Save on Dodge Ram Insurance in Portland

Insurance rates Dodge Ram in PortlandIt’s a known fact that insurance companies don’t want policyholders to compare prices from other companies. People who compare other rates will presumably buy a new policy because there is a great chance of finding lower prices. A survey found that drivers who regularly shopped around saved about $865 annually compared to drivers who never compared prices.

If finding the lowest price on Dodge Ram insurance is your ultimate target, then having some insight into the best way to quote and compare coverages can help make the process easier.

If you want to save the most money, the best way to find discount Dodge Ram insurance in Portland is to do a yearly price comparison from different companies who provide car insurance in Oregon. Rate comparisons can be done by following these steps.

One important bit of advice is to compare similar coverage information on every price quote and and to get rate quotes from as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and maximum price selection.

Cheap companies for Dodge Ram insurance

The car insurance companies shown below are our best choices to provide free quotes in Portland, OR. If you wish to find the cheapest auto insurance in OR, it’s a good idea that you visit two to three different companies to get the best price comparison.

Coverage information

The premium information shown next covers estimates of insurance premium costs for Dodge Ram models. Having knowledge of how auto insurance premiums are established is important for making informed decisions when comparing rate quotes.

Dodge Ram Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $266 $400 $368 $22 $110 $1,166 $97
Ram Quad Cab TRX4 Off Road 2WD $302 $486 $368 $22 $110 $1,288 $107
Ram Quad Cab SLT 2WD $302 $486 $368 $22 $110 $1,288 $107
Ram Crew Cab ST 2WD $302 $486 $368 $22 $110 $1,288 $107
Ram Quad Cab ST 4WD $302 $486 $368 $22 $110 $1,288 $107
Ram Crew Cab SLT 2WD $302 $486 $368 $22 $110 $1,288 $107
Ram Crew Cab TRX 2WD $302 $486 $368 $22 $110 $1,288 $107
Ram Quad Cab SLT 4WD $302 $486 $368 $22 $110 $1,288 $107
Ram Crew Cab ST 4WD $302 $486 $368 $22 $110 $1,288 $107
Ram Crew Cab Sport 2WD $336 $574 $368 $22 $110 $1,410 $118
Ram Quad Cab Sport 2WD $336 $574 $368 $22 $110 $1,410 $118
Ram Quad Cab TRX4 Off Road 4WD $336 $574 $368 $22 $110 $1,410 $118
Ram Crew Cab TRX 4WD $336 $574 $368 $22 $110 $1,410 $118
Ram Crew Cab SLT 4WD $336 $574 $368 $22 $110 $1,410 $118
Ram Quad Cab Laramie 2WD $336 $574 $368 $22 $110 $1,410 $118
Ram Crew Cab Laramie 2WD $336 $574 $368 $22 $110 $1,410 $118
Ram Crew Cab Sport 4WD $336 $574 $368 $22 $110 $1,410 $118
Ram Quad Cab Sport 4WD $336 $574 $368 $22 $110 $1,410 $118
Ram Crew Cab Laramie 4WD $336 $660 $368 $22 $110 $1,496 $125
Ram Quad Cab Laramie 4WD $336 $660 $368 $22 $110 $1,496 $125
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific zip code location which can lower or raise premium rates greatly.

Full coverage rates vs. liability-only in Portland

The example below illustrates the difference between Dodge Ram car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Oregon. The premiums are based on no claims or violations, $500 deductibles, single marital status, and no discounts are factored in.

Deciding between full coverage and liability only

There isn’t a steadfast formula to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Dodge Ram claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after the policy deductible has been paid. If you are paying in excess of $500 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few situations where dropping full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

You Can Change Your Insurance Costs

Many factors are taken into consideration when quoting car insurance. Most are fairly basic like your driving record, although some other factors are not quite as obvious such as your marital status or how financially stable you are. An important part of buying insurance is that you know the factors that go into determining the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower rates.

Auto insurance discounts help lower rates for Dodge Ram insurance in Portland

Auto insurance is not an enjoyable expense, but there’s a good chance there are discounts that you may not know about. Many discounts should be triggered when you quote, but lesser-known reductions have to be asked about prior to receiving the credit.Save money with discounts

One last thing about discounts, some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

The example below visualizes the comparison of Dodge Ram yearly insurance costs with and without policy discounts. The information is based on a female driver, no violations or accidents, Oregon state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-policy, multi-car, and marriage discounts applied.

To view auto insurance companies that offer many of these discounts in Portland, follow this link.

Comparing prices from local Portland insurance agencies

Many people would rather buy from a licensed agent and there is nothing wrong with that. One of the benefits of comparing rates online is that you can obtain the lowest rates and still have an agent to talk to. And supporting local insurance agents is still important in Portland.

Find insurance agent in PortlandTo help locate an agent, after submitting this form (opens in new window), your insurance data is immediately sent to participating agents in Portland who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house because prices are sent straight to your inbox. You can most likely find cheaper rates without having to waste a lot of time. If you need to get a price quote from one company in particular, you can always navigate to their website and submit a quote form there.

Two types of auto insurance agents

When narrowing the list to find a reputable insurance agent or broker, you should know the types of insurance agents and how they are slightly different. Agents in Portland can be classified as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Independent agents are appointed with more than one company and that is an advantage because they can write policies with any number of different companies enabling the ability to shop coverage around. If they find a cheaper price, they simply move your policy to a different company and you stay with the same agent.

If you are comparing insurance prices, you absolutely need to get some free quotes from a couple of independent agencies to maximize your price options.

Shown below is a small list of independent insurance agents in Portland that may be able to give you free insurance quotes.

1819 SW 5th AvePortland, OR 97201(503) 277-2300View Map

425 NE Hancock StPortland, OR 97212(503) 542-1130View Map

8309 SW 22nd AvePortland, OR 97219(503) 292-0075View Map

More Portland agents

Exclusive Insurance Agents

Agents of this type can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. Exclusive agents receive extensive training in insurance sales and that can be a competitive advantage.

Below are Portland exclusive agencies that are able to give comparison quotes.

11916 SE Division StPortland, OR 97266(503) 761-1444View Map

8845 SW Cascade Ave Suite 110Beaverton, OR 97008(503) 924-3320View Map

7850 SW Barbur BlvdPortland, OR 97219(503) 246-7753View Map

More Portland agents

Deciding on an auto insurance agent should depend on more than just a cheap price quote. Any good agent in Portland should know the answers to these questions.

Portland car insurance company ratings

Selecting the right insurer can be challenging considering how many choices there are in Portland. The company information shown below can help you choose which auto insurance companies to look at shopping prices with.

Top 10 Portland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Portland Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Mercury Insurance
  9. Nationwide
  10. Safeco

More quotes mean more car insurance savings

Cheap Dodge Ram insurance in Portland can be found online and from local insurance agents, and you should compare rates from both to get a complete price analysis. A few companies may not provide price quotes online and usually these small insurance companies only sell through independent insurance agencies.

We covered quite a bit of information on how to get a better price on Dodge Ram insurance in Portland. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the biggest savings come from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

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