Has it been over a year since you last compared quotes for more competitive Dodge Ram insurance in Cincinnati? Wish you could get out of an expensive auto insurance policy? Believe me, you're not alone.

Discount Dodge Ram insuranceSadly, most auto insurance customers have stayed with the same insurance company for more than four years, and roughly 40% of drivers have never compared rates with other companies. Ohio drivers can save hundreds of dollars each year just by shopping around, but they won't spend time to do a rate comparison.

Many insurers vie to insure your vehicles, so it can be very hard to choose a provider to discover the definitive best price available on Dodge Ram insurance in Cincinnati.

If you are insured now, you should be able to reduce the price you pay using the ideas presented in this article. Finding the cheapest coverage in Cincinnati seems hard but is not really that difficult. Although Ohio consumers can benefit by having an understanding of how the larger insurance companies price insurance differently and use it to your advantage.

Companies offering low-cost Dodge Ram prices in Cincinnati, OH

The companies in the list below offer price quotes in Ohio. If multiple companies are listed, we recommend you get prices from several of them to find the most affordable auto insurance rates.

Dodge Ram Insurance Price Estimates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $94 $150 $290 $18 $86 $638 $53
Ram Quad Cab TRX4 Off Road 2WD $190 $346 $270 $16 $80 $902 $75
Ram Quad Cab SLT 2WD $184 $238 $336 $20 $100 $878 $73
Ram Crew Cab ST 2WD $214 $346 $262 $16 $78 $916 $76
Ram Quad Cab ST 4WD $216 $406 $310 $18 $92 $1,042 $87
Ram Crew Cab SLT 2WD $220 $364 $346 $20 $104 $1,054 $88
Ram Crew Cab TRX 2WD $138 $234 $290 $18 $86 $766 $64
Ram Quad Cab SLT 4WD $190 $346 $290 $18 $86 $930 $78
Ram Crew Cab ST 4WD $140 $186 $336 $20 $100 $782 $65
Ram Crew Cab Sport 2WD $176 $322 $310 $18 $92 $918 $77
Ram Quad Cab Sport 2WD $134 $252 $310 $18 $92 $806 $67
Ram Quad Cab TRX4 Off Road 4WD $204 $280 $336 $20 $100 $940 $78
Ram Crew Cab TRX 4WD $246 $416 $256 $16 $76 $1,010 $84
Ram Crew Cab SLT 4WD $220 $348 $256 $16 $76 $916 $76
Ram Quad Cab Laramie 2WD $154 $276 $270 $16 $80 $796 $66
Ram Crew Cab Laramie 2WD $252 $348 $336 $20 $100 $1,056 $88
Ram Crew Cab Sport 4WD $130 $248 $334 $20 $100 $832 $69
Ram Quad Cab Sport 4WD $240 $478 $310 $18 $92 $1,138 $95
Ram Crew Cab Laramie 4WD $240 $550 $310 $18 $92 $1,210 $101
Ram Quad Cab Laramie 4WD $238 $468 $262 $16 $78 $1,062 $89
Get Your Own Custom Quote Go

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can revise premiums substantially.

Male drivers versus female drivers

The illustration below shows the comparison of Dodge Ram yearly insurance costs for male and female drivers. The data is based on no accidents or driving violations, full coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Auto insurance quotes and discounts

Some companies do not list all available discounts in a way that's easy to find, so the following list contains a few of the more well known and also the lesser-known discounts you could be receiving when you buy Cincinnati auto insurance online.Auto insurance discounts

Discounts save money, but please remember that most discounts do not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, it doesn't quite work that way. But any discount should help reduce your auto insurance premiums.

The best auto insurance companies and a selection of discounts include:

Check with every company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies in Cincinnati. To see companies that provide some of the discounts listed above in Cincinnati, follow this link.

Car insurance is available from local insurance agents

A lot of people still prefer to sit down with an agent and that is a smart decision The best thing about getting online price quotes is that you can find lower prices and still have a local agent. And providing support for neighborhood insurance agencies is important particularly in Cincinnati.

For easy comparison, once you complete this short form, the quote information gets sent to local insurance agents in Cincinnati that can give you free Cincinnati auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to leave your computer since rate quotes are delivered directly to you. You can find better rates without requiring a lot of work. If for some reason you want to compare rates from a particular provider, don't hesitate to go to their quote page and complete a quote there.

When searching for a good insurance agency, there are two different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in Cincinnati can be described as either exclusive or independent.

Independent Car Insurance Agents (or Brokers)

These agents do not write with just one company and that is an advantage because they can write policies with many different companies and get the cheapest rates. If they find a lower price, they simply move the coverage in-house and you can keep the same agent.

When searching for an agent, it's recommended you get quotes from a few independent agents so that you have a good selection of quotes to compare.

Featured below is a list of independent insurance agencies in Cincinnati that may be able to give you pricing information.


7520 Montgomery Rd # 2 - Cincinnati, OH 45236 - (513) 791-6060 - View Map


120 E 4th St # 1000 - Cincinnati, OH 45202 - (513) 621-2020 - View Map


2035 Reading Rd - Cincinnati, OH 45202 - (513) 221-1140 - View Map

View more agents

Exclusive Agents

Exclusive agents can only provide one company's prices and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide prices from multiple companies so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents.

Listed below are exclusive insurance agents in Cincinnati who can help you get comparison quotes.


8952 Winton Rd - Cincinnati, OH 45231 - (513) 681-6400 - View Map


9018 Reading Rd - Cincinnati, OH 45215 - (513) 563-9099 - View Map


5062 Delhi Ave - Cincinnati, OH 45238 - (513) 451-8700 - View Map

View more agents

Choosing the best auto insurance agent needs to be determined by more than just a cheap quote. Some important questions to ask are:

Can you really save if you switch?

Respected companies like GEICO, State Farm and Progressive constantly bombard you with television, radio, and online ads. They all advertise the message that you'll save big if you change your policy. How is it possible that every company can have lower policy pricing? This is how they do it.

Insurance companies offer their best rates for the type of driver that earns them the most money. For example, a driver they prefer might be between 30 and 50, has never had a policy lapse, and drives less than 5,000 miles a year. Someone who fits that profile will get the preferred prices in Cincinnati as well as save money with a new company.

People who fall outside those standards will probably be forced to pay a higher premium which results in business not being written. The wording the ads use say "people who switch" not "everybody who quotes" will save that much if they switch. This is how insurance companies can confidently state the savings.

This really emphasizes why you should compare price quotes frequently. It is impossible to guess the company that will have the lowest rate quotes.

Auto insurance specifics

Understanding the coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for things like prosthetic devices, hospital visits, surgery and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, colliding with another moving vehicle, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It's also possible to bump up the deductible on your Ram to bring the cost down.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you against other people's claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like legal defense fees, structural damage, loss of income and bail bonds. How much coverage you buy is up to you, but buy as high a limit as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but it's recommended drivers buy more liability than the minimum.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Ram.

Because many people only carry the minimum required liability limits (Ohio limits are 25/50/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, fire damage, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Cheaper auto insurance is a realistic goal

More affordable auto insurance in Cincinnati is attainable on the web in addition to local insurance agencies, so get free Cincinnati auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and these regional carriers provide coverage only through independent agents.

As you go through the steps to switch your coverage, don't be tempted to reduce coverage to reduce premium. There have been many cases where drivers have reduced full coverage only to regret at claim time they didn't have enough coverage. Your goal is to get the best coverage possible at a price you can afford, but don't skip important coverages to save money.

More detailed auto insurance information is located in these articles: