A study showed that most insurance customers have remained with the same insurance company for a minimum of four years, and practically 40% of insurance customers have never even compared rates from other companies. Jacksonville drivers could save an average of 55% each year by just shopping around, but most just don’t grasp how much money they would save if they switched.
If saving the most money is your goal, then the best way to find more affordable Dodge Ram 3500 insurance is to compare prices once a year from providers that insure vehicles in Jacksonville.
Step 1: Learn about the coverage provided by your policy and the steps you can take to keep rates in check. Many rating criteria that cause high rates like accidents, traffic tickets, and a substandard credit score can be rectified by improving your driving habits or financial responsibility. This article provides instructions to find cheap rates and get discounts that may be overlooked.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of companies.
Step 3: Compare the new rate quotes to your existing policy to see if cheaper Ram 3500 coverage is available in Jacksonville. If you find better rates, make sure there is no coverage gap between policies.
A valuable tip to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on each price quote and and to analyze every insurance company. This ensures a fair price comparison and a complete rate analysis.
Choosing the best insurance company for you in Jacksonville is actually not that difficult if you follow our advice. If you’re already insured or are shopping for new coverage, follow these tips to get lower rates without having to cut coverage. Smart shoppers only need to know the most efficient way to compare rates from multiple carriers.
Best companies for Dodge Ram 3500 insurance
The companies shown below are ready to provide comparison quotes in Florida. If the list has multiple companies, we recommend you visit two to three different companies in order to find the most competitive rates.
Dodge Ram 3500 insurance analysis
The coverage table displayed below showcases a range of policy rates for Dodge Ram 3500 models. Having a good understanding how auto insurance prices are determined can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $388 | $732 | $542 | $32 | $162 | $1,856 | $155 |
| Ram 3500 Crew Cab ST 2WD | $478 | $864 | $542 | $32 | $162 | $2,078 | $173 |
| Ram 3500 Crew Cab ST 4WD | $478 | $994 | $814 | $48 | $244 | $2,578 | $215 |
| Ram 3500 Crew Cab SLT 2WD | $478 | $994 | $542 | $32 | $162 | $2,208 | $184 |
| Ram 3500 Mega Cab SLT 2WD | $478 | $994 | $542 | $32 | $162 | $2,208 | $184 |
| Ram 3500 Mega Cab SLT 4WD | $478 | $1124 | $814 | $48 | $244 | $2,708 | $226 |
| Ram 3500 Crew Cab SLT 4WD | $478 | $1124 | $814 | $48 | $244 | $2,708 | $226 |
| Ram 3500 Crew Cab Laramie 4WD | $478 | $1124 | $814 | $48 | $244 | $2,708 | $226 |
| Ram 3500 Mega Cab Laramie 2WD | $478 | $994 | $542 | $32 | $162 | $2,208 | $184 |
| Ram 3500 Crew Cab Laramie 2WD | $478 | $994 | $542 | $32 | $162 | $2,208 | $184 |
| Ram 3500 Mega Cab Laramie 4WD | $478 | $1124 | $814 | $48 | $244 | $2,708 | $226 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in vehicle location which can influence coverage prices considerably.
Rate comparison for different deductibles
One frequently asked question is how high should the deductibles for physical damage be. The comparisons below can help you visualize the differences in price when you choose different coverage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $406 | $648 | $418 | $24 | $124 | $1,645 | $137 |
| Ram 3500 Crew Cab ST 2WD | $498 | $764 | $418 | $24 | $124 | $1,853 | $154 |
| Ram 3500 Crew Cab ST 4WD | $498 | $880 | $626 | $38 | $188 | $2,255 | $188 |
| Ram 3500 Crew Cab SLT 2WD | $498 | $880 | $418 | $24 | $124 | $1,969 | $164 |
| Ram 3500 Mega Cab SLT 2WD | $498 | $880 | $418 | $24 | $124 | $1,969 | $164 |
| Ram 3500 Mega Cab SLT 4WD | $498 | $994 | $626 | $38 | $188 | $2,369 | $197 |
| Ram 3500 Crew Cab SLT 4WD | $498 | $994 | $626 | $38 | $188 | $2,369 | $197 |
| Ram 3500 Crew Cab Laramie 4WD | $498 | $994 | $626 | $38 | $188 | $2,369 | $197 |
| Ram 3500 Mega Cab Laramie 2WD | $498 | $880 | $418 | $24 | $124 | $1,969 | $164 |
| Ram 3500 Crew Cab Laramie 2WD | $498 | $880 | $418 | $24 | $124 | $1,969 | $164 |
| Ram 3500 Mega Cab Laramie 4WD | $498 | $994 | $626 | $38 | $188 | $2,369 | $197 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $296 | $438 | $418 | $24 | $124 | $1,300 | $108 |
| Ram 3500 Crew Cab ST 2WD | $364 | $516 | $418 | $24 | $124 | $1,446 | $121 |
| Ram 3500 Crew Cab ST 4WD | $364 | $594 | $626 | $38 | $188 | $1,810 | $151 |
| Ram 3500 Crew Cab SLT 2WD | $364 | $594 | $418 | $24 | $124 | $1,524 | $127 |
| Ram 3500 Mega Cab SLT 2WD | $364 | $594 | $418 | $24 | $124 | $1,524 | $127 |
| Ram 3500 Mega Cab SLT 4WD | $364 | $672 | $626 | $38 | $188 | $1,888 | $157 |
| Ram 3500 Crew Cab SLT 4WD | $364 | $672 | $626 | $38 | $188 | $1,888 | $157 |
| Ram 3500 Crew Cab Laramie 4WD | $364 | $672 | $626 | $38 | $188 | $1,888 | $157 |
| Ram 3500 Mega Cab Laramie 2WD | $364 | $594 | $418 | $24 | $124 | $1,524 | $127 |
| Ram 3500 Crew Cab Laramie 2WD | $364 | $594 | $418 | $24 | $124 | $1,524 | $127 |
| Ram 3500 Mega Cab Laramie 4WD | $364 | $672 | $626 | $38 | $188 | $1,888 | $157 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can affect price quotes greatly.
Based on the above data, using a $100 deductible costs roughly $37 more each month or $444 a year than quoting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 11 months between claim filings, you would probably be better off if you decide on a higher deductible.
How accidents and tickets impact rates
The chart below demonstrates how traffic citations and accident claims drive up Dodge Ram 3500 auto insurance costs for different insured age categories. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Dodge Ram 3500 insurance rates by age and gender
The diagram below shows the comparison of Dodge Ram 3500 insurance prices for male and female drivers. Data assumes no violations or claims, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied to the premium.
Get cheaper Dodge Ram 3500 insurance in Jacksonville with discounts
Car insurance is easily one of your largest bills, but you may find discounts to help bring down the price. Many of these discounts will be applied automatically when you purchase, but a few must be asked about prior to receiving the credit.
- Save over 55 – Older drivers could receive a small decrease in premiums.
- Paperwork-free – Certain insurance companies provide a small discount simply for signing on the internet.
- New Vehicle Savings – Insuring a new Ram 3500 can save you some money because newer models are generally safer.
- Good Grades Discount – Excelling in school can earn a discount of 20% or more. The discount lasts up until you turn 25.
- Clubs and Organizations – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
- Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a Jacksonville car insurance quote.
- Driver Training Discounts – Taking part in a class that teaches safe driver techniques could earn you a small percentage discount if you qualify.
It’s important to note that some of the credits will not apply to the whole policy. Most cut specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But any discount will help lower the cost of coverage.
The diagram below illustrates the comparison of Dodge Ram 3500 insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-car, multi-policy, and homeowner discounts applied.
If you would like to view insurers that offer many of these discounts in Jacksonville, click this link.
There’s no such thing as the perfect insurance policy
When it comes to buying insurance from an agent or online for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
For instance, these questions can aid in determining whether or not you might need an agent’s assistance.
- How can I get the company to pay a claim?
- I have health insurance so do I need medical payments coverage?
- Should I have a commercial auto policy?
- How much can I save by bundling my policies?
- Do I have newly-acquired coverage?
- Where can I find DUI or SR-22 insurance?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.
Shop online but buy locally
Many drivers would prefer to buy from a local agent. Licensed agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing rates online is you can get cheap auto insurance quotes and also buy local.
By using this simple form, your insurance data is transmitted to companies in Jacksonville who will gladly provide quotes and help you find cheaper coverage. You won’t even need to find an agent since price quotes are sent straight to your inbox. If you wish to compare rates from a specific company, just find their quoting web page and give them your coverage information.
Choosing the best company needs to be determined by more than just a low price. Ask your prospective agent these questions:
- In the event of vehicle damage, can you pick the collision repair facility?
- What kind of financial rating does the company have?
- Is there any savings for paying the full premium?
- Do they have designations such as AIC, CPCU, or CIC?
- Are they full-time agents?
If you want a reputable insurance agent or broker, it can be helpful to understand the different types of agents from which to choose. Jacksonville agents are considered either independent agents or exclusive agents depending on their employer. Either one can write auto insurance policies, but it is a good idea to know why they differ since it could factor into buying decisions.
Exclusive Agencies
Agents in the exclusive channel can only quote rates from one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies receive extensive training in insurance sales and that can be a competitive advantage. Some consumers prefer to buy from exclusive agents mainly due to the brand legacy and strong financial ratings.
Shown below is a list of exclusive agents in Jacksonville that are able to give rate quotes.
- Homer St Clair – State Farm Insurance Agent
7305 Merrill Rd – Jacksonville, FL 32277 – (904) 743-7422 – View Map - Cam Anderson – State Farm Insurance Agent
4555 San Juan Ave – Jacksonville, FL 32210 – (904) 381-1206 – View Map - Debra Braddock – State Farm Insurance Agent
9310 Old Kings Rd S #1901 – Jacksonville, FL 32257 – (904) 737-0829 – View Map
Independent Auto Insurance Agents
Agents in the independent channel are not locked into one company so they can quote policies with multiple insurance companies enabling the ability to shop coverage around. If premiums increase, they simply switch companies in-house and the insured can keep the same agent. If you are comparing auto insurance prices, we highly recommend that you compare quotes from several independent insurance agents to get the most accurate price comparison. Many independent agencies also insure through additional companies that you may not be familiar with that may have much lower rates than larger companies.
The following is a list of independent agencies in Jacksonville that are able to give price quotes.
- Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map - Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 – View Map - Norris Insurance Agency
10695 Beach Blvd #1 – Jacksonville, FL 32246 – (904) 329-7950 – View Map
Once you have received positive feedback to all your questions as well as offering an affordable quote, you have narrowed it down to a car insurance agent that is reputable and can service your policy. Keep in mind it’s your policy and you can cancel your policy when you choose so don’t assume that you’re stuck with a policy for any length of time.
Car insurance coverage considerations
Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.
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 then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from flooding, hail damage, hitting a bird and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage – This coverage will pay to fix damage to your Ram 3500 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible on your Ram 3500 in order to get cheaper collision rates.
Auto liability – This coverage will cover damages or injuries you inflict on other people or property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 10/20/10 which stand for a $10,000 limit per person for injuries, a total of $20,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability insurance covers claims like funeral expenses, emergency aid, repair costs for stationary objects, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Florida requires minimum liability limits of 10/20/10 but you should consider buying more liability than the minimum.
The next chart demonstrates why the minimum limit may not provide you with enough coverage.
Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for nursing services, prosthetic devices, chiropractic care and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
UM/UIM Coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram 3500.
Because many people only purchase the least amount of liability that is required (10/20/10 in Florida), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Affordable car insurance premiums are possible
While you’re price shopping online, do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice physical damage coverage and learned later that it was a big mistake. Your objective should be to find the BEST coverage at the best price while still protecting your assets.
Some companies do not provide the ability to get a quote online and usually these small, regional companies work with independent agents. The cheapest Dodge Ram 3500 insurance in Jacksonville is possible on the web and from local insurance agents, so compare prices from both to have the best chance of lowering rates.
We covered a lot of ways to lower your Dodge Ram 3500 insurance prices in Jacksonville. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies.
To read more, feel free to visit the articles below:
- Teen Driving Statistics (iihs.org)
- Who Has Cheap Auto Insurance Rates for Used Cars in Jacksonville? (FAQ)
- Who Has Cheap Auto Insurance for a Subaru Impreza in Jacksonville? (FAQ)
- What Car Insurance is Cheapest for High Mileage Drivers in Jacksonville? (FAQ)
- Frontal Crash Tests (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)