Best Insurance for a Dodge Ram in Long Beach

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How many times have you put off comparing quotes for more competitive Dodge Ram insurance in Long Beach? Locating low-cost Long Beach Dodge Ram insurance quotes may be rather difficult for drivers new to buying their auto insurance on the internet. With more and more online companies, how can drivers have the ability to compare every company to locate better rates?

Insurance for Dodge RamStatistics show that most consumers have been with the same company for four years or more, and almost 40% of drivers have never compared rate quotes at all. Long Beach drivers could pocket as much as $469 a year just by shopping around, but they don't invest the time required to shop their coverage around.

You should take the time to check auto insurance prices before your next renewal because auto insurance prices trend upward over time. Just because you had the best rates on Dodge Ram insurance in Long Beach on your last policy there may be better deals available now. There are a lot of ways to save on Ram insurance online but we're going to give you a bunch of ideas how to quit paying high auto insurance rates in Long Beach.

Most major insurance companies such as Allstate and Progressive give prices for coverage directly from their websites. This process doesn't take much effort as you just enter your required coverages on the page. Once entered, the quote system pulls your driving record and credit report and quotes a price determined by many factors.

Quoting online for Dodge Ram insurance in Long Beach simplifies rate comparisons, and it's necessary to have as many quotes as possible in order to find the best auto insurance rates.

To use this form to compare rates, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you copy deductibles and limits identical to your current policy. This ensures you are getting rate quotes based on identical coverages.

The companies shown below provide comparison quotes in California. If you want to find cheaper auto insurance in California, it's highly recommended you get prices from several of them to get the cheapest price.

Dodge Ram insurance discounts in Long Beach

Some providers don't always publicize every discount available very well, so the list below contains both the well known as well as some of the hidden credits available to you.Auto insurance discounts

  • Pay Upfront and Save - If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
  • Theft Prevention System - Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Seat Belts Save - Requiring all passengers to buckle up before driving could save 15% off PIP or medical payments premium.
  • Paper-free Discount - Many auto insurance companies will provide an incentive for buying your policy on the web.
  • Discounts for Government Workers - Having worked for a branch of the government may qualify for a discount when you quote Long Beach auto insurance depending on your auto insurance provider.
  • Resident Student - Any of your kids who are enrolled in a college that is more than 100 miles from Long Beach and won't have access to an insured vehicle can receive lower rates.
  • First Accident Forgiveness - This isn't a discount exactly, but companies like Liberty Mutual, GEICO and Allstate will allow you to have one accident before they charge you more for coverage as long as you don't have any claims prior to the accident.
  • Life Insurance Discount - Select insurance companies reward you with better rates if you take out some life insurance in addition to your auto policy.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. So even though you would think adding up those discounts means a free policy, it doesn't quite work that way. But any discount will positively reduce the premium cost.

The information below illustrates the comparison of Dodge Ram insurance costs with and without policy discounts. The premiums assume a female driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-policy, and multi-car discounts applied.

To locate insurers that offer multiple discounts in California, click here.

Rates and data analysis

The table displayed next covers different coverage costs for Dodge Ram models. Understanding how insurance premiums are established can assist in making smart policy decisions.

Dodge Ram Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $210 $298 $500 $30 $150 $1,188 $99
Ram Quad Cab TRX4 Off Road 2WD $238 $362 $500 $30 $150 $1,280 $107
Ram Quad Cab SLT 2WD $238 $362 $500 $30 $150 $1,280 $107
Ram Crew Cab ST 2WD $238 $362 $500 $30 $150 $1,280 $107
Ram Quad Cab ST 4WD $238 $362 $500 $30 $150 $1,280 $107
Ram Crew Cab SLT 2WD $238 $362 $500 $30 $150 $1,280 $107
Ram Crew Cab TRX 2WD $238 $362 $500 $30 $150 $1,280 $107
Ram Quad Cab SLT 4WD $238 $362 $500 $30 $150 $1,280 $107
Ram Crew Cab ST 4WD $238 $362 $500 $30 $150 $1,280 $107
Ram Crew Cab Sport 2WD $266 $426 $500 $30 $150 $1,372 $114
Ram Quad Cab Sport 2WD $266 $426 $500 $30 $150 $1,372 $114
Ram Quad Cab TRX4 Off Road 4WD $266 $426 $500 $30 $150 $1,372 $114
Ram Crew Cab TRX 4WD $266 $426 $500 $30 $150 $1,372 $114
Ram Crew Cab SLT 4WD $266 $426 $500 $30 $150 $1,372 $114
Ram Quad Cab Laramie 2WD $266 $426 $500 $30 $150 $1,372 $114
Ram Crew Cab Laramie 2WD $266 $426 $500 $30 $150 $1,372 $114
Ram Crew Cab Sport 4WD $266 $426 $500 $30 $150 $1,372 $114
Ram Quad Cab Sport 4WD $266 $426 $500 $30 $150 $1,372 $114
Ram Crew Cab Laramie 4WD $266 $490 $500 $30 $150 $1,436 $120
Ram Quad Cab Laramie 4WD $266 $490 $500 $30 $150 $1,436 $120
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can raise or lower premium rates significantly.

The example below demonstrates how choosing different deductibles and can raise or lower Dodge Ram insurance costs for each age group. The data assumes a married female driver, full physical damage coverage, and no discounts are factored in.

Male drivers compared to female drivers

The illustration below illustrates the difference between Dodge Ram annual premium costs for male and female drivers. The costs are based on no accidents, no driving violations, full coverage, $500 deductibles, single status, and no discounts are taken into consideration.

Full coverage rates vs. liability-only

The diagram below illustrates the difference between Dodge Ram car insurance rates when comparing full coverage to state minimum liability only. Data assumes no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are factored in.

Should you pay for full coverage?

There isn't a written rule of when to phase out full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Dodge Ram settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after paying your policy deductible. If it's costing you more than $500 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Compare prices but work with a neighborhood Long Beach auto insurance agent

Many drivers just want to get professional advice from a licensed agent. The biggest benefit of comparing rate quotes online is that you can obtain the best rates and still buy from a local agent.

By using this quick form, the coverage information is submitted to agents in your area that can provide free Long Beach auto insurance quotes for your insurance coverage. You won't need to contact any insurance agencies since rate quotes are delivered directly to your email. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from a specific company, feel free to jump over to their website to submit a rate quote request.

Finding a good company needs to be determined by more than just a cheap price. Here are some questions to ask:

  • Is the agency covered by Errors and Omissions coverage?
  • Can you contact them at any time?
  • Are they primarily personal or commercial lines agents in Long Beach?
  • Do they have a Better Business Bureau rating in Long Beach?
  • How experienced are they in personal risk management?
  • How would your car be valued if totaled?
  • What kind of financial rating does the company have?
  • Does the agent recommend any additional coverage?

If you want an insurance agent, it's important to understand the types of insurance agents and how they work. Insurance policy providers can be categorized as either exclusive or independent.

Exclusive Insurance Agents

Agents that elect to be exclusive can only place business with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot place coverage with different providers so you might not find the best rates. Exclusive agencies are very knowledgeable on what they offer and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents mostly because of the brand name instead of buying on price only.

The following is a list of exclusive insurance agents in Long Beach who can help you get price quotes.

More Long Beach agents

Independent Agencies or Brokers

Agents in the independent channel do not sell for just one brand and that allows them to write policies with any number of different companies and find the cheapest rate. If they quote lower rates, they simply switch companies in-house and the insured can keep the same agent. When comparing insurance prices, it's recommended you get rate quotes from at least one independent agent for the best price selection. They often place coverage with small mutual carriers which could offer lower prices.

Listed below are independent insurance agencies in Long Beach willing to provide price quote information.

More Long Beach agents

If you feel you receive good responses to all your questions as well as a price you're happy with, it's a good possibility that you have found an insurance agent that meets the criteria to properly insure your vehicles.

Insurance is not optional but you don't have to overpay

Despite the potentially high cost of Dodge Ram insurance, maintaining insurance serves a purpose in several ways.

  • Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability protection in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your Dodge with a loan, most banks will make it a condition of the loan that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender may insure your Dodge for a much higher rate and require you to pay for the much more expensive policy.
  • Insurance safeguards your vehicle and your assets. It will also reimburse you for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying more than $850 per year so it's recommended you shop around at every renewal to ensure rates are inline.

Auto insurance coverage options for a Dodge Ram

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability car insurance

This coverage will cover damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/5 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and $5,000 of coverage for damaged property.

Liability coverage pays for things such as pain and suffering, structural damage, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing higher limits.

The chart below demonstrates why low liability limits may not provide adequate coverage.

Collision insurance

This will pay to fix damage to your Ram from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible on your Ram to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills like doctor visits, dental work and prosthetic devices. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Ram.

Due to the fact that many California drivers carry very low liability coverage limits (15/30/5 in California), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from getting keyed, vandalism and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Long Beach car insurance companies ranked

Selecting the highest-rated insurer is hard considering how many choices there are in Long Beach. The rank data listed below can help you choose which providers to look at buying from.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Top 10 Long Beach Car Insurance Companies by A.M. Best Rank

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

In conclusion

Budget-friendly auto insurance in Long Beach can be sourced online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get quotes online and usually these regional carriers only sell through independent agents.

As you shop your coverage around, don't be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped collision coverage only to regret that it was a big error on their part. The aim is to find the BEST coverage at the best possible price, but do not skimp to save money.

Drivers change insurance companies for many reasons like denial of a claim, delays in responding to claim requests, an unsatisfactory settlement offer or even lack of trust in their agent. Whatever your reason, finding a great new company is not as difficult as it may seem.

Steps to buying cheaper Dodge Ram insurance in Long Beach

The best way to get low-cost auto insurance rates is to start doing a yearly price comparison from companies who sell insurance in Long Beach.

First, take a little time to learn about how auto insurance works and the steps you can take to keep rates down. Many risk factors that cause high rates such as at-fault accidents, careless driving, and your credit history can be rectified by being financially responsible and driving safely.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agents can quote rates for a wide range of companies. Compare rates now

Third, compare the quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate and change companies, ensure coverage does not lapse between policies.

An important part of this process is to make sure you enter the same liability limits and deductibles on each quote request and and to get rates from every company you can. Doing this helps ensure the most accurate price comparison and a complete selection of prices.

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