How long has it been since you sat down and looked for more affordable Dodge Ram insurance in St. Louis? Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Believe me, there are a lot of people in St. Louis just like you who feel imprisoned by their insurance policy.
Sadly, a large majority of insurance policyholders kept buying from the same company for over three years, and almost half have never taken the time to shop around. St. Louis consumers can cut their rates by roughly 25% a year by just shopping around, but they don't understand how simple it is to find cheaper insurance rates. Insurance companies such as State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with advertising and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.
It's a good idea to compare premium rates as often as possible since prices go up and down regularly. Just because you found the best price on Dodge Ram insurance in St. Louis at your last renewal you can probably find a lower rate today. You can find a lot of misleading information regarding Ram insurance online, but I'm going to show you some of the best techniques to lower your insurance premiums.
The companies shown below can provide free quotes in Missouri. If multiple providers are shown, we suggest you get prices from several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$262||$340||$394||$24||$118||$1,138||$95|
|Ram Quad Cab TRX4 Off Road 2WD||$200||$344||$282||$16||$84||$926||$77|
|Ram Quad Cab SLT 2WD||$162||$274||$316||$18||$94||$864||$72|
|Ram Crew Cab ST 2WD||$172||$258||$310||$18||$92||$850||$71|
|Ram Quad Cab ST 4WD||$184||$274||$308||$18||$92||$876||$73|
|Ram Crew Cab SLT 2WD||$224||$392||$392||$24||$118||$1,150||$96|
|Ram Crew Cab TRX 2WD||$232||$346||$302||$18||$90||$988||$82|
|Ram Quad Cab SLT 4WD||$172||$258||$310||$18||$92||$850||$71|
|Ram Crew Cab ST 4WD||$210||$344||$406||$24||$122||$1,106||$92|
|Ram Crew Cab Sport 2WD||$138||$264||$340||$20||$102||$864||$72|
|Ram Quad Cab Sport 2WD||$124||$218||$288||$18||$86||$734||$61|
|Ram Quad Cab TRX4 Off Road 4WD||$320||$600||$406||$24||$122||$1,472||$123|
|Ram Crew Cab TRX 4WD||$202||$372||$392||$24||$118||$1,108||$92|
|Ram Crew Cab SLT 4WD||$180||$322||$340||$20||$102||$964||$80|
|Ram Quad Cab Laramie 2WD||$248||$502||$340||$20||$102||$1,212||$101|
|Ram Crew Cab Laramie 2WD||$160||$258||$302||$18||$90||$828||$69|
|Ram Crew Cab Sport 4WD||$202||$348||$288||$18||$86||$942||$79|
|Ram Quad Cab Sport 4WD||$162||$274||$282||$16||$84||$818||$68|
|Ram Crew Cab Laramie 4WD||$224||$478||$288||$18||$86||$1,094||$91|
|Ram Quad Cab Laramie 4WD||$248||$578||$340||$20||$102||$1,288||$107|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in specific St. Louis garaging location which can revise prices noticeably.
Cut your auto insurance rates with these nine discounts
Companies that sell car insurance don't list every policy discount very well, so the next list breaks down both well-publicized as well as some of the hidden auto insurance savings.
- Anti-lock Brake System - Vehicles equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
- Good Grades Discount - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
- College Student Discount - Any of your kids who attend college more than 100 miles from St. Louis and do not have a car can be insured at a reduced rate.
- Memberships - Being a member of a qualifying organization may earn a discount on your next renewal.
- Savings for New Vehicles - Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for new model year vehicles.
- Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them take driver's ed class if offered at their school.
- Payment Discounts - If you pay your bill all at once rather than paying in monthly installments you can avoid the installment charge.
- Seat Belt Discounts - Using a seat belt and requiring all passengers to fasten their seat belts can save a little on the premium charged for medical payments and/or PIP.
- Anti-theft System - Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, auto insurance companies aren't that generous.
Popular auto insurance companies and some of their more popular discounts include:
- Progressive policyholders can earn discounts including good student, online quote discount, online signing, continuous coverage, and multi-policy.
- GEICO offers discounts including federal employee, military active duty, membership and employees, seat belt use, and emergency military deployment.
- State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, accident-free, passive restraint, anti-theft, and good student.
- Esurance may include discounts for renters, safety device, Pac-12 alumni, claim free, good student, emergency road assistance, and online shopper.
- The Hartford may offer discounts for good student, anti-theft, bundle, vehicle fuel type, and defensive driver.
Check with each company or agent to apply every possible discount. Some of the discounts discussed earlier may not be available everywhere. To locate auto insurance companies with the best Dodge Ram insurance discounts in Missouri, follow this link.
Compare rate quotes but still have a neighborhood St. Louis auto insurance agent
Some consumers prefer to have an agent's advice and that is recommended in a lot of cases Most agents can answer important questions and will help you if you have claims. The biggest benefit of comparing insurance prices online is that drivers can save money and get the lowest rates and still buy from a local agent. Putting coverage with small agencies is important particularly in St. Louis.
Upon completion of this simple form, the coverage information is transmitted to participating agents in St. Louis who will gladly provide quotes and help you find cheaper coverage. It's much easier because you don't need to contact an agency due to the fact that quote results will go instantly to you. If for some reason you want to get a comparison quote from a specific insurance company, feel free to navigate to their website and fill out their quote form.
Two types of auto insurance agents
If you are wanting to find a reliable agent, it's important to understand the different types of agents and how they differ in how they quote coverages. Agents are considered either exclusive or independent (non-exclusive). Both write policy coverage, but it's good to learn how they differ because it can impact buying decisions.
Independent Insurance Agents
Agents that choose to be independent often have affiliation with several companies so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier which is easy for the insured. When comparing auto insurance rates, you will want to get rate quotes from a few independent agents so that you have a good selection of quotes to compare.
The following is a partial list of independent insurance agencies in St. Louis that can give you free auto insurance rate quotes.
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company's rates such as State Farm or Allstate. These agents are unable to shop your coverage around so always compare other rates. Exclusive agencies are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Below is a list of exclusive agencies in St. Louis who can help you get price quote information.
Finding a good insurance agent requires more thought than just a cheap price. Before buying a policy in St. Louis, get answers to these questions.
- What companies can they write with?
- Do you qualify for any additional discounts?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Will they give you a referral list?
- Is insurance their full-time profession?
- Do they regularly work with personal auto policies in St. Louis?
Car insurance coverages and their meanings
Learning about specific coverages of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.
Liability - Liability insurance provides protection from injuries or damage you cause to other's property or people in an accident. This coverage protects you against claims from other people. Liability doesn't cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/10 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for claims like pain and suffering, loss of income, repair costs for stationary objects, bail bonds and legal defense fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible. Missouri requires minimum liability limits of 25/50/10 but it's recommended drivers buy more coverage.
Protection from uninsured/underinsured drivers - This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle's damage.
Due to the fact that many Missouri drivers only purchase the least amount of liability that is required (25/50/10 in Missouri), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.
Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as hospital visits, doctor visits and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Collision - Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree, driving through your garage door, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible on your Ram to get cheaper collision coverage.
Comprehensive (Other than Collision) - Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as a broken windshield, vandalism, hitting a deer and damage from flooding. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.
Cover all your bases
Cost effective Dodge Ram insurance is available from both online companies as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not provide online quoting and many times these regional insurance providers only sell through local independent agencies.
When you buy St. Louis auto insurance online, make sure you don't reduce needed coverages to save money. In many cases, someone dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.
More detailed auto insurance information can be found by following these links:
- Senior Drivers (Insurance Information Institute)
- Who Has the Cheapest Missouri Car Insurance for a Chevrolet Traverse? (FAQ)
- Who Has Affordable Auto Insurance Rates for Teenagers in Missouri? (FAQ)
- Neck Injury FAQ (iihs.org)
- Keeping Children Safe in Crashes Video (iihs.org)