Compare Dodge Ram Insurance Rate Quotes in Pittsburgh

Insurance rates Dodge Ram in PittsburghIt takes a few minutes, but the best way to get the cheapest Dodge Ram insurance in Pittsburgh is to start comparing prices regularly from insurance carriers who can sell car insurance in Pennsylvania. Prices can be compared by following these guidelines.

A crucial key to this process is to compare similar coverage information on every price quote and and to get rates from as many different insurance providers as possible. This enables an accurate price comparison and a complete rate analysis.

It’s safe to assume that auto insurance companies don’t want customers comparing rates. People who get comparison quotes at least once a year are inclined to buy a different policy because they have good chances of finding better rates. A recent survey revealed that people who compared rates once a year saved about $70 a month compared to those who never compared rates.

If finding budget-friendly rates on Dodge Ram insurance is your ultimate objective, then having an understanding of how to get price quotes and compare insurance can make shopping around easier.

The providers in the list below have been selected to offer price quotes in Pittsburgh, PA. To find cheap car insurance in Pittsburgh, PA, it’s highly recommended you compare several of them in order to find the most affordable rates.

Here’s why insurance is not optional

Even though it’s not necessarily cheap to insure a Dodge in Pittsburgh, insuring your vehicle is mandatory in Pennsylvania but it also protects more than you think.

The benefits of insuring your Ram more than offset the price you pay, specifically if you ever have a liability claim. As of last year, the average driver in Pennsylvania is overpaying more than $800 each year so we recommend shopping around every year to make sure the price is not too high.

Rates and detailed analysis

The premium table displayed next highlights different policy rates for Dodge Ram models. Understanding how insurance rates are calculated can assist in making smart choices when comparing insurance rates.

Dodge Ram Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $278 $484 $450 $26 $134 $1,372 $114
Ram Quad Cab TRX4 Off Road 2WD $314 $588 $450 $26 $134 $1,512 $126
Ram Quad Cab SLT 2WD $314 $588 $450 $26 $134 $1,512 $126
Ram Crew Cab ST 2WD $314 $588 $450 $26 $134 $1,512 $126
Ram Quad Cab ST 4WD $314 $588 $450 $26 $134 $1,512 $126
Ram Crew Cab SLT 2WD $314 $588 $450 $26 $134 $1,512 $126
Ram Crew Cab TRX 2WD $314 $588 $450 $26 $134 $1,512 $126
Ram Quad Cab SLT 4WD $314 $588 $450 $26 $134 $1,512 $126
Ram Crew Cab ST 4WD $314 $588 $450 $26 $134 $1,512 $126
Ram Crew Cab Sport 2WD $350 $694 $450 $26 $134 $1,654 $138
Ram Quad Cab Sport 2WD $350 $694 $450 $26 $134 $1,654 $138
Ram Quad Cab TRX4 Off Road 4WD $350 $694 $450 $26 $134 $1,654 $138
Ram Crew Cab TRX 4WD $350 $694 $450 $26 $134 $1,654 $138
Ram Crew Cab SLT 4WD $350 $694 $450 $26 $134 $1,654 $138
Ram Quad Cab Laramie 2WD $350 $694 $450 $26 $134 $1,654 $138
Ram Crew Cab Laramie 2WD $350 $694 $450 $26 $134 $1,654 $138
Ram Crew Cab Sport 4WD $350 $694 $450 $26 $134 $1,654 $138
Ram Quad Cab Sport 4WD $350 $694 $450 $26 $134 $1,654 $138
Ram Crew Cab Laramie 4WD $350 $798 $450 $26 $134 $1,758 $147
Ram Quad Cab Laramie 4WD $350 $798 $450 $26 $134 $1,758 $147
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in your specific Pittsburgh location which can decrease or increase coverage prices greatly.

The information below illustrates how your choice of deductibles and can change Dodge Ram insurance rates for each different age category. The information is based on a single female driver, comp and collision included, and no policy discounts are applied.

Accidents and violations increase rates

The chart below demonstrates how traffic citations and accident claims can increase Dodge Ram car insurance costs for each different age group. The premiums are based on a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Male drivers versus female drivers

The diagram below shows the comparison of Dodge Ram insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comp and collision included, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The chart below illustrates the difference between Dodge Ram insurance prices when comparing full coverage to state minimum liability only. The prices are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to stop buying comprehensive and collision coverage

There isn’t a steadfast formula that works best for making the decision to drop physical damage coverage, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your Dodge Ram settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Don’t neglect these rate reducing discounts

Some insurance providers don’t always advertise every discount available very well, so the following list contains both the well known in addition to some of the lesser obvious ways to save on insurance. If you do not double check each discount available, you are paying more than you should be.Discount insurance

As a footnote on discounts, most discounts do not apply to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

The example below compares Dodge Ram auto insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-car, multi-policy, and claim-free discounts applied.

A list of companies and their offered discounts are included below.

When quoting, ask every insurance company which discounts you qualify for. Some discounts might not be offered in Pittsburgh. To locate insurers who offer insurance discounts in Pittsburgh, click this link.

There’s no such thing as the perfect insurance policy

When it comes to choosing coverage online or from an agent for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply.Drive safe and save
For example, these questions may help highlight if your insurance needs will benefit from professional help.

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

How to find a good Pittsburgh car insurance company

Picking a high-quality insurance provider is difficult considering how many choices you have in Pennsylvania. The rank data shown next can help you pick which auto insurance companies you want to consider when comparing rate quotes.

Best Car Insurance Companies in Pennsylvania
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies