How Much is Auto Insurance for a Dodge Ram in Lincoln?

Buying the cheapest insurance for a Dodge Ram can be really easy, but it relies on many factors such as how old the vehicle is, your credit score, and any driving offenses on your record. Drivers in Nebraska pay approximately $1,523 each year to insure their Ram, but that is an estimate using a 30-year-old single female driver with full physical damage coverage and $100 deductibles.

There’s a good chance you aren’t exactly 30 years old or even a female, married instead of single, or maybe you don’t qualify for the same discounts. Just a very minor change in rating criteria can result in a large change in the policy rate.

Auto insurance is unique to each driver, so the only way to find the cheapest insurance price for your Dodge is to compare as many rates as possible. It takes less than five minutes and you will be able to see rates from some of the best companies around.

Cheapest Dodge Ram Insurance Rates

Your vehicle’s trim level has an effect on the annual cost of coverage, so the rate you will pay to insure a Ram Quad Cab ST 2WD model will cost $382 less than the cost to insure the more well-appointed Ram Quad Cab Laramie 4WD model, as shown by the rates below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in your specific Lincoln location which can raise or lower rates considerably.

What is the best auto insurance company in Nebraska?

Picking the best auto insurance company is hard considering how many choices you have in Lincoln. The ranking information listed below may help you choose which insurers you want to consider when comparing insurance rates for a Dodge Ram. These rankings are for companies that insure vehicles across America, so companies with more of a regional focus are not included in this list.

Top 10 Large Auto Insurers in Lincoln Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Top 10 Large Auto Insurers in Lincoln Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Types of discounts on Lincoln car insurance rates

Insurers that offer cheap quotes for a Dodge Ram may also give you discounts that may potentially lower prices by as much as 35% if you qualify for them. The best auto insurance companies and a selection of discounts can be found below.

• State Farm policyholders can earn discounts including passive restraint, good driver, Drive Safe & Save, Steer Clear safe driver discount, accident-free, and defensive driving training.
• American Family offers discounts for good student, bundled insurance, TimeAway discount, defensive driver, multi-vehicle, and Steer into Savings.
• AAA may include discounts for good driver, pay-in-full, multi-car, education and occupation, and anti-theft.
• GEICO offers premium reductions for defensive driver, anti-theft, multi-policy, good student, multi-vehicle, and military active duty.
• Mercury Insurance offers discounts including anti-theft, type of vehicle, professional/association, good student, good driver, annual mileage, and multi-car.
• Farmers Insurance may have discounts that include bundle discounts, electronic funds transfer, early shopping, business and professional, distant student, multi-car, and good student.
• Progressive discounts include multi-policy, homeowner, online signing, multi-vehicle, continuous coverage, online quote discount, and good student.

The example below illustrates the difference between insurance costs with and without discounts applied. The rates are based on a male driver, no violations or claims, Nebraska state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, marriage, accident-free, claim-free, vehicle safety, and defensive driving course discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Dodge Ram is 28% or $606.

Should you buy full coverage?

Buying cheaper auto insurance is probably important to the majority of drivers, and one easy way to pay lower rates for insurance for a Dodge Ram is to buy liability only. The example below shows the difference between auto insurance costs with full coverage and liability only. The information is based on a clean driving record, no claims, $100 deductibles, single marital status, and no policy discounts are applied.

If averaged for all ages, physical damage coverage costs $2,191 per year more than just buying liability insurance. That is a large expense which might make you wonder when is it a good idea to stop buying full coverage. There isn’t a steadfast formula to stop paying for full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

Tips to find more affordable insurance for a Dodge Ram

It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help you get cheaper coverage.

• Avoid price increases by not filing claims
• Do not get tickets
• Higher physical damage deductibles lower rates
• Accident-free drivers may qualify for discounts
• Buying car and homeowners insurance together can save money
• Drivers with good credit often pay less
• Check for cheaper rates once a year

That last tip is highly valuable, as we hit on in this write-up. Insurance rates can change significantly in a year, so don’t be hesitant to buy a policy from a new company if a lower price can be found. Having a favorite company is great, but is isn’t recommended if that stubbornness costs you hundreds every year. It only take a few minutes to shop around to find cheaper car insurance for a Dodge Ram in Lincoln.

If you aren’t sure which coverage to buy and prefer to have some professional guidance when shopping for the best coverage for a Dodge Ram, the agencies below are a good start to answer your questions and help you decide which policy is best. To find an agent closest to you, click the link after the list or click here to compare rates now.

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