It takes a few minutes, but the best way to get affordable Dodge Ram 2500 insurance is to start comparing prices yearly from insurance carriers in Portland. You can compare prices by following these guidelines.
- Take a little time to learn about what is in your policy and the steps you can take to keep rates low. Many factors that result in higher prices like getting speeding tickets and a not-so-good credit history can be improved by being financially responsible and driving safely.
- Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
- Compare the new quotes to your existing coverage to see if a cheaper price is available in Portland. If you find a better price and change companies, make sure there is no lapse in coverage.
- Give notification to your current company of your intention to cancel the current policy and submit the required down payment along with the signed application to your new agent or company. Once coverage is bound, keep the new certificate verifying proof of insurance in an accessible location in your vehicle.
One key aspect of rate comparisons is to use similar coverage information on each quote and and to get price estimates from as many different insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
Smart shoppers know that auto insurance companies don’t want you shop around. People who do rate comparisons will most likely buy a different policy because of the high probability of finding coverage at a cheaper rate. A recent insurance study revealed that drivers who make a habit of shopping around saved over $72 a month as compared to drivers who never shopped around for lower prices.
If finding the lowest price on insurance is the reason you’re here, then learning a little about how to compare insurance rates can save money and time.
If you already have coverage or are just looking to switch companies, you can learn to get lower rates without reducing coverage. This information will teach you how car insurance quotes work and some money-saving tips. Smart shoppers just have to learn the quickest way to buy auto insurance using one simple form.
Score discounts to get cheaper Portland auto insurance rates
Auto insurance is neither fun to buy or cheap, but you might find some hidden discounts that you may not even know about. Some discounts apply automatically at quote time, but some may not be applied and must be asked about prior to getting the savings.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
- Smart Student Discounts – Excelling in school may save you up to 25%. The discount lasts up to age 25.
- Bundle and Save – If you insure your home and vehicles and place coverage with the same company they may give you a discount of nearly 15% which can help you find cheap Ram 2500 insurance.
- Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20% or more.
- Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
- Discount for Life Insurance – Larger insurance carriers have better rates if you take out some life insurance too.
- Fewer Miles Equal More Savings – Low annual miles could earn substantially lower prices.
- ABS Brakes – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
- Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
We need to note that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.
The chart below visualizes the comparison of Dodge Ram 2500 auto insurance rates with and without discounts being applied to the rates. Data assumes a female driver, no claims or driving citations, Oregon state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, multi-policy, safe-driver, and homeowner discounts applied.
Some companies that may offer quotes with these discounts include:
Before you buy a policy, ask every company which discounts you qualify for. Discounts may not be offered in Portland. If you would like to view providers that offer many of these discounts in Oregon, click this link.
Getting a cheaper price on Dodge Ram 2500 insurance is not rocket science. The only requirement is to spend a little time comparing free Portland car insurance quotes to discover which company has low cost Portland car insurance quotes.
The following companies have been selected to offer price quotes in Oregon. If multiple companies are listed, we recommend you get rate quotes from several of them to get the lowest price.
Dodge Ram 2500 insurance rate analysis
The table shown next covers estimates of rate quotes for Dodge Ram 2500 models. Being aware of how auto insurance policy rates are formulated can be valuable when making smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$278||$490||$362||$22||$108||$1,260||$105|
|Ram 2500 Crew Cab SLT 2WD||$278||$564||$362||$22||$108||$1,334||$111|
|Ram 2500 Mega Cab SLT 2WD||$278||$564||$362||$22||$108||$1,334||$111|
|Ram 2500 Crew Cab Laramie 2WD||$278||$564||$362||$22||$108||$1,334||$111|
|Ram 2500 Crew Cab ST 2WD||$278||$564||$362||$22||$108||$1,334||$111|
|Ram 2500 Mega Cab Laramie 2WD||$278||$564||$362||$22||$108||$1,334||$111|
|Ram 2500 Crew Cab ST 4WD||$310||$490||$362||$22||$108||$1,292||$108|
|Ram 2500 Crew Cab SLT 2WD||$310||$564||$362||$22||$108||$1,366||$114|
|Ram 2500 Mega Cab SLT 2WD||$310||$564||$362||$22||$108||$1,366||$114|
|Ram 2500 Mega Cab SLT 4WD||$310||$490||$362||$22||$108||$1,292||$108|
|Ram 2500 Crew Cab SLT 4WD||$310||$490||$362||$22||$108||$1,292||$108|
|Ram 2500 Crew Cab Laramie 2WD||$310||$638||$362||$22||$108||$1,440||$120|
|Ram 2500 Mega Cab Laramie 2WD||$310||$638||$362||$22||$108||$1,440||$120|
|Ram 2500 Crew Cab ST 4WD||$310||$490||$362||$22||$108||$1,292||$108|
|Ram 2500 Mega Cab Laramie 4WD||$310||$490||$362||$22||$108||$1,292||$108|
|Ram 2500 Crew Cab Laramie 4WD||$310||$490||$362||$22||$108||$1,292||$108|
|Ram 2500 Mega Cab SLT 4WD||$342||$564||$362||$22||$108||$1,398||$117|
|Ram 2500 Crew Cab SLT 4WD||$342||$564||$362||$22||$108||$1,398||$117|
|Ram 2500 Crew Cab Laramie 4WD||$342||$564||$362||$22||$108||$1,398||$117|
|Ram 2500 Mega Cab Laramie 4WD||$342||$564||$362||$22||$108||$1,398||$117|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in specific location information which can affect prices greatly.
Males versus Females
The chart below compares Dodge Ram 2500 premium costs for male and female drivers. The data assumes no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single status, and no other discounts are factored in.
Full coverage versus liability-only in Portland
The information below illustrates the difference between Dodge Ram 2500 premium costs when comparing full coverage to state minimum liability only. Data assumes no claims or violations, $1,000 deductibles, marital status is single, and no discounts are factored in.
When to stop paying for full coverage
There is no exact formula that is best for determining when to drop full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s say your Dodge Ram 2500 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying the physical damage deductible. If it’s costing in excess of $200 a year for full coverage, then it may be the right time to buy liability only.
There are a few cases where only buying liability is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Local Portland insurance agencies
A lot of people still like to have an agent’s advice and there is nothing wrong with that. Good insurance agents are trained to spot inefficiencies and help you file claims. One of the benefits of getting free rate quotes online is that you can find lower rates and still buy from a local agent.
By using this short form, your insurance data is transmitted to local insurance agents that provide free Portland car insurance quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies because quoted prices will be sent immediately to you. If you need to get a rate quote from a specific auto insurance provider, just navigate to their website and complete a quote there.
Finding the right company should depend on more than just a cheap price quote. A good agent in Portland will have answers to these questions.
- Can they give you a list of client referrals?
- Do the coverages you’re quoting properly cover your vehicle?
- Do you qualify for any additional discounts?
- Does the quote include credit and driving reports?
- Are they involved in claim handling?
If you’re trying to find a local insurance agency, it can be helpful to understand the different types of agencies and how they can write your policy. Portland agents can be classified as either independent or exclusive depending on the company they work for. Both sell affordable auto insurance policies, but it’s worth learning the subtle differences because it can factor into the selection process.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel work for only one company such as Allstate, State Farm and Farmers Insurance. They usually cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well trained on their company’s products which helps them sell insurance even at higher premiums. A lot of people buy insurance from these agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive insurance agents in Portland that can give you rate quotes.
- Allstate Insurance: Damian Gobel
1511 SE 122nd Ave – Portland, OR 97233 – (503) 255-3490 – View Map
- Bill Northfield – State Farm Insurance Agent
5915 SE 43rd Ave – Portland, OR 97206 – (503) 775-8202 – View Map
- Vu Han – State Farm Insurance Agent
322 NE 82nd Ave – Portland, OR 97220 – (503) 252-1114 – View Map
Independent Auto Insurance Agencies
Independent insurance agents are not limited to a single company and that is an advantage because they can write policies through lots of different companies and find the cheapest auto insurance rates. If premiums increase, the agent simply finds a different carrier and you won’t have to switch agencies.
When comparing auto insurance prices, you should always get insurance quotes from independent agents to have the most options to choose from. Most independent agents also contract with smaller regional carriers who may have lower rates.
Listed below is a short list of independent agencies in Portland who can help you get price quotes.
- Elliott, Powell, Baden and Baker Inc
1521 SW Salmon St – Portland, OR 97205 – (503) 227-1771 – View Map
- Chamberlain Insurance
7831 SE Stark St #102 – Portland, OR 97215 – (503) 256-1448 – View Map
- Wix Insurance Agency
8037 SE Stark St – Portland, OR 97215 – (503) 760-6826 – View Map
After getting positive responses to these questions as well as a affordable price, chances are good that you have found an insurance agent that can service your policy.
What is the best auto insurance company in Oregon?
Selecting a highly-rated insurance provider is difficult considering how many different companies there are to choose from in Oregon. The company information in the lists below could help you select which companies you want to consider when looking for cheaper rates.
Top 10 Portland Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Affordable car insurance rates are out there
The cheapest Dodge Ram 2500 insurance in Portland is definitely available both online and from local agencies, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not offer rates over the internet and many times these smaller providers only sell coverage through independent agents.
People change insurance companies for many reasons like lack of trust in their agent, policy cancellation, policy non-renewal or even denial of a claim. Regardless of your reason, finding the right car insurance provider is not as hard as you think.
You just read a lot of information how to compare Dodge Ram 2500 insurance prices in Portland. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from the smaller companies.
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