The recommended way to get low-cost car insurance rates in Oakland is to start comparing prices regularly from insurance carriers in California. Rates can be compared by following these guidelines.
First, take a few minutes and learn about how your policy works and the measures you can take to prevent high rates. Many things that result in higher rates such as traffic tickets, fender benders, and a not-so-good credit score can be rectified by being financially responsible and driving safely.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple sources. Compare rates
Third, compare the quotes to your existing policy and see if you can save money. If you can save some money and change companies, verify that coverage does not lapse between policies.
A good piece of advice is to try to use the same deductibles and limits on every quote request and and to get price estimates from as many different companies as possible. Doing this enables the most accurate price comparison and the best rate selection.
It's an obvious assumption that insurance companies don't want you shop around. Consumers who shop around at least once a year will most likely buy a different policy because there is a great chance of finding good coverage at a lower price. A study showed that people who compared rate quotes regularly saved an average of $865 a year compared to other drivers who didn't regularly shop around.
If finding the cheapest price for Dodge Ram 2500 insurance is the reason for your visit, then having some knowledge of the best way to compare car insurance can save money and time.
If you have insurance now, you stand a good chance to be able to get lower rates using the ideas presented in this article. Locating the most cost-effective insurance policy in Oakland is much easier if you have a good place to start. Nevertheless, California vehicle owners should learn how the larger insurance companies determine prices because rates fluctuate considerably.
When price shopping your coverage, obtaining a wide range of quotes increases your odds of finding more affordable insurance. Some insurance companies are not set up to provide online Oakland Ram 2500 insurance quotes, so you also need to get rates on coverage from those companies, too.
The auto insurance companies shown below offer price quotes in California. To get the cheapest car insurance in Oakland, we suggest you get price quotes from several of them to find the lowest auto insurance rates.
Dodge Ram 2500 insurance analysis
The rate information shown below outlines different prices for Dodge Ram 2500 models. Having a good grasp of how auto insurance prices are calculated can be valuable when making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$230||$418||$510||$30||$152||$1,340||$112|
|Ram 2500 Crew Cab SLT 2WD||$230||$482||$510||$30||$152||$1,404||$117|
|Ram 2500 Mega Cab SLT 2WD||$230||$482||$510||$30||$152||$1,404||$117|
|Ram 2500 Crew Cab Laramie 2WD||$230||$482||$510||$30||$152||$1,404||$117|
|Ram 2500 Crew Cab ST 2WD||$230||$482||$510||$30||$152||$1,404||$117|
|Ram 2500 Mega Cab Laramie 2WD||$230||$482||$510||$30||$152||$1,404||$117|
|Ram 2500 Crew Cab ST 4WD||$258||$418||$510||$30||$152||$1,368||$114|
|Ram 2500 Crew Cab SLT 2WD||$258||$482||$510||$30||$152||$1,432||$119|
|Ram 2500 Mega Cab SLT 2WD||$258||$482||$510||$30||$152||$1,432||$119|
|Ram 2500 Mega Cab SLT 4WD||$258||$418||$510||$30||$152||$1,368||$114|
|Ram 2500 Crew Cab SLT 4WD||$258||$418||$510||$30||$152||$1,368||$114|
|Ram 2500 Crew Cab Laramie 2WD||$258||$544||$510||$30||$152||$1,494||$125|
|Ram 2500 Mega Cab Laramie 2WD||$258||$544||$510||$30||$152||$1,494||$125|
|Ram 2500 Crew Cab ST 4WD||$258||$418||$510||$30||$152||$1,368||$114|
|Ram 2500 Mega Cab Laramie 4WD||$258||$418||$510||$30||$152||$1,368||$114|
|Ram 2500 Crew Cab Laramie 4WD||$258||$418||$510||$30||$152||$1,368||$114|
|Ram 2500 Mega Cab SLT 4WD||$284||$482||$510||$30||$152||$1,458||$122|
|Ram 2500 Crew Cab SLT 4WD||$284||$482||$510||$30||$152||$1,458||$122|
|Ram 2500 Crew Cab Laramie 4WD||$284||$482||$510||$30||$152||$1,458||$122|
|Ram 2500 Mega Cab Laramie 4WD||$284||$482||$510||$30||$152||$1,458||$122|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in garaging location in Oakland which can impact insurance rates significantly.
The diagram below illustrates how choosing a deductible and can affect Dodge Ram 2500 yearly insurance costs for different age groups. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
It's not one size fits all
When it comes to a policy for your personal vehicles, there really is not a single plan that fits everyone. Your financial needs are unique so this has to be addressed. Here are some questions about coverages that can help discover whether you might need an agent's assistance.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Why is insurance for a teen driver so high in Oakland?
- Do I need special endorsements for business use of my vehicle?
- What policy terms are available?
- How much underlying liability do I need for an umbrella policy?
- Are my friends covered when driving my car?
- How much will a speeding ticket raise my rates?
If you can't answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.
Getting quotes from local Oakland insurance agents
Many people still like to have an agent's advice and that is recommended in a lot of cases One of the benefits of getting online price quotes is the fact that you can find cheaper rates and also buy local. Buying from local insurance agents is important especially in Oakland.
Once you complete this simple form, your insurance coverage information is instantly submitted to local insurance agents that give free quotes for your insurance coverage. There is no reason to leave your computer because prices are sent instantly to you. You can find the lowest rates without having to waste a lot of time. If you need to compare prices from a specific insurance company, feel free to search and find their rate quote page and fill out their quote form.
When finding a local Oakland insurance agency, you must know there are a couple types of agencies and how they can service your needs differently. Agents in Oakland can be described as either independent agents or exclusive agents.
Independent Car Insurance Agencies or Brokers
Agents that elect to be independent are not locked into one company so they can insure your vehicles through lots of different companies and find you cheaper rates. If they quote lower rates, they simply switch companies in-house and you don't have to switch agencies.
If you are trying to find cheaper rates, you will definitely want to include a few independent agents to get the most accurate price comparison.
Below is a short list of independent insurance agencies in Oakland who may provide price quote information.
Links Insurance Services
1155 3rd St # 220 - Oakland, CA 94607 - (925) 361-5185 - View Map
Greater Metrowest Insurance Agency
Oakland, CA 94612 - Oakland, CA 94612 - (510) 444-1404 - View Map
Exclusive Car Insurance Agencies
Exclusive agencies are contracted to one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive agents are trained well on their company's products and that enables them to sell even at higher rates.
The following is a list of exclusive agencies in Oakland willing to provide price quote information.
Finding the right insurance agency should include more criteria than just a cheap quote. A good agent in Oakland will have answers to these questions.
- What are their preferred companies if they are an independent agency?
- What insurance company do they write the most business with?
- Does the company allow you to choose your own collision repair facility?
- Does the agency have a positive business rating?
- Is the quote a firm price?
- Are you getting all the discounts the company offers?
- When do they do policy reviews?