Who Has the Cheapest Auto Insurance Quotes for a Dodge Ram in Miami?

Buying the cheapest insurance for a Dodge Ram hinges on a very complex rating algorithm that uses multiple factors such as when you were born, your address, and your choice of physical damage deductibles. Florida drivers pay approximately $1,165 per year for Ram insurance, but that price is an approximation using a 40-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.

But there is a high probability that you’re not a 40-year-old male, possibly single instead of married, or maybe you prefer to not insure for full coverage. Just a slight change in the criteria used to calculate rates can result in a large change in the cost of a policy.

The different assumptions illustrate why the best way to find cheap car insurance rates for your Dodge is to compare as many rates as possible.

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The trim level of your Dodge has an effect on the insurance rate, so the rate you pay to insure a Ram Quad Cab ST 2WD model will be $214 cheaper than the price to insure the high end Ram Quad Cab Laramie 4WD model, as shown in the chart below.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in Miami location which can alter rates substantially.

Finding the top company can be rather challenging considering how many companies there are to choose from in Florida. The company rank data in the next section could help you select which providers to look at to insure your vehicles. These rankings are only comprised of the largest companies in America, so smaller companies are not included in these rankings.

Top 10 Large Auto Insurance Companies in Miami Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Responsible drivers pay cheaper Miami car insurance rates

One of the best ways to obtain good car insurance rates in Miami for a Ram pickup is to be an attentive driver and avoid getting tickets or having accidents. The chart below highlights how traffic violations and at-fault accidents can raise premium costs for each different age group. The rates are based on a married male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

In the prior example, the average cost of an auto insurance policy in Miami per year with no accidents or violations is $1,981. Add in one speeding ticket and the average cost swells to $2,282, an increase of $301 each year. Now add in one accident along with the one speeding ticket and the yearly cost of car insurance for a Dodge Ram jumps again to an average of $3,102. That’s an increase of $1,121, or $93 per month, just for not driving safely!

Why you should compare rates

Miami car insurance rates are based on many factors that will increase or decrease the price of coverage. Simply getting older, moving across town, or getting into an accident may prompt premium changes that may make certain companies more affordable than others.

Not only that, but companies change their prices every year in order to maintain liquidity for claims. Higher than normal claims may cause more expensive prices, while profitable underwriting may produce lower-cost Ram insurance rates.

The bar chart below shows which company has the cheapest car insurance in Miami, FL for a 30-year-old male driver with no accidents, a clean driving record, and good credit. When comparing rates based on his current risk factors, USAA might offer the best car insurance rates in Miami at $1,793 each year. This is $655 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are the remainder of the top five cheapest Miami, FL auto insurance companies.

The chart below compares rates after we give the driver in the first example an accident claim, slightly worse credit, and a traffic citation. Because every insurance company has their own formula for setting prices, analyzing rate quotes will most likely result in a different list of companies as shown below.

USAA now has the lowest price in Miami, FL with Allied, Esurance, GEICO, and State Farm also having competitive pricing. This example proves why it is critical to do a thorough rate comparison to find cheap car insurance rates for a Dodge Ram.

Prices are calculated by many different factors and change substantially, so the most economical option when you bought your policy may now be quite expensive.

How to find economical insurance for a Dodge Ram

The list below shows a few money-saving solutions that can help you get cheaper auto insurance.

• Just one traffic violation will increase your rates
• Raise comprehensive and collision coverage deductibles
• Save money by insuring older vehicles for liability only
• Frequent claims will increase rates
• Avoid accidents and claims
• Compare rates once a year for cheaper prices

The final tip is very necessary, as we noted in the article above. Insurance prices can be adjusted at any time, so don’t be tentative to buy a different policy if a cheaper rate is available. Having brand loyalty is commendable, but it’s not a great idea if that stubbornness costs you big bucks every year. It takes less than five minutes to shop around and find cheaper auto insurance for a Dodge Ram in Miami.

If you have questions and prefer to get some guidance when comparing insurance rates for a Dodge Ram, the insurance agencies listed below can most likely answer your questions and help you decide which coverage meets your needs best.

To find a Miami insurance agency in your neighborhood, click the button below the list or click here to compare price quotes.

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