If you want to save the most money, the best way to get affordable auto insurance rates in Pittsburgh is to make a habit of comparing prices annually from different companies who can sell car insurance in Pennsylvania. You can compare prices by following these guidelines.
- Take a little time to learn about how your policy works and the things you can change to prevent expensive coverage. Many risk factors that are responsible for high rates like getting speeding tickets and poor credit history can be improved by making minor driving habit or lifestyle changes.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple insurance companies. Start a quote
- Compare the price quotes to your existing rates to see if you can save by switching companies. If you can save some money, make sure there is no coverage gap between policies.
A good piece of advice is that you’ll want to compare similar deductibles and liability limits on every quote and and to look at all possible companies. Doing this helps ensure the most accurate price comparison and maximum price selection.
Everyone knows that auto insurance companies want to keep you from shopping around. People who shop for lower prices will presumably buy a new policy because of the good chance of finding lower rate quotes. A recent survey revealed that consumers who compared prices once a year saved $3,450 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding discount rates on Dodge Ram 2500 insurance is your ultimate goal, then having some insight into how to find and compare insurance coverage can make the process more efficient.
Locating the best protection in Pittsburgh is not as confusing as people think. If you have insurance now or are looking for a new policy, you can follow these tips to find the best rates without reducing protection. Drivers just have to use the quickest method to compare insurance rates over the internet.
Finding a better price on car insurance is a great way to save money. Consumers just need to take time comparing price quotes to see which company has affordable Dodge Ram 2500 insurance quotes.
The companies shown below are ready to provide quotes in Pennsylvania. If multiple companies are listed, it’s a good idea that you get price quotes from several of them in order to get a fair rate comparison.
Car insurance analysis for a Dodge Ram 2500
The table below covers estimates of insurance costs for Dodge Ram 2500 models. Having insight into how premiums are determined can help customers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 2500 Crew Cab ST 2WD | $152 | $312 | $390 | $24 | $116 | $994 | $83 |
| Ram 2500 Crew Cab SLT 2WD | $152 | $358 | $390 | $24 | $116 | $1,040 | $87 |
| Ram 2500 Mega Cab SLT 2WD | $152 | $358 | $390 | $24 | $116 | $1,040 | $87 |
| Ram 2500 Crew Cab Laramie 2WD | $152 | $358 | $390 | $24 | $116 | $1,040 | $87 |
| Ram 2500 Crew Cab ST 2WD | $152 | $358 | $390 | $24 | $116 | $1,040 | $87 |
| Ram 2500 Mega Cab Laramie 2WD | $152 | $358 | $390 | $24 | $116 | $1,040 | $87 |
| Ram 2500 Crew Cab ST 4WD | $170 | $312 | $390 | $24 | $116 | $1,012 | $84 |
| Ram 2500 Crew Cab SLT 2WD | $170 | $358 | $390 | $24 | $116 | $1,058 | $88 |
| Ram 2500 Mega Cab SLT 2WD | $170 | $358 | $390 | $24 | $116 | $1,058 | $88 |
| Ram 2500 Mega Cab SLT 4WD | $170 | $312 | $390 | $24 | $116 | $1,012 | $84 |
| Ram 2500 Crew Cab SLT 4WD | $170 | $312 | $390 | $24 | $116 | $1,012 | $84 |
| Ram 2500 Crew Cab Laramie 2WD | $170 | $406 | $390 | $24 | $116 | $1,106 | $92 |
| Ram 2500 Mega Cab Laramie 2WD | $170 | $406 | $390 | $24 | $116 | $1,106 | $92 |
| Ram 2500 Crew Cab ST 4WD | $170 | $312 | $390 | $24 | $116 | $1,012 | $84 |
| Ram 2500 Mega Cab Laramie 4WD | $170 | $312 | $390 | $24 | $116 | $1,012 | $84 |
| Ram 2500 Crew Cab Laramie 4WD | $170 | $312 | $390 | $24 | $116 | $1,012 | $84 |
| Ram 2500 Mega Cab SLT 4WD | $188 | $358 | $390 | $24 | $116 | $1,076 | $90 |
| Ram 2500 Crew Cab SLT 4WD | $188 | $358 | $390 | $24 | $116 | $1,076 | $90 |
| Ram 2500 Crew Cab Laramie 4WD | $188 | $358 | $390 | $24 | $116 | $1,076 | $90 |
| Ram 2500 Mega Cab Laramie 4WD | $188 | $358 | $390 | $24 | $116 | $1,076 | $90 |
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific location information which can lower or raise rates substantially.
