Compare Dodge Ram Insurance Rates in Oakland

Discount Dodge Ram insuranceThe recommended way to find the cheapest price for car insurance rates in Oakland is to annually compare prices from companies in California. You can shop around by following these guidelines.

First, read and learn about car insurance and the factors you can control to prevent rate increases. Many factors that are responsible for high rates such as getting speeding tickets and a bad credit rating can be controlled by making minor driving habit or lifestyle changes.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO and State Farm, while independent agencies can quote prices from multiple companies. View prices

Third, compare the quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and decide to switch, make sure coverage does not lapse between policies.

Fourth, provide notification to your current company of your decision to cancel your current policy and submit the completed application along with a down payment for the new coverage. Once the paperwork is finalized, store the certificate verifying coverage in an easily accessible location in your vehicle.

An important bit of advice to remember is to make sure you’re comparing the same level of coverage on every quote request and to quote with every company you can. This guarantees an apples-to-apples comparison and a better comparison of the market.

It’s astonishing, but the vast majority of insurance customers have stayed with the same insurance company for at least four years, and nearly 40% of drivers have never quoted insurance rates at all. With the average premium in California being $1,387, drivers could cut their rates by $470 a year just by getting comparison quotes, but most just don’t grasp the big savings they would realize if they switch to a new company.

Insurance rate breakdown

The coverage information below covers a range of insurance premium costs for Dodge Ram models. Having a good grasp of how policy premiums are formulated can be of help when making decisions when choosing a new policy provider.

Dodge Ram Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $192 $274 $514 $30 $154 $1,164 $97
Ram Quad Cab TRX4 Off Road 2WD $216 $332 $514 $30 $154 $1,246 $104
Ram Quad Cab SLT 2WD $216 $332 $514 $30 $154 $1,246 $104
Ram Crew Cab ST 2WD $216 $332 $514 $30 $154 $1,246 $104
Ram Quad Cab ST 4WD $216 $332 $514 $30 $154 $1,246 $104
Ram Crew Cab SLT 2WD $216 $332 $514 $30 $154 $1,246 $104
Ram Crew Cab TRX 2WD $216 $332 $514 $30 $154 $1,246 $104
Ram Quad Cab SLT 4WD $216 $332 $514 $30 $154 $1,246 $104
Ram Crew Cab ST 4WD $216 $332 $514 $30 $154 $1,246 $104
Ram Crew Cab Sport 2WD $242 $392 $514 $30 $154 $1,332 $111
Ram Quad Cab Sport 2WD $242 $392 $514 $30 $154 $1,332 $111
Ram Quad Cab TRX4 Off Road 4WD $242 $392 $514 $30 $154 $1,332 $111
Ram Crew Cab TRX 4WD $242 $392 $514 $30 $154 $1,332 $111
Ram Crew Cab SLT 4WD $242 $392 $514 $30 $154 $1,332 $111
Ram Quad Cab Laramie 2WD $242 $392 $514 $30 $154 $1,332 $111
Ram Crew Cab Laramie 2WD $242 $392 $514 $30 $154 $1,332 $111
Ram Crew Cab Sport 4WD $242 $392 $514 $30 $154 $1,332 $111
Ram Quad Cab Sport 4WD $242 $392 $514 $30 $154 $1,332 $111
Ram Crew Cab Laramie 4WD $242 $452 $514 $30 $154 $1,392 $116
Ram Quad Cab Laramie 4WD $242 $452 $514 $30 $154 $1,392 $116
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in specific location information which can influence price quotes substantially.

How to Lower Your Insurance Premiums

It’s important that you understand some of the elements that aid in calculating the price you pay for insurance. When you know what positively or negatively influences your rates, this allows you to make good choices that may result in lower insurance prices.

The items below are most of the major factors used by companies to determine rates.

Don’t give up on affordable premiums

You just learned a lot of tips how to find lower-cost Dodge Ram insurance in Oakland. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates come from a small mutual company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

Cheap Dodge Ram insurance in Oakland can be bought both online and from local agencies, so get free Oakland car insurance quotes from both of them to have the best chance of lowering rates. A few companies may not have online rate quotes and these small, regional companies only sell coverage through independent agents.

More detailed insurance information can be found in the articles below: