Discount Dodge Ram insuranceWant to know an easy way to compare low-cost insurance rates in Fort Wayne, IN? Fort Wayne drivers have lots of choices when trying to find the best price on Dodge Ram insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to compare rates. There is a better way to buy insurance and you need to know the best way to quote coverages on a Dodge and locate the lowest price from Fort Wayne insurance agents and online providers.

Unfortunately, most consumers renewed their policy with the same company for four years or more, and just under half have never shopped around. Fort Wayne drivers could save about 55% every year just by shopping around, but most just don't grasp the amount of savings they would get if they switched to a more affordable policy.

Locating the best rates in Fort Wayne is easy if you know what you're doing. If you already have coverage, you stand a good chance to be able to lower your rates using these methods. Consumers just have to know the most efficient way to quote multiple rates from multiple carriers.

Companies offering Dodge Ram insurance in Fort Wayne

The companies in the list below can provide comparison quotes in Indiana. If multiple companies are listed, we suggest you visit as many as you can to get the best price comparison.

Dodge Ram Insurance Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $188 $304 $304 $18 $92 $906 $76
Ram Quad Cab TRX4 Off Road 2WD $272 $450 $428 $26 $128 $1,304 $109
Ram Quad Cab SLT 2WD $172 $304 $358 $22 $108 $964 $80
Ram Crew Cab ST 2WD $138 $212 $326 $20 $98 $794 $66
Ram Quad Cab ST 4WD $130 $226 $334 $20 $100 $810 $68
Ram Crew Cab SLT 2WD $220 $362 $428 $26 $128 $1,164 $97
Ram Crew Cab TRX 2WD $262 $494 $412 $24 $124 $1,316 $110
Ram Quad Cab SLT 4WD $268 $502 $384 $22 $114 $1,290 $108
Ram Crew Cab ST 4WD $302 $536 $428 $26 $128 $1,420 $118
Ram Crew Cab Sport 2WD $264 $422 $324 $20 $96 $1,126 $94
Ram Quad Cab Sport 2WD $144 $266 $358 $22 $108 $898 $75
Ram Quad Cab TRX4 Off Road 4WD $276 $472 $326 $20 $98 $1,192 $99
Ram Crew Cab TRX 4WD $216 $340 $324 $20 $96 $996 $83
Ram Crew Cab SLT 4WD $210 $358 $298 $18 $90 $974 $81
Ram Quad Cab Laramie 2WD $276 $472 $326 $20 $98 $1,192 $99
Ram Crew Cab Laramie 2WD $190 $358 $358 $22 $108 $1,036 $86
Ram Crew Cab Sport 4WD $338 $632 $428 $26 $128 $1,552 $129
Ram Quad Cab Sport 4WD $144 $266 $358 $22 $108 $898 $75
Ram Crew Cab Laramie 4WD $172 $340 $304 $18 $92 $926 $77
Ram Quad Cab Laramie 4WD $262 $580 $334 $20 $100 $1,296 $108
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific Fort Wayne garaging location which can increase or decrease prices considerably.

Car insurance deductibles

The example below shows how different deductible levels and can increase or decrease Dodge Ram insurance rates for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Premiums by gender and age

The chart below compares Dodge Ram auto insurance costs for male and female drivers. The premiums are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

These discounts can lower your auto insurance rates

Some insurers don't always advertise every disount available very well, so we took the time to find some of the best known and also the lesser-known credits available to you.

One last thing about discounts, some credits don't apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like it's possible to get free car insurance, insurance companies wouldn't stay in business.

A few of the larger companies and a selection of discounts can be found below.

Before purchasing a policy, check with every insurance company which discounts they offer. Some discounts may not be offered in Fort Wayne. If you would like to view auto insurance companies with significant discounts in Fort Wayne, click here.

Local neighborhood insurance agents

Many people would prefer to buy from a licensed agent and that is a smart decision Good insurance agents can help determine the best coverages and help file insurance claims. An additional benefit of comparing insurance prices online is you can get cheap rate quotes and still buy from a local agent.

Insurance agency in Fort WayneTo help locate an agent, after submitting this short form, your coverage information is submitted to companies in Fort Wayne who will give you bids for your coverage. It's much easier because you don't need to leave your computer since price quotes are sent to you directly. If you want to quote rates from a specific car insurance provider, just find their quoting web page and fill out their quote form.

Selecting an provider requires more thought than just the quoted price. Any agent in Fort Wayne should be forthright in answering these questions:

If you prefer to buy car insurance from a good Fort Wayne insurance agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Fort Wayne can be classified as either exclusive or independent agents depending on their company appointments. Either one can sell and service car insurance coverage, but it's a good idea to understand the difference in how they write coverage since it can impact the type of agent you choose.

Exclusive Agencies

Agents that elect to be exclusive can only write with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to compare rates from other companies so you need to shop around if the rates are high. They are well schooled on their company's products and that allows them to sell at a higher price point. Some consumers prefer to use the same agent partially due to the brand legacy and solid financial strength.

Below is a list of exclusive agents in Fort Wayne that are able to give price quote information.

More insurance agents

Independent Agents

These agents are not required to write business for one company so they can insure your vehicles with a variety of different insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move your policy to a different company which is easy for the insured. If you need cheaper car insurance rates, we recommend you contact multiple independent agents in order to compare the most rates. Many independent agencies also insure through smaller companies which could offer lower prices.

Shown below is a short list of independent insurance agents in Fort Wayne willing to provide comparison quotes.

More insurance agents

Don't give up on affordable coverage

A few companies do not offer the ability to get quotes online and usually these smaller companies sell through independent agents. Budget-conscious Dodge Ram insurance can be bought both online as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates.

When trying to cut insurance costs, it's not a good idea to buy less coverage just to save a little money. In many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

People who switch companies do it for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, being labeled a high risk driver or even high rates after DUI convictions. It doesn't matter why you want to switch finding a great new company can be less work than you think.

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