Difference between liability only and full coverage rates
The illustration below shows the comparison of Dodge Ram 2500 car insurance costs when comparing full coverage to state minimum liability only. The data is based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no clear-cut rule to delete physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Dodge Ram 2500 replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after you pay the deductible. If premiums are more than $500 annually to have full coverage, then you might want to think about dropping full coverage.
There are a few situations where removing full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Auto insurance can be complex
When it comes to your policy for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so this has to be addressed.
Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.
- Who is covered when they drive my Dodge Ram 2500?
- Is business property covered if stolen from my car?
- What are the financial responsibility laws in my state?
- What is glass protection for?
- Am I covered by my spouse’s policy after a separation?
- Why are teen drivers so expensive to add on to my policy?
- Do I need replacement cost coverage on my Dodge Ram 2500?
- When should my teen driver be added to my policy?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Insurance is available from local agents
Certain consumers still like to visit with an insurance agent and we recommend doing that Good agents will help you protect your assets and give you someone to call. A good thing about getting online price quotes is the fact that drivers can get cheap rate quotes and still buy from a local agent. And buying from local insurance agencies is still important in Pittsburgh.
Upon completion of this simple form, your insurance coverage information is transmitted to agents in your area who will gladly provide quotes for your business. You don’t have to find an agent on your own as quotes are delivered directly to you. If you want to get a comparison quote from a specific company, feel free to navigate to their website and fill out the quote form the provide.
When researching a local agent, you must know there are a couple types of agencies and how they can write your policy. Insurance policy providers are classified as either independent or exclusive. Either can write insurance policies, but it is a good idea to know the difference in how they write coverage since it may influence the type of agent you choose.
Independent Insurance Agents
Agents that choose to be independent do not sell for just one brand and that is an advantage because they can write policies through lots of different companies and get the cheapest rates. If they find a cheaper price, an independent agent can move your coverage and you stay with the same agent.
If you are comparing rate quotes, you will want to get some free quotes from a couple of independent agencies to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies who may have lower rates.
Below is a partial list of independent insurance agents in Pittsburgh who may be able to give you rate quotes.
- Dowd Insurance Agency Inc
998, Greensburg Pike – East Pittsburgh, PA 15112 – (412) 271-5477 – View Map - McGroarty and Bradburn Insurance
4175 Steubenville Pike – Pittsburgh, PA 15205 – (412) 444-4470 – View Map - D Johnson Insurance Agency
12806 Frankstown Rd – Pittsburgh, PA 15235 – (412) 744-4800 – View Map
Exclusive Insurance Agents
Agents of this type can only write with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents are usually quite knowledgeable on sales techniques and that can be a competitive advantage. Some people will only buy insurance from these agents mainly due to the brand name and strong financial ratings.
Listed below is a short list of exclusive agencies in Pittsburgh willing to provide comparison quotes.
- Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map - Corey Griffith – State Farm Insurance Agent
1143 S Braddock Ave – Pittsburgh, PA 15218 – (412) 241-1178 – View Map - George O’Korn – State Farm Insurance Agent
4486 Steubenville Pike – Pittsburgh, PA 15205 – (412) 921-1182 – View Map
Deciding on a insurance agency should include more criteria than just the premium amount. These are some questions your agent should answer.
- Will they make sure you get an adequate claim settlement?
- What kind of financial rating does the company have?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are claims handled at the agent’s location?
- How will an accident affect your rates?
- How often do they review coverages?
Once you have received answers to your satisfaction to all your questions as well as an affordable premium quote, it’s a good possibility that you have found an auto insurance agent that can be trusted to properly service your insurance policy. Just understand that you are entitled to cancel your coverage when you choose so don’t assume that you are obligated to the insurance policy with no way out.