Insurance rates Dodge Ram in ClevelandHow long has it been since you compared quotes for the cheapest Dodge Ram insurance in Cleveland? Are you irritated from scraping the payment together to buy auto insurance? You're in the same situation as millions of other consumers.

It's shocking but about 70% of customers kept their policy with the same company for over three years, and virtually 40% of consumers have never compared quotes from other companies. Many consumers in Cleveland could save up to $729 every year by just comparing quotes, but they assume it's a waste of time to compare rates and save money.

Many insurers vie for your insurance dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest price on Dodge Ram insurance in Cleveland.

If you are already insured, you will surely be able to find the best rates using the ideas you're about to read. Finding affordable auto insurance coverage in Cleveland is quite easy. Although Ohio car owners can benefit from knowing the way insurance companies calculate their prices.

Companies offering low-cost Dodge Ram rates in Cleveland, OH

The car insurance companies shown below are our best choices to provide price comparisons in Cleveland, OH. If multiple companies are shown, we recommend you get rates from several of them to find the most affordable car insurance rates.

Dodge Ram Insurance Cost Estimates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $130 $180 $264 $16 $80 $670 $56
Ram Quad Cab TRX4 Off Road 2WD $192 $290 $262 $16 $78 $838 $70
Ram Quad Cab SLT 2WD $178 $294 $346 $20 $104 $942 $79
Ram Crew Cab ST 2WD $190 $346 $290 $18 $86 $930 $78
Ram Quad Cab ST 4WD $178 $294 $346 $20 $104 $942 $79
Ram Crew Cab SLT 2WD $192 $290 $262 $16 $78 $838 $70
Ram Crew Cab TRX 2WD $136 $228 $346 $20 $104 $834 $70
Ram Quad Cab SLT 4WD $122 $186 $256 $16 $76 $656 $55
Ram Crew Cab ST 4WD $138 $234 $270 $16 $80 $738 $62
Ram Crew Cab Sport 2WD $272 $512 $346 $20 $104 $1,254 $105
Ram Quad Cab Sport 2WD $172 $318 $334 $20 $100 $944 $79
Ram Quad Cab TRX4 Off Road 4WD $200 $320 $264 $16 $80 $880 $73
Ram Crew Cab TRX 4WD $246 $416 $256 $16 $76 $1,010 $84
Ram Crew Cab SLT 4WD $200 $320 $264 $16 $80 $880 $73
Ram Quad Cab Laramie 2WD $118 $226 $290 $18 $86 $738 $62
Ram Crew Cab Laramie 2WD $212 $408 $270 $16 $80 $986 $82
Ram Crew Cab Sport 4WD $156 $220 $336 $20 $100 $832 $69
Ram Quad Cab Sport 4WD $212 $408 $290 $18 $86 $1,014 $85
Ram Crew Cab Laramie 4WD $134 $290 $310 $18 $92 $844 $70
Ram Quad Cab Laramie 4WD $118 $248 $270 $16 $80 $732 $61
Get Your Own Custom Quote Go

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific garaging location which can raise or lower auto insurance rates greatly.

Should you raise deductibles?

The illustration below demonstrates how choosing different deductibles and can impact Dodge Ram insurance prices for different insured age categories. The price estimates are based on a single male driver, full coverage, and no discounts are factored in.

Dodge Ram insurance costs by age and gender

The example below shows the difference between Dodge Ram auto insurance costs for male and female drivers. Data assumes no claims or driving violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no policy discounts are applied.

Impact of careless driving on car insurance rates

The diagram below illustrates how violations and at-fault accidents can drive up Dodge Ram insurance prices for different age groups of insureds. The premium estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.

How do Car Insurance Companies Determine Dodge Ram Insurance Costs?

Many factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are less obvious such as your marital status or how financially stable you are. It's important that you understand some of the things that help determine your auto insurance rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that could help you find cheaper rates.

The factors shown below are just a few of the factors utilized by car insurance companies to help set your rate level.

You may qualify for discounts for Dodge Ram insurance in Cleveland

Not too many consumers would say car insurance is affordable, but there's a good chance there are discounts that many consumers don't even know exist. Some of these discounts will be visible when you quote, but occasionally some discounts must be inquired about before you will receive the discount.Car insurance discounts

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

A list of car insurance companies and a summarized list of policyholder discounts can be read below.

It's a good idea to ask every prospective company the best way to save money. Some discounts may not apply in every state. To see a list of companies that can offer you the previously mentioned discounts in Ohio, click here.

Insurance agents can give valuable advice

A lot of people still like to visit with an insurance agent and that is just fine! An additional benefit of getting free rate quotes online is that you can obtain the lowest rates and also buy local. Buying from neighborhood insurance agencies is important particularly in Cleveland.

Insurance agency in ClevelandFor easy comparison, once you complete this simple form, your information is transmitted to local insurance agents in Cleveland that can give you free Cleveland auto insurance quotes to get your business. It simplifies rate comparisons since you won't have to contact any insurance agencies due to the fact that quote results will go to you instantly. Get lower rates and a licensed agent to talk to. If you wish to quote rates from a specific insurance company, you just need to visit that company's website to submit a rate quote request.

Pick the best auto insurance agent in Cleveland for you

If you need to find a local insurance agency, you need to know there are two different types of agencies and how they can write your policy. Cleveland agents are classified as either independent (non-exclusive) or exclusive.

Independent Car Insurance Agencies or Brokers

Agents that choose to be independent do not work for one specific company so they can write business through many different car insurance companies and potentially find a lower price. To move your coverage to a new company, they simply switch companies in-house which requires no work on your part.

If you need cheaper car insurance rates, we recommend you get insurance quotes from several independent insurance agents to have the most options to choose from.

The following is a list of independent insurance agents in Cleveland that may be able to give you free price quotes.


3100 W 25th St - Cleveland, OH 44109 - (216) 281-3900 - View Map


55 Public Square #1650 - Cleveland, OH 44113 - (216) 696-3000 - View Map


16700 Chagrin Blvd - Cleveland, OH 44120 - (216) 752-7100 - View Map

More Cleveland agents

Exclusive Insurance Agencies

Agents in the exclusive channel can only provide one company's prices and examples are American Family, State Farm, and Allstate. These agents are unable to place coverage with different providers so always compare other rates. Exclusive agents are well schooled on their company's products which helps them compete with independent agents.

Listed below is a short list of exclusive agents in Cleveland that are able to give comparison quotes.


4219 W 210th St - Fairview Park, OH 44126 - (440) 331-3111 - View Map


2700 W 25th St - Cleveland, OH 44113 - (216) 621-3723 - View Map


624 Alpha Dr - Cleveland, OH 44143 - (440) 827-2084 - View Map

More Cleveland agents

Selecting an auto insurance agent requires more thought than just the premium amount. Any agent in Cleveland should have no problem answering these questions:

After you get positive responses to these questions as well as a price you're happy with, most likely you have located a car insurance agent that is a good match to adequately provide car insurance.

Auto insurance companies are expert advertisers

Respected companies like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. All the ads advertise the message about savings if you just switch your auto insurance policy to them. How do they all say the same thing? Here is how they do it.

All the different companies have a certain "appetite" for the type of driver that will add to their bottom line. For instance, a profitable risk profile might be described as over the age of 50, has had continuous coverage, and chooses high deductibles. A propective insured that fits those parameters is entitled to the best price and will cut their rates substantially.

Drivers who may not quite match the requirements will see more expensive rates and this can result in the customer buying from someone else. If you listen closely, the ads state "customers who switch" but not "all drivers who get quotes" save that much money. That's the way companies can lure you into getting a quote.

This really illustrates why drivers should compare rate quotes every year. It's just too difficult to predict which auto insurance company will give you lower rates than your current company.

Which is the best auto insurance?

Always keep in mind that when comparing a policy for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.Drive safe and save

For instance, these questions may help you determine whether your personal situation could use an agent's help.

If it's difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

A little work can save a LOT of money

Insureds leave their current company for a variety of reasons including high prices, policy cancellation, denial of a claim or even poor customer service. It doesn't matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, never reduce needed coverages to save money. In many instances, an insured cut physical damage coverage and discovered at claim time they didn't purchase enough coverage. Your focus should be to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

A few companies do not offer online quoting and these smaller providers prefer to sell through independent agencies. Affordable Dodge Ram insurance in Cleveland is available on the web in addition to many Cleveland insurance agents, so compare prices from both to have the best chance of lowering rates.

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