Who Has Affordable Car Insurance Rates for a Dodge Ram in Columbus?

Buying cheap car insurance for a Dodge Ram in Ohio depends on an enormous amount of factors such as how far you commute, what you do for a living, and if you have tickets or violations. Drivers in Ohio will pay on average $761 annually for Ram insurance, but that amount is an approximation based on a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.

There is a good probability you are not 50 and maybe not even a female, maybe you are married instead of single, and maybe your Ram just needs liability-only coverage. Even a minor change in rating criteria or coverage limits could end up in a significant change in policy price.

This example demonstrates why the only way to find the most affordable coverage for your Dodge is to put in the effort to do a thorough rate comparison.

Insure Your Dodge for Less

The trim level of your Ram tends to impact price, so the price you will pay to insure a Ram Quad Cab ST 2WD model will cost $156 less than the cost to insure the more well-appointed Ram Quad Cab Laramie 4WD model, as shown in the prices below.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in your specific Columbus location which can increase or decrease price quotes greatly.

Best car insurance in Ohio

Ending up with the best car insurance provider can be challenging considering how many companies sell insurance in Ohio. The rank data in the lists below can help you pick which car insurance companies to look at comparing rate quotes with.

These rankings are only comprised of the companies with a significant amount of written premium nationwide, so companies that may only write in Ohio are not taken into consideration for the list. To compare prices and find the cheapest rates for a Dodge Ram, follow this link.

Top 10 Large Car Insurance Companies in Columbus Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Progressive – A+
7. Erie Insurance – A+
8. The Hartford – A+
9. Nationwide – A+
10. Esurance – A+

Top 10 Large Car Insurance Companies in Columbus Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Erie Insurance
5. State Farm
6. Liberty Mutual
7. Safeco Insurance
8. Allstate
9. 21st Century
10. Travelers

The information below illustrates how your choice of deductibles can change insurance costs when getting quotes for cheap insurance for a Dodge Ram. The premiums assume a married female driver, comprehensive and collision coverage, and no discounts are applied.

A 40-year-old driver could lower their policy premium by $224 a year by increasing from a $100 deductible up to a $500 deductible, or save $340 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, have the ability to save $554 every year by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is essential to have enough in a savings account to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.

Careless driving habits raise Columbus car insurance rates

The recommended way to snag low car insurance premiums for a Ram pickup is to be a good driver and not receive tickets or have accidents. The example below demonstrates how speeding tickets and at-fault claims can influence car insurance rates for each age group. The prices are based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.

In the chart above, the average cost of a car insurance policy in Ohio per year with no violations or accidents is $1,580. Add in one speeding ticket and the average cost swells to $1,790, an increase of $209 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for a Dodge Ram increases to an average of $2,376. That’s an increase of $796, or $66 per month, just for not paying attention while driving!

Chances are good that you’re overpaying for Ram insurance

Columbus, OH car insurance rates are influenced by many factors that may substantially change the cost of having a policy. Turning one year older, increasing deductibles, or having an accident may prompt premium changes that can now make some companies affordable when they were higher priced. Not only may your situation change, but insurance companies file new rates as needed as an adjustment for underwriting gains or losses. Heavy losses may cause more expensive prices, while lower claims may cause more affordable Ram insurance rates.

To illustrate this point, the graph below analyzes the cheapest car insurance in Columbus, OH for a 35-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his current risk factors, Utica National might offer the cheapest car insurance rates in Columbus at $778 per year. This is $262 less than the average premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and USAA are also on the list of the cheapest Columbus, OH auto insurance companies.

The next chart shows rates after we give the driver from the first example some claims, a lower credit rating, and a speeding ticket. Since each insurance company has their own guidelines to set their prices, comparing prices may result in a different list of companies as shown below.

Cincinnati Insurance now has the lowest car insurance rate in Columbus with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty also being competitive. This example proves why Ohio drivers need to compare as many rates as possible when trying to get the most budget-friendly insurance rates for a Dodge Ram.

Rates are determined by many different factors and can change substantially, so the most economical option a year ago may now be costing you a lot of money.

If you aren’t clear which coverage you need and would like to have a professional recommendation when comparing insurance rates for a Ram pickup, the insurance agencies listed below are a good start to answer your questions and help you decide which coverage meets your needs best. To locate a Columbus insurance agent by location nearest to you, click the button at the bottom of the list.

• Howard Tyler – State Farm Insurance Agent
  1395 E Dublin Granville Rd #201 – Columbus, OH 43229 – (614) 431-8192
• GEICO Insurance Agent
  7370 Sawmill Rd Suite 2720 – Columbus, OH 43235 – (614) 336-4240
• Amie Kim – State Farm Insurance Agent
  1246 N High St – Columbus, OH 43201 – (614) 586-8701

View more Columbus, OH insurance agents

How to find economical auto insurance for a Dodge Ram

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty solutions that can help you find more affordable auto insurance.

• Pay lower rates with good credit
• Accident-free drivers may qualify for discounts
• Increase deductibles to save money
• Vehicles with good safety ratings have lower liability rates
• Do not get traffic violations
• Do not insure for full coverage
• Shop around for cheaper prices

The last tip in the list is particularly important, as was affirmed in this piece. Prices charged by companies in Columbus adjust often, so don’t hesitate to buy from a different company if a lower price can be found.

We understand brand loyalty, but we do not recommend it if that stubbornness costs you lots of hard earned cash every month. Spend a few minutes and shop around to find cheaper auto insurance for a Dodge Ram.