Insurance rates Dodge Ram in San JoseBuying low-cost San Jose Dodge Ram insurance quotes may seem to be overwhelming for drivers who are beginners to quoting and comparing and buying auto insurance on the internet. With such a big selection of agents and insurers to choose from, how can you have a chance to compare all the different companies and get better rates?

Remarkably, a study showed that almost 70% of insureds renewed their policy with the same company for well over three years, and almost 40% of drivers have never shopped around. California consumers can cut their rates by almost 35% a year just by shopping around, but they underestimate the amount of savings they would get if they just switched companies.

It's important to compare premium rates before your policy renews because auto insurance prices change quite often. Even if you think you had the best price on Dodge Ram insurance in San Jose at your last renewal there may be better deals available now. Forget all the misinformation about auto insurance because you're about to learn the fastest and easiest way to find great coverage at a great price.

Best companies for low-cost Dodge Ram insurance in California

The companies in the list below have been selected to offer comparison quotes in California. In order to find the best cheap car insurance in California, it's a good idea that you visit several of them to get the best price comparison.

Dodge Ram Insurance Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $380 $564 $500 $30 $150 $1,624 $135
Ram Quad Cab TRX4 Off Road 2WD $430 $686 $500 $30 $150 $1,796 $150
Ram Quad Cab SLT 2WD $300 $490 $480 $28 $144 $1,442 $120
Ram Crew Cab ST 2WD $334 $584 $480 $28 $144 $1,570 $131
Ram Quad Cab ST 4WD $204 $372 $564 $34 $168 $1,342 $112
Ram Crew Cab SLT 2WD $286 $426 $514 $30 $154 $1,410 $118
Ram Crew Cab TRX 2WD $306 $534 $604 $36 $180 $1,660 $138
Ram Quad Cab SLT 4WD $370 $650 $650 $38 $194 $1,902 $159
Ram Crew Cab ST 4WD $216 $332 $514 $30 $154 $1,246 $104
Ram Crew Cab Sport 2WD $412 $792 $524 $32 $156 $1,916 $160
Ram Quad Cab Sport 2WD $370 $698 $564 $34 $168 $1,834 $153
Ram Quad Cab TRX4 Off Road 4WD $254 $482 $650 $38 $194 $1,618 $135
Ram Crew Cab TRX 4WD $490 $678 $654 $38 $196 $2,056 $171
Ram Crew Cab SLT 4WD $420 $780 $604 $36 $180 $2,020 $168
Ram Quad Cab Laramie 2WD $370 $698 $564 $34 $168 $1,834 $153
Ram Crew Cab Laramie 2WD $330 $562 $470 $28 $140 $1,530 $128
Ram Crew Cab Sport 4WD $412 $834 $564 $34 $168 $2,012 $168
Ram Quad Cab Sport 4WD $370 $664 $564 $34 $168 $1,800 $150
Ram Crew Cab Laramie 4WD $546 $932 $654 $38 $196 $2,366 $197
Ram Quad Cab Laramie 4WD $228 $506 $564 $34 $168 $1,500 $125
Get Your Own Custom Quote Go

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can revise premium rates substantially.

Drive responsibly or pay higher rates

The chart below illustrates how traffic citations and accident claims can raise Dodge Ram car insurance costs for different insured age categories. The premiums are based on a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Cheap San Jose car insurance rates with discounts

Some insurance providers do not list every discount they offer in an easy-to-find place, so here is a list both well-publicized and the harder-to-find discounts that you can inquire about if you buy San Jose auto insurance online.Discount car insurance

Drivers should understand that some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, it doesn't quite work that way.

A partial list of companies who may offer some of the discounts shown above include:

When quoting, ask every insurance company how you can save money. Some of the earlier mentioned discounts may not apply to policyholders in San Jose.

How to Lower Your Insurance Premiums

Many factors are taken into consideration when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are not as apparent such as your marital status or how safe your car is. An important part of buying insurance is that you know some of the elements that help calculate car insurance rates. If you have a feel for what impacts premium levels, this helps enable you to make changes that can earn you big savings.

The following are most of the major factors companies use to determine your prices.

Save money with higher deductibles - Comp and collision deductibles are the amount of money you are required to spend out-of-pocket before your car insurance pays a claim. Physical damage protection, also known as collision and other-than-collision, insures against damage to your car. Some coverage claims would be collision with another vehicle, damage caused by hail, or theft of your vehicle. The more you choose to pay out-of-pocket, the lower your rates will be.

Good drivers pay the best rates - A bad driving record has a big impact on rates. Good drivers pay lower auto insurance prices compared to drivers with tickets. Only having one moving violation can increase rates by twenty percent. Drivers unfortunate enough to have dangerous violations like DUI or willful reckless driving might be required by their state to prove financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.

Safer vehicles mean better prices - Vehicles with high crash test scores get lower rates. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and lower rates for you.

Car insurance rates and age - More experienced drivers are viewed as being more responsible, are lower risk to insure, and are safer drivers.Beginning drivers are statistically shown to be more careless when driving with friends and because of this, their car insurance rates are much higher.

File policy claims and pay more - If you're an insured who likes to file claims don't be surprised to see increased rates or even have your policy non-renewed. Auto insurance companies in California generally give lower rates to drivers who are not frequent claim filers. Your insurance policy is intended for claims that pose a financial burden.

Insurance rates and driver gender - Statistics have proven that men are more aggressive behind the wheel. This data doesn't prove that females are better at driving than males. Males and females get in at-fault accidents at about the same rate, but men tend to have higher claims. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving.

Compare rates but buy from a local San Jose insurance agency

Some consumers would prefer to talk to an insurance agent and that can be a great decision One of the benefits of getting online price quotes is you may find the best rates and still have a local agent. And providing support for neighborhood insurance agencies is important especially in San Jose.

After completing this form (opens in new window), the coverage information is instantly submitted to participating agents in San Jose that give free quotes for your business. You won't even need to search for any insurance agencies because quoted prices will be sent immediately to you. You can find better rates and a licensed agent to work with. If for some reason you want to compare rates from one company in particular, just jump over to their website and fill out their quote form.

How to choose the best car insurance agent in San Jose

If you prefer to buy car insurance from a reliable agent, it can be helpful to understand the types of insurance agents and how they work. Insurance agencies in San Jose are categorized either exclusive or independent.

Independent Car Insurance Agents

Agents of this type do not sell for just one brand so they can quote policies with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you can keep the same agent.

If you are comparing car insurance prices, you will want to compare quotes from a couple of independent agencies in order to have the best price comparison. Most also write with lesser-known insurance companies that many times have cheaper rates.

The following is a list of independent insurance agents in San Jose that may be able to give price quote information.

More insurance agents

Exclusive Car Insurance Agents

These agents can only provide one company's prices and some examples include American Family, State Farm, and Allstate. They usually cannot give you multiple price quotes so you need to shop around if the rates are high. These agents receive a lot of sales training on what they offer which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents mostly because of the brand legacy and strong financial ratings.

Shown below are exclusive agents in San Jose willing to provide price quote information.

More insurance agents

Choosing the best car insurance agent should include more criteria than just a cheap price. These are some valid questions you should ask.

Car insurance savings promises

State Farm and Allstate regularly use ads on TV and radio. They all try to convey promises about savings just by moving your car insurance policy to them. That's great but how can every company charge lower premium rates? It's all in the words they use.

Many companies have specific criteria for the type of driver that will not have excessive claims. For example, a desirable insured could be over the age of 50, has never had a claim, and drives less than 5,000 miles a year. Any driver that fits those parameters will get very good San Jose premium rates and is almost guaranteed to save money with a new company.

Drivers who are not a match for this ideal profile must pay more expensive rates with the end result being the driver buying from a lower-cost company. The ads say "people who switch" but not "all drivers who get quotes" save money. That is how insurance companies can make it sound like they have such great auto insurance rates.

Each company has different criteria, so you really need to do a quote comparison often. Because you cannot predict with any certainty which company will have the best Dodge Ram insurance in San Jose.

Lower rates by being persistent

People leave their current company for any number of reasons including poor customer service, high rates after DUI convictions, not issuing a premium refund or even delays in paying claims. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Low-cost Dodge Ram insurance in San Jose can be sourced on the web and also from your neighborhood San Jose agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these regional carriers sell through independent agents.

As you go through the steps to switch your coverage, don't be tempted to reduce coverage to reduce premium. There have been many cases where someone dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

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