Truthfully, the best way to find the cheapest price for Dodge Ram insurance is to begin comparing prices regularly from providers who provide auto insurance in Chula Vista.
- Spend some time learning about individual coverages and the steps you can take to prevent expensive coverage. Many things that are responsible for high rates like traffic citations and a low credit rating can be rectified by improving your driving habits or financial responsibility. Continue reading for more ideas to help prevent high rates and find possible discounts that are available.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple insurance companies. View prices
- Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
One important bit of advice is to try to compare the same liability limits and deductibles on each price quote and and to get price estimates from as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and a thorough price selection.
We don’t have to point out that fact that insurance companies want to keep your business as long as possible. Consumers who shop for lower prices will probably move their business because there are good odds of finding more affordable rates. A recent car insurance study revealed that people who compared rate quotes regularly saved approximately $70 a month compared to people who never compared other company’s rates.
If finding discount rates on auto insurance in Chula Vista is the reason you’re reading this, then having some insight into how to find companies and compare cheaper coverage can make it simple to find affordable coverage.
The quickest way to compare insurance rates in your area is to know the trick auto insurance companies participate in online systems to quote your coverage. All you need to do is spend a couple of minutes providing details including if it has an anti-theft system, if you have a valid license, whether you drive to work or school, and if a SR-22 is required. That information is automatically sent to many highly-rated insurers and they return quotes immediately.
To find the cheapest Dodge Ram insurance rates, click here then complete the form.
The following companies are ready to provide free rate quotes in Chula Vista, CA. To buy cheap auto insurance in California, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Rates and detailed analysis
The coverage table shown below showcases estimates of coverage prices for Dodge Ram models. Having a good understanding how auto insurance prices are figured is important for making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $252 | $350 | $514 | $30 | $154 | $1,300 | $108 |
| Ram Quad Cab TRX4 Off Road 2WD | $286 | $426 | $514 | $30 | $154 | $1,410 | $118 |
| Ram Quad Cab SLT 2WD | $286 | $426 | $514 | $30 | $154 | $1,410 | $118 |
| Ram Crew Cab ST 2WD | $286 | $426 | $514 | $30 | $154 | $1,410 | $118 |
| Ram Quad Cab ST 4WD | $286 | $426 | $514 | $30 | $154 | $1,410 | $118 |
| Ram Crew Cab SLT 2WD | $286 | $426 | $514 | $30 | $154 | $1,410 | $118 |
| Ram Crew Cab TRX 2WD | $286 | $426 | $514 | $30 | $154 | $1,410 | $118 |
| Ram Quad Cab SLT 4WD | $286 | $426 | $514 | $30 | $154 | $1,410 | $118 |
| Ram Crew Cab ST 4WD | $286 | $426 | $514 | $30 | $154 | $1,410 | $118 |
| Ram Crew Cab Sport 2WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Quad Cab Sport 2WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Quad Cab TRX4 Off Road 4WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Crew Cab TRX 4WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Crew Cab SLT 4WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Quad Cab Laramie 2WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Crew Cab Laramie 2WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Crew Cab Sport 4WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Quad Cab Sport 4WD | $318 | $502 | $514 | $30 | $154 | $1,518 | $127 |
| Ram Crew Cab Laramie 4WD | $318 | $580 | $514 | $30 | $154 | $1,596 | $133 |
| Ram Quad Cab Laramie 4WD | $318 | $580 | $514 | $30 | $154 | $1,596 | $133 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in vehicle garaging location which can revise premium rates greatly.
The chart below illustrates how choosing a deductible and can change Dodge Ram insurance costs for each different age group. The premiums assume a single female driver, full physical damage coverage, and no additional discounts are factored in.
Tickets and at-fault accidents raise rates
The chart below shows how violations and fender-benders increase Dodge Ram insurance prices for each age group. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Dodge Ram insurance rates by gender
The example below shows the difference between Dodge Ram auto insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied to the premium.
How much more does full coverage cost?
The illustration below illustrates the difference between Dodge Ram insurance costs with liability coverage only compared to full coverage. The rate quotes are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
When to eliminate full coverage
There isn’t a written rule for eliminating full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Dodge Ram claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If you are paying over $300 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Compare rates but still have a local Chula Vista insurance agency
Certain consumers would prefer to visit with an insurance agent and that is recommended in a lot of cases The biggest benefit of comparing rates online is that you can obtain cheap car insurance quotes but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), the coverage information is immediately sent to agents in your area that can give you free Chula Vista car insurance quotes for your business. You won’t even need to search for any insurance agencies since price quotes are sent straight to your inbox. It’s the lowest rates without having to waste a lot of time. If you have a need to get a comparison quote from a specific company, you just need to find their quoting web page and submit a quote form there.
Choosing the best insurer requires you to look at more than just the price. Any agent in Chula Vista should be willing to answer these questions.
- Are they involved in claim handling?
- Where are claims handled?
- Does the company have a solid financial rating?
- Are they able to provide referrals?
- Is assistance available after office hours?
- How much training do they have in personal risk management?
If you prefer to buy car insurance from a reliable insurance agency, it helps to know the two different agency structures from which to choose. Agents can either be independent or exclusive.
Exclusive Car Insurance Agents
These type of agents write business for a single company and some examples include American Family, State Farm, and Allstate. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.
Below are Chula Vista exclusive agents that are able to give price quote information.
Lee Meyer – State Farm Insurance Agent
826 Starboard St – Chula Vista, CA 91914 – (619) 656-5020 – View Map
State Farm: Cynthia Stojeba
46 3rd Ave B – Chula Vista, CA 91910 – (619) 425-1403 – View Map
Farmers Insurance – Charles Phillips
642 3rd Ave a – Chula Vista, CA 91910 – (619) 585-3484 – View Map
Independent Car Insurance Agents
Agents in the independent channel can sell policies from many different companies so as a result can place your coverage with multiple insurance companies and find you the best rates. If you are not satisfied with one company, the agent simply finds a different carrier which requires no work on your part. When comparing rates, we recommend you get insurance quotes from several independent agencies to get the best comparison.
The following is a short list of independent agencies in Chula Vista that are able to give price quote information.
Elect Insurance Center
1229 Third Ave c – Chula Vista, CA 91911 – (619) 425-3532 – View Map
Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006 – Chula Vista, CA 91915 – (619) 616-0037 – View Map
Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map
How to find a good California auto insurance company
Selecting a high-quality insurer can be rather challenging considering how many different insurance companies sell coverage in Chula Vista. The rank data listed below may help you pick which providers you want to consider when shopping around.
Top 10 Chula Vista Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+