Want to learn the secrets to finding more competitive car insurance rates in Austin, TX? Austin consumers have options when looking for low-cost Dodge Ram 2500 insurance. They can either spend hours driving around getting price quotes or leverage the internet to find the lowest rates.
There is a better way to shop for car insurance so you’re going to learn the absolute fastest way to compare rates for your Dodge and get the lowest price from Austin insurance agents and online providers.
Consumers should take time to compare rates as often as possible because car insurance prices change frequently. Just because you found the best price on Dodge Ram 2500 insurance in Austin two years ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about car insurance because you’re about to find out the only way to find better coverage on Dodge Ram 2500 insurance in Austin at a better price.
The companies shown below can provide free rate quotes in Texas. If multiple providers are shown, we recommend you get prices from several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$208||$392||$404||$24||$122||$1,150||$96|
|Ram 2500 Crew Cab SLT 2WD||$206||$424||$430||$26||$128||$1,214||$101|
|Ram 2500 Mega Cab SLT 2WD||$422||$804||$564||$34||$168||$1,992||$166|
|Ram 2500 Crew Cab Laramie 2WD||$210||$462||$414||$24||$124||$1,234||$103|
|Ram 2500 Crew Cab ST 2WD||$260||$572||$414||$24||$124||$1,394||$116|
|Ram 2500 Mega Cab Laramie 2WD||$322||$660||$440||$26||$132||$1,580||$132|
|Ram 2500 Crew Cab ST 4WD||$178||$312||$414||$24||$124||$1,052||$88|
|Ram 2500 Crew Cab SLT 2WD||$286||$558||$404||$24||$122||$1,394||$116|
|Ram 2500 Mega Cab SLT 2WD||$196||$436||$486||$28||$146||$1,292||$108|
|Ram 2500 Mega Cab SLT 4WD||$410||$720||$582||$34||$174||$1,920||$160|
|Ram 2500 Crew Cab SLT 4WD||$196||$378||$486||$28||$146||$1,234||$103|
|Ram 2500 Crew Cab Laramie 2WD||$354||$890||$452||$26||$136||$1,858||$155|
|Ram 2500 Mega Cab Laramie 2WD||$370||$762||$430||$26||$128||$1,716||$143|
|Ram 2500 Crew Cab ST 4WD||$196||$360||$452||$26||$136||$1,170||$98|
|Ram 2500 Mega Cab Laramie 4WD||$404||$802||$520||$30||$156||$1,912||$159|
|Ram 2500 Crew Cab Laramie 4WD||$288||$532||$560||$34||$168||$1,582||$132|
|Ram 2500 Mega Cab SLT 4WD||$286||$532||$486||$28||$146||$1,478||$123|
|Ram 2500 Crew Cab SLT 4WD||$392||$760||$560||$34||$168||$1,914||$160|
|Ram 2500 Crew Cab Laramie 4WD||$216||$436||$486||$28||$146||$1,312||$109|
|Ram 2500 Mega Cab Laramie 4WD||$452||$828||$582||$34||$174||$2,070||$173|
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in specific location information which can affect premium rates noticeably.
Auto insurance rates by gender and age
The example below shows the comparison of Dodge Ram 2500 auto insurance costs for male and female drivers. The rate quotes are based on no violations or claims, full physical damage coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Full coverage or liability only
The chart below shows the difference between Dodge Ram 2500 insurance rates with full coverage compared to only the Texas minimum liability coverage. The information is based on no accidents or driving violations, $250 deductibles, single male driver, and no discounts are applied.
When to drop comprehensive and collision coverage
There is no specific rule to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Dodge Ram 2500 claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your deductible. If premium cost is more than $800 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Higher deductibles lower rates
The chart below shows how choosing a deductible and can change Dodge Ram 2500 yearly insurance costs for different ages of insureds. The data assumes a married female driver, comp and collision included, and no other discounts are factored in.
Take policy discounts and save on Dodge Ram 2500 insurance in Austin
Car insurance is expensive, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be inquired about before being credited. If you’re not getting every credit possible, you’re just leaving money on the table.
- College Student – Youth drivers who live away from home to go to college and don’t have a car may qualify for this discount.
- 55 and Retired – If you qualify as a senior citizen, you could receive a small discount on rates.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving could save 15% off the personal injury premium cost.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
- Membership in Organizations – Participating in qualifying clubs or civic groups is a good way to get lower rates when shopping for car insurance.
- Homeowners Savings – Owning a home in Austin can save you money because it shows financial diligence.
- Low Mileage – Low mileage vehicles could qualify for discounted premium rates on garaged vehicles.
Please keep in mind that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, companies don’t profit that way.
A few popular companies and a partial list of their discounts can be found below.
- State Farm includes discounts for multiple policy, safe vehicle, accident-free, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, and good student.
- Progressive discounts include good student, online signing, continuous coverage, multi-policy, online quote discount, and homeowner.
- Travelers has discounts for multi-policy, payment discounts, student away at school, new car, IntelliDrive, driver training, and continuous insurance.
- American Family offers discounts including good driver, TimeAway discount, bundled insurance, multi-vehicle, and good student.
- Liberty Mutual may have discounts that include multi-policy, hybrid vehicle, exclusive group savings, newly married, safety features, and multi-car.
When quoting, ask each company or agent which discounts can lower your rates. Some credits might not be available to policyholders in every state. To choose car insurance companies that offer some of these discounts in Austin, click this link.
Here’s why auto insurance is not optional
Despite the high cost, maintaining insurance is required in Texas but it also protects you in many ways.
First, the majority of states have minimum liability requirements which means you are required to buy a minimum amount of liability protection in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Ram 2500, most banks will require you to buy insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank will be required to insure your Dodge for a lot more money and require you to reimburse them the higher premium.
Third, auto insurance protects both your car and your assets. It also can pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to have it repaired.
The benefits of buying auto insurance are definitely more than the cost, particularly for liability claims. But the average driver in Texas is overpaying more than $865 each year so compare rate quotes at every renewal to ensure rates are competitive.
Everyone needs different insurance coverages
When it comes to buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.
For example, these questions could help you determine whether or not you would benefit from an agent’s advice.
- What if a claim settlement is too low?
- Are split liability limits better than a combined single limit?
- Why does it cost so much to insure a teen driver in Austin?
- Do I really need UM/UIM coverage?
- Do I need replacement cost coverage on my Dodge Ram 2500?
- Does my insurance cover my expensive audio equipment?
- Is rental equipment covered for theft or damage?
- Should I pay a claim out-of-pocket?
- Should I put collision coverage on all my vehicles?
- Do I need PIP coverage since I have good health insurance?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.
Independent or exclusive insurance agents
Many people still like to talk to an insurance agent and that is just fine! Professional insurance agents are very good at helping people manage risk and give you someone to call. The biggest benefit of price shopping on the web is you may find cheap rate quotes but still work with a licensed agent. Supporting local agents is definitely important in Austin.
Once you complete this short form, the coverage information is instantly submitted to agents in your area who will give competitive quotes for your insurance coverage. You won’t need to contact any insurance agencies because quoted prices will be sent to the email address you provide. If you need to get a comparison quote from one company in particular, you just need to search and find their rate quote page and give them your coverage information.
When finding a reliable insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Agents in Austin may be either exclusive or independent. Either type can write policy coverage, but it is a good idea to know the difference in the companies they write for because it may have an impact on the type of agent you choose.
Agents of this type are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.
If you are trying to find cheaper rates, you definitely need to check rates from multiple independent agents to maximize your price options. Many write coverage with small mutual carriers which can be an advantage.
Featured below is a partial list of independent insurance agents in Austin that may be able to give you price quote information.
- Eckert Insurance Group
824 W 10th St – Austin, TX 78701 – (512) 472-6969 – View Map
- Nationwide Insurance: Bill Russell Insurance Agency Inc
9015 Mountain Ridge Dr #350 – Austin, TX 78759 – (512) 343-1106 – View Map
- Southwest Insurance Center
3105 W Slaughter Ln – Austin, TX 78748 – (512) 280-6100 – View Map
Exclusive Insurance Agencies
Exclusive agencies work for only one company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. These agents are highly trained in insurance sales which helps overcome the inability to quote other rates. Consumers often use the same exclusive agent mostly because of the brand name instead of buying on price only.
Shown below is a short list of exclusive insurance agents in Austin willing to provide comparison quotes.
- Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map
- Tony Reyes – State Farm Insurance Agent
9811 S IH 35 Frontage Rd #120 – Austin, TX 78744 – (512) 851-2539 – View Map
- Brandy Whiteside – State Farm Insurance Agent
3601 W William Cannon Dr #100 – Austin, TX 78749 – (512) 892-5542 – View Map
Picking the best insurance agent needs to be determined by more than just a cheap quote. The following questions are important to ask.
- Is their price quote a firm figure or are their hidden costs?
- How long has their agency been in business in Austin?
- Did they already check your driving record and credit reports?
- Does the agency have a current Errors and Omissions policy?
- Is vehicle damage repaired with OEM or aftermarket parts?
- What insurance company do they write the most business with?
- Are they full-time agents?
- Does the company have a local claim office in Austin?