Insurance rates Dodge Ram in RochesterLocating better insurance prices for a Dodge Ram in Minnesota can be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to find auto insurance online so you're going to learn the absolute fastest way to get price quotes for a new or used Dodge and obtain the lowest price from both online companies and Rochester agents.

It's astonishing, but a large majority of consumers have remained with the same auto insurance company for well over three years, and just short of a majority have never even compared quotes to find cheap rates. Many drivers in Minnesota could save approximately $1,000 every year just by comparing rates, but they don't believe the actual amount they would save if they bought a different policy.

Consumers need to get comparison quotes quite often because prices trend upward over time. Even if you got the lowest price on Dodge Ram insurance in Rochester a couple years back a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because you're going to get a crash course in the easiest way to find better rates and still maintain coverage.

Free Rochester Dodge Ram insurance rate quotes

All the larger insurance companies allow you to get insurance quotes on their websites. Doing online price comparisons for Dodge Ram insurance in Rochester is possible for anyone as all you need to do is type in your coverage preferences as detailed in the form. When complete, their quoting system gets reports for credit and driving violations and quotes a price based on these and other factors.

The ability to get online rate quotes for Dodge Ram insurance in Rochester simplifies rate comparisons, and it is important to do this if you want to get a better rate.

To compare rates using this form now, compare rates from the companies below. If you have your current policy handy, we recommend that you enter your coverages as shown on your current policy. This guarantees you will have a fair comparison using the exact same coverages.

The auto insurance companies shown below are ready to provide free rate quotes in Minnesota. If more than one company is shown, it's a good idea that you compare several of them to get a more complete price comparison.

Dodge Ram Insurance Rates in Rochester, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $264 $398 $366 $22 $110 $1,160 $97
Ram Quad Cab TRX4 Off Road 2WD $216 $352 $344 $20 $104 $1,036 $86
Ram Quad Cab SLT 2WD $212 $342 $336 $20 $100 $1,010 $84
Ram Crew Cab ST 2WD $216 $352 $344 $20 $104 $1,036 $86
Ram Quad Cab ST 4WD $352 $492 $470 $28 $140 $1,482 $124
Ram Crew Cab SLT 2WD $250 $410 $484 $28 $144 $1,316 $110
Ram Crew Cab TRX 2WD $256 $334 $470 $28 $140 $1,228 $102
Ram Quad Cab SLT 4WD $220 $384 $434 $26 $130 $1,194 $100
Ram Crew Cab ST 4WD $264 $484 $406 $24 $122 $1,300 $108
Ram Crew Cab Sport 2WD $296 $570 $376 $22 $112 $1,376 $115
Ram Quad Cab Sport 2WD $192 $326 $336 $20 $100 $974 $81
Ram Quad Cab TRX4 Off Road 4WD $148 $260 $344 $20 $104 $876 $73
Ram Crew Cab TRX 4WD $380 $714 $484 $28 $144 $1,750 $146
Ram Crew Cab SLT 4WD $330 $656 $466 $28 $140 $1,620 $135
Ram Quad Cab Laramie 2WD $186 $352 $434 $26 $130 $1,128 $94
Ram Crew Cab Laramie 2WD $278 $482 $484 $28 $144 $1,416 $118
Ram Crew Cab Sport 4WD $182 $346 $466 $28 $140 $1,162 $97
Ram Quad Cab Sport 4WD $250 $392 $358 $22 $108 $1,130 $94
Ram Crew Cab Laramie 4WD $268 $568 $344 $20 $104 $1,304 $109
Ram Quad Cab Laramie 4WD $344 $668 $358 $22 $108 $1,500 $125
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can increase or decrease rates greatly.

How much more does full coverage cost?

The example below shows the difference between Dodge Ram insurance prices with and without physical damage coverage. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, married female driver, and no discounts are taken into consideration.

When to switch to liability coverage only

There isn't a steadfast formula that is best for determining when to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's pretend your Dodge Ram replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after you pay the deductible. If you are currently paying more than $200 annually for full coverage, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not financially feasible. If you haven't paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Rate increases following a ticket or accident

The information below shows how speeding tickets and accidents influence Dodge Ram auto insurance rates for different age groups. The rates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

When should I talk to an insurance agency?

Some people just prefer to go talk to an agent and that is just fine! Most agents can help determine the best coverages and help you file claims. One of the great benefits of comparing rates online is that drivers can save money and get cheap auto insurance rates and still have a local agent. Supporting neighborhood insurance agencies is especially important in Rochester.

To make it easy to find an agent, after completing this short form, your coverage information gets sent to agents in your area that give free quotes to get your business. There is no reason to search for any insurance agencies as quotes are delivered to you. In the event you want to compare prices from a specific auto insurance provider, you just need to navigate to their website and fill out their quote form.

Exclusive agents vs. Independent agents

If you prefer to buy auto insurance from a local insurance agency, there are a couple of different types of agents and how they work. Auto insurance agents in Rochester may be either independent or exclusive. Either one can insure your vehicles properly, but it's important to know the difference in how they write coverage because it can factor into your agent selection.

Independent Insurance Agents

Agents of this type do not have single company limitations and that allows them to write policies with multiple insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, your policy is moved internally which makes it simple for you.

When comparing auto insurance prices, it's recommended you include a couple of independent agencies in order to have the best price comparison. A lot of them also have access to companies you've never heard of that can offer cheaper rates than bigger companies.

The following is a short list of independent insurance agents in Rochester that may be able to give pricing information.

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Exclusive Agents

Agents that choose to be exclusive write business for a single company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot give you multiple price quotes so it's a take it or leave it situation. Exclusive agents receive a lot of sales training on what they offer which can be an advantage. Consumers often buy from exclusive agents mostly because of loyalty to the company rather than low rates.

Listed below are Rochester exclusive insurance agents that are able to give price quote information.

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Finding the right auto insurance agent requires more thought than just the premium amount. These are some valid questions you should ask.