Are you looking for a better way to compare the cheapest Dodge Ram insurance in Baltimore? Perplexed by the sheer number of insurance choices in Baltimore? Many other drivers are too. You have such a vast assortment of choices available that it can easily become a ton of work to locate the lowest prices for Dodge Ram insurance in Baltimore. Baltimore is a great place to live, but paying high insurance rates can make it difficult for lots of drivers to make ends meet.
It's hard to fathom, but a large majority of consumers have purchased from the same company for at least the last four years, and virtually 40% of consumers have never shopped around. With the average premium in Maryland being $1,494, drivers can cut their rates by up to $800 a year by just comparing quotes, but they mistakenly think it's difficult to save money by comparing rate quotes.
You need to check insurance prices yearly since insurance rates are rarely the same from one policy term to another. Just because you found the lowest rate on Dodge Ram insurance in Baltimore a year ago there may be better deals available now. You can find a lot of information about Ram insurance online, but you can learn some of the best ways to lower your insurance bill.
If you have coverage now, you will most likely be able to cut your premiums using this information. Quoting cheaper car insurance coverage in Baltimore is not as hard as you think. But Maryland car owners should learn how the larger insurance companies price online insurance and use it to find better rates.
Best Dodge Ram insurance prices in Maryland
The car insurance companies shown below are our best choices to provide free rate quotes in Maryland. If the list has multiple companies, we suggest you click on several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$216||$336||$620||$36||$186||$1,394||$116|
|Ram Quad Cab TRX4 Off Road 2WD||$344||$518||$468||$28||$140||$1,498||$125|
|Ram Quad Cab SLT 2WD||$210||$376||$596||$36||$178||$1,396||$116|
|Ram Crew Cab ST 2WD||$394||$632||$458||$28||$138||$1,650||$138|
|Ram Quad Cab ST 4WD||$170||$282||$440||$26||$132||$1,050||$88|
|Ram Crew Cab SLT 2WD||$272||$438||$432||$26||$130||$1,298||$108|
|Ram Crew Cab TRX 2WD||$450||$632||$602||$36||$180||$1,900||$158|
|Ram Quad Cab SLT 4WD||$340||$650||$518||$30||$156||$1,694||$141|
|Ram Crew Cab ST 4WD||$340||$618||$518||$30||$156||$1,662||$139|
|Ram Crew Cab Sport 2WD||$246||$418||$432||$26||$130||$1,252||$104|
|Ram Quad Cab Sport 2WD||$366||$502||$602||$36||$180||$1,686||$141|
|Ram Quad Cab TRX4 Off Road 4WD||$210||$384||$482||$28||$144||$1,248||$104|
|Ram Crew Cab TRX 4WD||$188||$326||$432||$26||$130||$1,102||$92|
|Ram Crew Cab SLT 4WD||$366||$502||$602||$36||$180||$1,686||$141|
|Ram Quad Cab Laramie 2WD||$500||$744||$602||$36||$180||$2,062||$172|
|Ram Crew Cab Laramie 2WD||$386||$716||$556||$32||$166||$1,856||$155|
|Ram Crew Cab Sport 4WD||$340||$642||$518||$30||$156||$1,686||$141|
|Ram Quad Cab Sport 4WD||$308||$568||$596||$36||$178||$1,686||$141|
|Ram Crew Cab Laramie 4WD||$358||$660||$472||$28||$142||$1,660||$138|
|Ram Quad Cab Laramie 4WD||$236||$442||$468||$28||$140||$1,314||$110|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in zip code location which can increase or decrease price quotes significantly.
Auto insurance rates by age and gender
The information below illustrates the difference between Dodge Ram annual premium costs for male and female drivers. The premiums are based on no violations or claims, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Get discounts to get affordable Baltimore insurance quotes
Companies that sell car insurance do not advertise every disount available in a way that's easy to find, so we took the time to find some of the more common as well as the least known discounts that you can inquire about if you buy Baltimore auto insurance online. If you're not getting every credit you qualify for, you could be paying more than you need to.
- Drive Safe and Save - Drivers who avoid accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Own a Home and Save - Just owning your own home can earn you a little savings since home ownership shows financial diligence.
- Government Employees - Active or former government employment may qualify for a discount when you quote Baltimore auto insurance with some insurance companies.
- Club Memberships - Being in a qualifying organization could earn you a nice discount when shopping for insurance.
- No Claim Discounts - Insureds who avoid accidents and claims can save substantially when compared with accident-prone drivers.
- College Student Discount - Older children who live away from home at college without a vehicle on campus can be insured at a reduced rate.
- Discount for Multiple Policies - When you combine your homeowners and auto insurance with the same company you could earn a discount of as much as 10 to 15 percent.
Drivers should understand that some credits don't apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
Car insurance companies who may offer these benefits include:
When quoting, ask all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier might not apply in your area. If you would like to see a list of insurers with the best Dodge Ram insurance discounts in Maryland, click this link.
Can't I compare rates from local Baltimore car insurance agents?
A lot of people just want to get advice from a local agent and that is recommended in a lot of cases One of the best bonuses of comparing rates online is that you can obtain cheap rate quotes and still have an agent to talk to. And buying from small agencies is still important in Baltimore.
To find an agent, once you fill out this short form, your information is transmitted to agents in your area who will give you quotes for your auto insurance coverage. There is no reason to search for an agent as quotes are delivered instantly to you. You can find lower rates AND a local agent. If you want to get a price quote from a particular provider, feel free to go to their quote page and fill out the quote form the provide.
Insurance agent types
If you would like to find a reliable insurance agency, you must know there are a couple different agency structures and how they are slightly different. Baltimore agents can be categorized as either independent or exclusive.
Independent Auto Insurance Agencies or Brokers
These agents do not work for one specific company so they can write business through many different auto insurance companies and find the cheapest auto insurance rates. If you are not satisfied with one company, your agent can just switch to a different company and you won't have to switch agencies. When comparing auto insurance prices, you definitely need to get insurance quotes from multiple independent agents to have the most options to choose from. Most also write with companies you've never heard of which may provide better rates.
Below is a small list of independent insurance agencies in Baltimore who may provide price quote information.
- Lambert Insurance Inc
1826 Woodlawn Dr # 6 - Baltimore, MD 21207 - (410) 265-7850 - View Map
- Upper Chesapeake Insurance Agency Inc
900 S Charles St - Baltimore, MD 21230 - (410) 385-0455 - View Map
- Baltimore Insurance Network
11 E Lexington St - Baltimore, MD 21202 - (443) 869-6424 - View Map
Exclusive Insurance Agents
These agents write business for a single company and examples are State Farm, Allstate, and Farm Bureau. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. These agents are well trained on their company's products and that allows them to sell at a higher price point. Consumers often purchase coverage from exclusives partially due to the brand legacy rather than low rates.
Listed below are Baltimore exclusive agencies that can give you price quotes.
- Tom Nash - State Farm Insurance Agent
454 E Fort Ave - Baltimore, MD 21230 - (410) 727-4545 - View Map
- State Farm: Scott Garvey
3818 Roland Ave - Baltimore, MD 21211 - (410) 889-5840 - View Map
- Tamara Thomson - State Farm Insurance Agent
7823 Wise Ave - Baltimore, MD 21222 - (410) 282-7283 - View Map
Choosing an car insurance agent shouldn't rely on just a low price. A good agent in Baltimore will have answers to these questions.
- Which companies do they recommend if they are an independent agency?
- By raising physical damage deductibles, how much would you save?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How many years of experience in personal auto insurance do they have?
- What is the agency's Better Business Bureau rating?
- When do they do a full risk review?
- Are they in the agency full-time?
Be persistent and save
Drivers change insurance companies for many reasons like high prices, policy cancellation, poor customer service or even lack of trust in their agent. Whatever your reason, switching car insurance companies is less work than it seems.
You just read a lot of tips how to save on Dodge Ram insurance in Baltimore. The key thing to remember is the more you quote Baltimore auto insurance, the better chance you'll have of finding affordable Baltimore auto insurance quotes. Drivers may even discover the lowest priced car insurance comes from an unexpected company.
When shopping online for car insurance, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage only to discover later that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate, but do not skimp to save money.
Much more information about car insurance in Maryland is located on the following sites: