Affordable Dodge Ram 2500 Insurance in Detroit

We don’t have to tell you that insurance companies don’t want their policyholders to compare prices. Consumers who get comparison quotes at least once a year are very likely to switch car insurance companies because there is a high probability of finding a cheaper policy. A recent car insurance study discovered that consumers who compared rates once a year saved approximately $850 each year compared to people who never shopped for cheaper rates.

If saving the most money on insurance is your intention, then knowing how to choose a company and compare cheaper coverage can help you succeed in saving money.

If saving money is your primary concern, then the best way to get budget auto insurance rates in Detroit is to annually compare prices from companies in Michigan. Drivers can shop around by following these steps.

Step 1: Try to comprehend how insurance works and the steps you can take to prevent rate increases. Many policy risk factors that cause high rates like accidents, traffic tickets, and a poor credit score can be amended by making minor changes to your lifestyle. Later in this article we will cover more details to prevent expensive rate increases and get discounts that may be available to you.

Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple sources.

Step 3: Compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.

Step 4: Notify your current company of your intention to cancel your existing policy and submit payment and a completed application to your new agent or company. Be sure to safely store the proof of insurance paperwork somewhere easily accessible.

One thing to point out is that you’ll want to compare the same liability limits and deductibles on every price quote and and to get price quotes from all possible companies. Doing this enables a fair rate comparison and plenty of rates choose from.

How much is Dodge Ram 2500 insurance in Detroit, Michigan?

The majority of larger companies like State Farm, GEICO and Progressive provide coverage price quotes on their websites. Getting quotes for Dodge Ram 2500 insurance in Detroit is possible for anyone because you just enter the coverage amounts you desire into the quote form. Upon sending the form, their rating system gets information on your driving record and credit history and returns pricing information based on these factors.

The ability to get online rates for Dodge Ram 2500 insurance in Detroit streamlines rate comparisons, and it is imperative to get many rate quotes if you want to get a better rate.

To quickly compare rates using this form now, check out the auto insurance providers below. If you have coverage now, it’s recommended you replicate deductibles and limits identical to your current policy. Doing this guarantees you will be getting rate quotes for the exact same coverage.

The auto insurance companies shown below have been selected to offer price quotes in Detroit, MI. If you wish to find cheap auto insurance in Detroit, we recommend you visit two to three different companies in order to get a fair rate comparison.

Get affordable Dodge Ram 2500 insurance in Detroit with discounts

Some providers don’t always advertise every discount very clearly, so the list below contains some of the best known as well as the least known savings tricks you should be using when you buy Detroit car insurance online.

• Good Driver Discounts – Insureds without accidents can pay as much as 50% less than drivers with accidents.
• Clubs and Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance.
• Discounts for Multiple Vehicles – Having several vehicles on a single policy can reduce rates for all insured vehicles.
• Accident Waiver – Not necessarily a discount, but companies like Liberty Mutual, GEICO and Allstate will allow you to have one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
• Life Insurance – Some companies give a discount if you purchase a life policy as well.
• Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
• Onboard Data Collection – Insureds who allow driving data submission to spy on when and where they use their vehicle through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if their driving habits are good.
• Senior Citizen Rates – Mature drivers can get a small decrease in premiums.
• Low Mileage Discounts – Driving less could qualify for substantially lower insurance rates.
• Save with a New Car – Insuring a vehicle that is new may earn a small discount because newer vehicles are generally safer.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, insurance companies aren’t that generous. But any discount will definitely reduce your premiums.

The chart below shows the comparison of Dodge Ram 2500 auto insurance rates with and without discounts applied to the policy premium. The data is based on a female driver, no claims or violations, Michigan state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, multi-car, marriage, and homeowner discounts applied.

Auto insurance companies who might offer these money-saving discounts possibly include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

Before purchasing a policy, check with every company to give you their best rates. Some of the discounts discussed earlier may not apply to policyholders in Detroit. If you would like to see a list of insurers with the best Dodge Ram 2500 insurance discounts in Michigan, click here.

Coverage information

The rate information displayed next covers a range of insurance premium costs for Dodge Ram 2500 models. Having a good understanding how policy rates are established can help guide drivers when making informed decisions when comparing rates.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in zip code location which can alter price quotes greatly.

Auto insurance rates based on gender

The chart below visualizes the comparison of Dodge Ram 2500 insurance rates for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Can’t I compare prices from local Detroit insurance agencies?

Many people still prefer to sit down and talk to an agent and that is just fine! A nice benefit of price shopping on the web is that drivers can save money and get the best rates and still have an agent to talk to. And providing support for local agencies is important especially in Detroit.

After filling out this short form, your insurance coverage information is emailed to insurance agents in Detroit who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to leave your house due to the fact that quote results will go to you. You’ll get the best rates AND a local agent. If you wish to get a rate quote from a specific company, feel free to go to their quote page and give them your coverage information.

If you want to buy auto insurance from a local insurance agency, you should know the different agency structures and how they can quote your rates. Agents can be classified as either independent or exclusive.

Independent Agencies or Brokers

Independent insurance agents are not employed by one company so as a result can place your coverage with many different companies and get you the best rates possible. If premiums increase, the agent simply finds a different carrier which makes it simple for you. If you are comparing auto insurance prices, it’s recommended you compare prices from multiple independent agents for the best price selection. Most also have access to additional companies that you may not be familiar with that may have much lower rates than larger companies.

Listed below is a partial list of independent insurance agencies in Detroit who may provide price quote information.

• Titan Insurance
  3144 Woods Cir Dr – Detroit, MI 48207 – (313) 974-7085 – View Map
• Marsh
  600 Renaissance Center # 2100 – Detroit, MI 48243 – (313) 393-6800 – View Map
• Woodward Insurance
  1529 Woodward Ave – Detroit, MI 48226 – (313) 962-6200 – View Map

More insurance agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only write with one company like State Farm, AAA, and Liberty Mutual. They usually cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agents receive extensive training on their company’s products which helps offset the inability to provide other markets. Some people will only buy from exclusive agents mostly because of the prominent brand name instead of buying on price only.

Listed below are exclusive agents in Detroit willing to provide price quote information.

• Kenya Wells – State Farm Insurance Agent
  20021 Kelly Rd – Detroit, MI 48225 – (313) 822-5948 – View Map
• John Cash – State Farm Insurance Agent
  19203 Grand River Ave – Detroit, MI 48223 – (313) 537-1200 – View Map
• PD Dandnaik – State Farm Insurance Agent
  W, 7725 Vernor Hwy – Detroit, MI 48209 – (313) 554-1500 – View Map

More insurance agents

Finding the right insurance agent is decision based upon more than just a cheap price quote. Agents should be asked these questions:

• Do they reduce claim amounts on high mileage vehicles?
• Does the agent recommend any additional coverage?
• Where would glass claims be handled in Detroit?
• What company holds the largest book of business for them?
• If your car is totaled, how to they determine the replacement cost?
• Are they primarily personal or commercial lines agents in Detroit?
• Are aftermarket or OEM parts used to repair vehicles?
• Is there any savings for paying the full premium?

Car insurance policy coverages for a Dodge Ram 2500

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Ram 2500.

Due to the fact that many Michigan drivers only purchase the least amount of liability that is required (20/40/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for rehabilitation expenses, funeral costs, pain medications and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage pays for damage to your Ram 2500 from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter, crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible on your Ram 2500 to get cheaper collision coverage.

Liability insurance – This coverage will cover injuries or damage you cause to a person or their property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 20/40/10 that translate to a limit of $20,000 per injured person, a limit of $40,000 in injury protection per accident, and property damage coverage for $10,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as emergency aid, medical expenses, legal defense fees and medical services. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible. Michigan state law requires minimum liability limits of 20/40/10 but you should consider buying more coverage.

The illustration below demonstrates why low liability limits may not be adequate.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Smart shoppers get results

More affordable auto insurance in Detroit is possible from both online companies as well as from independent agents in Detroit, and you should be comparing both to have the best chance of lowering rates. Some companies may not have rate quotes online and these small insurance companies provide coverage only through independent agents.

In this article, we presented quite a bit of information on how to save on Dodge Ram 2500 insurance in Detroit. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a smaller regional carrier.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The goal is to buy enough coverage for the lowest price, but do not skimp to save money.

Much more information about auto insurance in Michigan is available below:

• How to Avoid Staged Accidents (State Farm)
• How Much is Car Insurance for a Toyota Corolla in Detroit? (FAQ)
• Who Has Affordable Auto Insurance for Used Cars in Detroit? (FAQ)
• How Much are Car Insurance Rates for Unemployed Drivers in Detroit? (FAQ)
• Top Signs Your Brakes are Giving Out (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)