashville insurance
Insurance providers that offer coverage for a Dodge Ram may have premium discounts that can lower rates by 30% or more if you meet the requirements. The best auto insurance companies and their offered discounts are shown below.
- Farm Bureau may have discounts that include youthful driver, 55 and retired, good student, driver training, safe driver, and renewal discount.
- MetLife includes discounts for good student, good driver, accident-free, defensive driver, claim-free, multi-policy
- Progressive may offer discounts for multi-vehicle, online quote discount, homeowner, continuous coverage, good student, online signing, and multi-policy.
- AAA may include discounts for multi-policy, education and occupation, anti-theft, good driver, AAA membership discount, good student, and multi-car.
- American Family offers discounts for accident-free, good student, early bird, defensive driver, and mySafetyValet.
- GEICO offers discounts including membership and employees, emergency military deployment, air bags, multi-vehicle, good student, and multi-policy.
- State Farm policyholders can earn discounts including defensive driving training, student away at school, multiple policy, safe vehicle, driver’s education, and anti-theft.
The chart below visualizes the comparison of insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or driving citations, Tennessee state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, vehicle safety, defensive driving course, accident-free, and safe-driver discounts applied. With discounts applied, the average amount saved each year on auto insurance for a Dodge Ram is 28% or $531.
You may be paying too much for Ram insurance
Nashville, TN auto insurance rates are based on many factors which can substantially decrease or increase the price you have to pay. Turning one year older, filing a claim, or having an accident can trigger changes in premium resulting in some companies being cheaper than before.
Additionally, companies amend premium rates as often as every quarter to adjust for gains or losses. Significantly higher losses can result in more expensive prices, while a profitable period can result in more affordable Ram insurance rates.
To help illustrate this point, the graph below shows the company with the cheapest car insurance in Nashville, TN for a 40-year-old female driver with no accidents or violations, and solid credit. When comparing rates based on her current rating profile, Utica National offers the most affordable car insurance rates in Nashville at $867 per year. This is $461 less than the average policy premium paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also make the list of the top five cheapest Nashville, TN auto insurance companies.
The example below compares rates after we give the driver from above a claim surcharge, a lower credit rating, and a blemish on her driving record. Since every insurance provider has a different formula for determining prices, comparing insurance quotes most likely will result in a new list of affordable Nashville car insurance companies as shown below.
Tennessee Farmers now has the cheapest rate in Nashville, TN with Nationwide, Allied, Westfield, and GEICO now rounding out the top five. This example demonstrates why it is critical to do a thorough rate comparison when trying to find the most budget-friendly car insurance rates for a Dodge Ram.
Car insurance prices consist of many different factors and change dramatically, so the cheapest option the last time you shopped around may now be quite expensive.