Buying cheaper insurance for a Dodge Ram in Colorado is normally pretty easy, but it depends on a whole bunch of rating criteria such as age of the vehicle, if you have prior claims, and citations on your driving record. Colorado drivers pay approximately $1,628 each year for Ram insurance, but that price is an estimation calculated based on a 30-year-old single female driver with full physical damage coverage and $250 deductibles.
Odds are that you aren’t exactly 30 years old or even a female, possibly married instead of single, or maybe your Ram is old enough that it doesn’t require full coverage. Having the smallest difference in policy rating criteria or coverages can make a large difference in the amount insurance costs for a Dodge Ram.
Having different needs demonstrates why the way we recommend to find cheap auto insurance rates for your Dodge is to do the rate comparisons yourself. Price quotes are quick and you will receive prices from the cheapest companies around.
The trim level of your vehicle tends to have a direct effect on the yearly cost, so the cost to insure a Ram Quad Cab ST 2WD trim level will be $378 cheaper than the cost to insure the high end Ram Quad Cab Laramie 4WD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$302||$462||$536||$32||$160||$1,492||$124|
|Ram Quad Cab TRX4 Off Road 2WD||$340||$562||$536||$32||$160||$1,630||$136|
|Ram Quad Cab SLT 2WD||$340||$562||$536||$32||$160||$1,630||$136|
|Ram Crew Cab ST 2WD||$340||$562||$536||$32||$160||$1,630||$136|
|Ram Quad Cab ST 4WD||$340||$562||$536||$32||$160||$1,630||$136|
|Ram Crew Cab SLT 2WD||$340||$562||$536||$32||$160||$1,630||$136|
|Ram Crew Cab TRX 2WD||$340||$562||$536||$32||$160||$1,630||$136|
|Ram Quad Cab SLT 4WD||$340||$562||$536||$32||$160||$1,630||$136|
|Ram Crew Cab ST 4WD||$340||$562||$536||$32||$160||$1,630||$136|
|Ram Crew Cab Sport 2WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Quad Cab Sport 2WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Quad Cab TRX4 Off Road 4WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Crew Cab TRX 4WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Crew Cab SLT 4WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Quad Cab Laramie 2WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Crew Cab Laramie 2WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Crew Cab Sport 4WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Quad Cab Sport 4WD||$378||$662||$536||$32||$160||$1,768||$147|
|Ram Crew Cab Laramie 4WD||$378||$764||$536||$32||$160||$1,870||$156|
|Ram Quad Cab Laramie 4WD||$378||$764||$536||$32||$160||$1,870||$156|
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific zip code location which can change prices substantially.
Selecting a good quality insurance company can be challenging considering how many companies provide coverage in Aurora. The information shown below can help you choose which auto insurance companies to look at when comparing rate quotes. These rankings are only made up of major nationwide insurance companies, so companies that only write business in Colorado or surrounding areas are not factored into the list.
Top 10 Large Auto Insurers in Aurora Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
Top 10 Large Auto Insurers in Aurora Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
Rate comparison of full coverage and liability-only
Paying less for auto insurance is probably important to most people, and one good way to pay lower rates for insurance for a Dodge Ram is to not insure for full coverage. The illustration below shows the difference between car insurance rates when comparing full coverage to liability only. Data assumes a clean driving record, no claims, $1,000 deductibles, single status, and no policy discounts are applied.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs $2,115 per year over and above liability only. That is a significant amount which raises the question if you should buy full coverage at all. There is no exact formula of when to phase out physical damage coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
There are some circumstances where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Cautious drivers save money
The ideal way to get the most affordable auto insurance rates in Colorado for a Ram pickup is to drive cautiously and avoid tickets and accidents. The information below shows how violations and at-fault collisions can affect insurance costs for different age groups. The data is based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of a car insurance policy in Aurora per year with a clean driving record and no accidents is $1,816. Get written up for one speeding ticket and the average cost hikes up to $2,117, an increase of $301 each year. Now throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Dodge Ram increases to an average of $2,947. That’s an increase of $1,131, or $94 per month, just for not driving attentively!
Comparing rates on Ram insurance can save you money
Colorado auto insurance rates are determined by lots of factors that control the policy premium. Simply having another birthday, increasing liability limits, or getting a ticket for running a stop sign can trigger price changes that may make certain companies more affordable than competitors. Not only that, but auto insurance companies change rates at least once a year to reflect underwriting profits or losses. Higher than normal claim frequency or severity may result in high rates, while lower claim levels can produce cheaper Ram insurance rates.
For example, the graph below shows which companies have the cheapest car insurance in Aurora, CO for a 45-year-old female driver with no violations or accidents, and solid credit. Based on her current rating profile, The Hartford may have the lowest car insurance rates in Aurora at $1,089 per year. This is $489 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO are the rest of the best Aurora, CO auto insurance companies.
Let’s now give the driver from the first rate comparison a couple of claims, a lower credit rating, and a traffic ticket or two. Since every insurance provider has a proprietary method for establishing rates, comparing rates could now result in a substantially altered list of the cheapest car insurance companies in Aurora as shown below.
Travelers now has the best car insurance rate in Aurora, CO with State Farm, American Family, Amica, and Progressive now being in the top five. This example illustrates why it is critical to compare as many rates as possible to find the most economical auto insurance quotes for a Dodge Ram. Insurance prices are impacted by many different factors and change frequently, so the most economical company the last time you checked may now be quite expensive.
The insurance agencies below can help you decide which car insurance policy is best, since some drivers have questions and prefer to have a consultation when comparing insurance rates for a Ram pickup. It’s not always easy to find the cheapest rate yourself, and agents can give you satisfaction knowing you have enough coverage when you need it.
To locate an Aurora car insurance agency nearest to you, click the button at the bottom of the list or click here to compare price quotes.
- A Complete Home and Auto Insurance Agency
1080 S Sable Blvd – Aurora, CO 80012 – (303) 344-2886
- American Family Insurance – Rick Laikola Agency Inc.
3102 S Parker Rd Ste A16 – Aurora, CO 80014 – (303) 696-2666
- State Farm: Joel Kruschwitz
9801 E Colfax Ave – Aurora, CO 80010 – (303) 344-1175
- All Drivers Insurance
12142 E Mississippi Ave – Aurora, CO 80012 – (303) 695-1000
- Allstate Insurance: Roger Francis
18757 E Hampden Ave Ste 154 – Aurora, CO 80013 – (303) 792-3460
How to find low-cost car insurance for a Dodge Ram
Here are many thrifty solutions that can help drivers locate lower-cost coverage.
- Just one traffic violation will increase your rates
- Do not get into accidents
- Increase your comprehensive and collision deductibles
- Better credit rating means better rates
- Do not insure for full coverage
- Safer vehicles cost less to insure
- Shop around for cheaper prices often
That final tip is especially critical, as we noted in this piece. Auto insurance rates can be modified anytime, so you should be ready to switch companies if a lower-cost policy is available. Having a favorite company is great, but it’s not recommended if that faithfulness ends up costing you a fortune every year. It only take a few minutes to shop around and find cheaper insurance for a Dodge Ram in Aurora.