Insurance for Dodge RamFinding cheap Dodge Ram insurance in St. Paul may be slightly frustrating for drivers new to online comparison shopping. Since there are so many companies competing online, it can be a lot of work to find the best price in Minnesota on Dodge Ram insurance.

A study showed that almost 70% of drivers in Minnesota kept their policy with the same company for at least four years, and almost half have never taken the time to shop around. With the average car insurance premium being $1,847, American drivers could pocket 47% a year just by comparing rates, but they don't believe the large savings they would see if they replace their high priced policy.

Consumers should take time to get comparison quotes at least once a year because prices change regularly. Just because you had the best quotes on Dodge Ram insurance in St. Paul a couple years back there may be better deals available now. Forget anything you know (or think you know) about car insurance because it's time to teach you the only way to remove unneeded coverages and save money.

Discounts mean cheaper rates for Dodge Ram insurance in St. Paul

Auto insurance is not inexpensive, but you might already qualify for some discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time you complete a quote, but occasionally some discounts must be manually applied prior to getting the savings.Discount auto insurance

Policy discounts save money, but some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, you're out of luck. Any amount of discount will cut the premium cost.

For a list of insurance companies with discount rates in Minnesota, click here.

Just remember that comparing more quotes will increase your chances of finding the best offered rates. Some insurance companies are not set up to provide St. Paul Ram insurance quotes over the internet, so it's necessary to compare prices from them as well.

The following companies are ready to provide free rate quotes in Minnesota. 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.

Dodge Ram Insurance Cost Estimates in St. Paul, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $194 $268 $366 $22 $110 $960 $80
Ram Quad Cab TRX4 Off Road 2WD $252 $380 $370 $22 $110 $1,134 $95
Ram Quad Cab SLT 2WD $176 $284 $344 $20 $104 $928 $77
Ram Crew Cab ST 2WD $238 $426 $406 $24 $122 $1,216 $101
Ram Quad Cab ST 4WD $164 $294 $466 $28 $140 $1,092 $91
Ram Crew Cab SLT 2WD $170 $260 $358 $22 $108 $918 $77
Ram Crew Cab TRX 2WD $134 $220 $344 $20 $104 $822 $69
Ram Quad Cab SLT 4WD $146 $254 $406 $24 $122 $952 $79
Ram Crew Cab ST 4WD $220 $384 $434 $26 $130 $1,194 $100
Ram Crew Cab Sport 2WD $164 $300 $406 $24 $122 $1,016 $85
Ram Quad Cab Sport 2WD $164 $316 $406 $24 $122 $1,032 $86
Ram Quad Cab TRX4 Off Road 4WD $228 $362 $370 $22 $110 $1,092 $91
Ram Crew Cab TRX 4WD $264 $476 $406 $24 $122 $1,292 $108
Ram Crew Cab SLT 4WD $336 $668 $434 $26 $130 $1,594 $133
Ram Quad Cab Laramie 2WD $344 $580 $358 $22 $108 $1,412 $118
Ram Crew Cab Laramie 2WD $164 $300 $376 $22 $112 $974 $81
Ram Crew Cab Sport 4WD $312 $534 $370 $22 $110 $1,348 $112
Ram Quad Cab Sport 4WD $264 $502 $406 $24 $122 $1,318 $110
Ram Crew Cab Laramie 4WD $164 $346 $376 $22 $112 $1,020 $85
Ram Quad Cab Laramie 4WD $344 $668 $358 $22 $108 $1,500 $125
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in vehicle location which can lower or raise auto insurance rates significantly.

Safe drivers pay less for auto insurance

The example below demonstrates how traffic citations and at-fault fender-benders impact Dodge Ram car insurance costs for different age groups. The premiums are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

It's not one size fits all

When it comes to buying the right insurance coverage, there is no "perfect" insurance plan. Every insured's situation is different.Higher deductibles save money

These are some specific questions can aid in determining if you could use an agent's help.

If you're not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Getting quotes from local St. Paul insurance agencies

Some people just want to buy from a local agent and that is OK! An additional benefit of getting online price quotes is that you can find cheap auto insurance quotes and still buy from a local agent. And providing support for local agencies is important especially in St. Paul.

St. Paul insurance agentsTo make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to local insurance agents who will gladly provide quotes for your auto insurance coverage. You won't even need to contact an agency due to the fact that quote results will go directly to you. You'll get the best rates without requiring a lot of work. If you want to get a rate quote from a particular provider, just go to their quote page and complete a quote there.

If you are searching for an insurance agent, you should know the types of insurance agents and how they differ in how they quote coverages. Agencies in St. Paul can be described as either independent or exclusive.

Independent Insurance Agents

Agents that choose to be independent can quote rates with many companies and that enables them to quote your coverage amongst many companies and get you the best rates possible. If you are not satisfied with one company, the agent simply finds a different carrier which is easy for the insured.

When shopping rates, we highly recommend that you compare prices from several independent insurance agents for maximum quote selection. They often place coverage with mutual insurance companies that may provide cheaper auto insurance rates.

Listed below is a small list of independent insurance agencies in St. Paul that may be able to provide pricing information.

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Exclusive Agencies

These agents normally can only provide a single company's rates such as Allstate, Farmers Insurance or State Farm. They generally cannot compare other company's rates so they really need to provide good service. Exclusive agents are very knowledgeable in insurance sales and that can be a competitive advantage. A lot of people use the same exclusive agent mostly because of the prominent brand name and solid financial strength.

Shown below are St. Paul exclusive insurance agencies that can give you price quotes.

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Finding the right insurance agency should include more criteria than just a cheap price quote. Here are some questions you might want to ask.

Upon receiving positive responses and an acceptable price quote, it's a good possibility that you have found an insurance agency that can insure your vehicles. But remember, it's your policy and you can cancel your policy whenever you choose to so don't think that you are permanently stuck with any specific agency for any length of time.

Specifics of your insurance policy

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle's damage.

Since many Minnesota drivers only carry the minimum required liability limits (30/60/10 in Minnesota), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are set the same as your liability limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, EMT expenses, rehabilitation expenses and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, rolling your car, driving through your garage door, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible on your Ram to bring the cost down.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 30/60/10 which means a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and property damage coverage for $10,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as pain and suffering, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford. Minnesota requires drivers to carry at least 30/60/10 but you should think about purchasing higher limits.

Comprehensive protection

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, rock chips in glass and hitting a deer. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Cover all your bases

People who switch companies do it for many reasons like unfair underwriting practices, policy non-renewal, not issuing a premium refund and delays in paying claims. Regardless of your reason, switching insurance companies is easier than you think.

We just covered a lot of ways to compare Dodge Ram insurance premium rates in St. Paul. It's most important to understand that the more quotes you get, the higher your chance of finding inexpensive St. Paul car insurance quotes. You may even find the most savings is with a company that doesn't do a lot of advertising.

Cheaper Dodge Ram insurance in St. Paul can be purchased on the web and also from your neighborhood St. Paul agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

More detailed insurance information can be read at these sites: