There isn’t a single person who likes paying for car insurance, especially when they are aware that they are paying too much.
It’s safe to conclude that auto insurance companies don’t want you shop around. Drivers who shop around for cheaper rates will, in all likelihood, buy a new policy because they have good chances of finding coverage at a more affordable price. A recent car insurance study revealed that drivers who made a habit of comparing rate quotes saved $3,500 over four years compared to drivers who didn’t regularly shop around.
If finding the cheapest price for car insurance in San Antonio is your objective, knowing how to get price quotes and compare coverage rates can make the process more efficient. Due to the large number of choices of insurance companies that have cheaper insurance for a Dodge Ram 2500 in San Antonio, it can be challenging to pick a lower cost company.
It’s a good habit to check car insurance prices every six months because car insurance rates are adjusted regularly by insurance companies. Even if you got the best premium rates on Dodge Ram 2500 insurance in San Antonio a couple years back a different company probably has better prices today. Ignore everything you know about car insurance because you’re going to get a crash course in one of the easiest ways to find lower rates on car insurance.
How to buy Dodge Ram 2500 insurance online
The majority of larger companies give price estimates directly from their websites. Getting Dodge Ram 2500 insurance prices online is quite easy because it’s just a matter of typing in your required coverages as detailed in the form. When complete, their rating system makes automated requests for credit information and your driving record and generates a price based on these factors. This helps simplify price comparisons, and it is important to compare as many rates as possible if you want to find the lowest payment possible.
If you want to find out how much you can save on auto insurance, compare rates from the companies below. If you have coverage now, it’s recommended you replicate the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting rate comparison quotes for the exact same coverage.
The auto insurance companies shown below are our best choices to provide free quotes in Texas. If multiple providers are shown, it’s a good idea that you compare several of them to find the lowest auto insurance rates.
Protect your Ram 2500 and other assets
Despite the high insurance cost for a Dodge Ram 2500 in San Antonio, paying for auto insurance serves a purpose in several ways.
First, most states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your car has a loan, almost all lenders will force you to carry insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Dodge at a significantly higher premium and require you to pay the higher premium.
Third, auto insurance preserves both your vehicle and your assets. Insurance will also pay for medical expenses that are the result of an accident. Liability coverage also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $820 a year so it’s important to compare rates once a year at a minimum to make sure the price is not too high.
Dodge Ram 2500 insurance rate analysis
The rate information displayed below covers a range of policy rates for Dodge Ram 2500 models. Knowing how insurance rates are formulated can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 2500 Crew Cab ST 2WD | $318 | $684 | $452 | $26 | $136 | $1,616 | $135 |
| Ram 2500 Crew Cab SLT 2WD | $318 | $788 | $452 | $26 | $136 | $1,720 | $143 |
| Ram 2500 Mega Cab SLT 2WD | $318 | $788 | $452 | $26 | $136 | $1,720 | $143 |
| Ram 2500 Crew Cab Laramie 2WD | $318 | $788 | $452 | $26 | $136 | $1,720 | $143 |
| Ram 2500 Crew Cab ST 2WD | $318 | $788 | $452 | $26 | $136 | $1,720 | $143 |
| Ram 2500 Mega Cab Laramie 2WD | $318 | $788 | $452 | $26 | $136 | $1,720 | $143 |
| Ram 2500 Crew Cab ST 4WD | $354 | $684 | $452 | $26 | $136 | $1,652 | $138 |
| Ram 2500 Crew Cab SLT 2WD | $354 | $788 | $452 | $26 | $136 | $1,756 | $146 |
| Ram 2500 Mega Cab SLT 2WD | $354 | $788 | $452 | $26 | $136 | $1,756 | $146 |
| Ram 2500 Mega Cab SLT 4WD | $354 | $684 | $452 | $26 | $136 | $1,652 | $138 |
| Ram 2500 Crew Cab SLT 4WD | $354 | $684 | $452 | $26 | $136 | $1,652 | $138 |
| Ram 2500 Crew Cab Laramie 2WD | $354 | $890 | $452 | $26 | $136 | $1,858 | $155 |
| Ram 2500 Mega Cab Laramie 2WD | $354 | $890 | $452 | $26 | $136 | $1,858 | $155 |
| Ram 2500 Crew Cab ST 4WD | $354 | $684 | $452 | $26 | $136 | $1,652 | $138 |
| Ram 2500 Mega Cab Laramie 4WD | $354 | $684 | $452 | $26 | $136 | $1,652 | $138 |
| Ram 2500 Crew Cab Laramie 4WD | $354 | $684 | $452 | $26 | $136 | $1,652 | $138 |
| Ram 2500 Mega Cab SLT 4WD | $390 | $788 | $452 | $26 | $136 | $1,792 | $149 |
| Ram 2500 Crew Cab SLT 4WD | $390 | $788 | $452 | $26 | $136 | $1,792 | $149 |
| Ram 2500 Crew Cab Laramie 4WD | $390 | $788 | $452 | $26 | $136 | $1,792 | $149 |
| Ram 2500 Mega Cab Laramie 4WD | $390 | $788 | $452 | $26 | $136 | $1,792 | $149 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific zip code location which can decrease or increase premium rates considerably.
Bad driving habits will cost you more
The information below highlights how speeding tickets and at-fault collisions can increase Dodge Ram 2500 car insurance costs for different ages of insureds. The premium estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Rate comparison of male drivers versus female drivers
The illustration below shows the comparison of Dodge Ram 2500 premium costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are factored in.
Does full coverage make sense?
The chart below illustrates the comparison of Dodge Ram 2500 car insurance rates with and without physical damage coverage. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no policy discounts are applied.
When to drop comprehensive and collision coverage
There is no set guideline to drop full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Dodge Ram 2500 replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying the physical damage deductible. If premium cost is more than $800 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are a few cases where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Auto insurance policy discounts you can’t miss
Not too many consumers would say auto insurance is affordable, but companies offer discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time you complete a quote, but some must be requested specifically prior to getting the savings.
- Good Grades Discount – Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
- Bundled Policy Discount – When you combine your auto and home insurance with one company you will save nearly 15% which can help you find inexpensive Dodge Ram 2500 insurance in San Antonio.
- Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease depending on your auto insurance provider.
- San Antonio Homeowners Discount – Owning a house in San Antonio can save a few bucks because maintaining a house is proof that your finances are in order.
- ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems are much safer to drive and will save you 10% or more on Ram 2500 insurance in San Antonio.
- E-sign Discounts – Many auto insurance companies may give you up to $50 for buying your policy over the internet.
As a footnote on discounts, some of the credits will not apply to the whole policy. A few only apply to specific coverage prices like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The example below illustrates the difference between Dodge Ram 2500 auto insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-policy, and multi-car discounts applied.
To see a list of insurers who offer auto insurance discounts in Texas, click this link.
Local San Antonio car insurance agents
Many people just want to talk to an insurance agent and that can be a great decision Professional insurance agents can answer important questions and give you someone to call. One of the great benefits of getting free rate quotes online is you can get cheaper prices but also keep your business local. And buying from neighborhood agents is especially important in San Antonio.
Upon completion of this form (opens in new window), your information is instantly submitted to local insurance agents in San Antonio who want to provide quotes for your coverage. You don’t have to leave your house since price quotes are sent to you. If for some reason you want to compare rates from a particular provider, feel free to jump over to their website and give them your coverage information.
What type of San Antonio car insurance agent is right for you?
If you are wanting to purchase auto insurance from a reliable agent, it can be helpful to understand the different types of agents that you can select. San Antonio agents can be described as either independent (non-exclusive) or exclusive. Either can insure your vehicles properly, but it’s worth mentioning how they are different because it can impact which type of agent you select.
Independent Auto Insurance Agents (or Brokers)
Independent agencies are appointed with more than one company so they have the ability to put coverage with multiple insurance companies and find the cheapest auto insurance rates. If premiums increase, your agent can just switch to a different company and you don’t have to find a new agent. If you are comparing rate quotes, it’s recommended you get quotes from independent agents to maximize your price options.
Below is a small list of independent insurance agents in San Antonio who can help you get free rate quotes.
IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870 – View Map
A.R.M. Insurance Agency
1534 W Contour Dr #101 – San Antonio, TX 78212 – (210) 828-7873 – View Map
Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map
Exclusive Agents
Agents that elect to be exclusive can usually just insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot place coverage with different providers so keep that in mind. Exclusive agents are trained well on their company’s products which helps them compete with independent agents.
Shown below are San Antonio exclusive insurance agents willing to provide comparison quotes.
Deserae Navarro – State Farm Insurance Agent
5975 Bandera Rd – San Antonio, TX 78238 – (210) 647-7975 – View Map
Chuck Laubach – State Farm Insurance Agent
14425 Brook Hollow Blvd Suite 101 – San Antonio, TX 78232 – (210) 494-7695 – View Map
Austin Riley – State Farm Insurance Agent
11726 Ste 102A, I-35 – San Antonio, TX 78233 – (210) 514-1120 – View Map
Picking the best insurance agency requires you to look at more than just a cheap quote. These questions are important to ask:
- How often do they review coverages?
- How long have they worked with personal auto insurance coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- How are claims handled?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will a damage claim use OEM or aftermarket replacement parts?
- How are they compensated?
- Has the agent ever had any license suspensions?
Once you have received satisfactory answers to any questions you have as well as an affordable premium quote, most likely you have located an insurance agent that will properly insure your vehicles.
When in doubt talk to an agent
When choosing proper insurance coverage for your vehicles, there really isn’t a one-size-fits-all type of policy. Your situation is unique.
For instance, these questions can help discover if your insurance needs will benefit from professional help.
- Is extra glass coverage worth it?
- How much can I save by bundling my policies?
- How much coverage applies to personal belongings?
- What happens if I owe more than my Dodge Ram 2500 is worth?
- What is the difference between personal and commercial auto insurance policies?
- Can my babysitter drive my car?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.
One last thing about your coverage
Lower-priced Dodge Ram 2500 insurance in San Antonio is possible from both online companies and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer online quoting and these small insurance companies provide coverage only through independent agencies.
Consumers switch companies for a number of reasons such as not issuing a premium refund, high rates after DUI convictions, delays in responding to claim requests and even questionable increases in premium. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
In this article, we covered a lot of ways to find affordable Dodge Ram 2500 insurance in San Antonio. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising.
For more information, feel free to browse the resources below: