Auto Insurance Quotes for a Dodge Ram in Fort Wayne

Everyone knows that car insurance companies don’t want policyholders to shop around. Consumers who compare rates once a year will presumably switch companies because there are good odds of finding a cheaper policy. A recent survey discovered that people who compared rate quotes regularly saved approximately $860 a year as compared to drivers who never compared rates.

If finding the cheapest price for insurance in Fort Wayne is your ultimate objective, then having some insight into the best way to shop and compare insurance can make the process more efficient.

Insurance quote for Dodge Ram in Fort WayneThe best way to get affordable auto insurance rates in Fort Wayne is to start comparing rates regularly from companies that sell auto insurance in Indiana. You can compare rates by following these steps.

Step 1: Try to comprehend what is in your policy and the steps you can take to prevent expensive coverage. Many risk factors that increase rates like accidents, traffic violations, and a poor credit score can be controlled by being financially responsible and driving safely.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of companies.

Step 3: Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

A good tip to remember is to try to compare similar deductibles and liability limits on each quote request and and to get price estimates from as many companies as possible. Doing this guarantees a fair price comparison and maximum price selection.

Best companies for Dodge Ram insurance

The companies shown below have been selected to offer free rate quotes in Fort Wayne, IN. To locate cheap auto insurance in Indiana, we suggest you visit as many as you can to find the most affordable car insurance rates.

Rates and data analysis

The data table displayed next outlines a range of insurance prices for Dodge Ram models. Being able to understand how rates are determined is important to be able to make informed decisions when shopping around for a new policy.


Dodge Ram Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $276 $358 $416 $24 $124 $1,198 $100
Ram Quad Cab TRX4 Off Road 2WD $310 $436 $416 $24 $124 $1,310 $109
Ram Quad Cab SLT 2WD $310 $436 $416 $24 $124 $1,310 $109
Ram Crew Cab ST 2WD $310 $436 $416 $24 $124 $1,310 $109
Ram Quad Cab ST 4WD $310 $436 $416 $24 $124 $1,310 $109
Ram Crew Cab SLT 2WD $310 $436 $416 $24 $124 $1,310 $109
Ram Crew Cab TRX 2WD $310 $436 $416 $24 $124 $1,310 $109
Ram Quad Cab SLT 4WD $310 $436 $416 $24 $124 $1,310 $109
Ram Crew Cab ST 4WD $310 $436 $416 $24 $124 $1,310 $109
Ram Crew Cab Sport 2WD $346 $514 $416 $24 $124 $1,424 $119
Ram Quad Cab Sport 2WD $346 $514 $416 $24 $124 $1,424 $119
Ram Quad Cab TRX4 Off Road 4WD $346 $514 $416 $24 $124 $1,424 $119
Ram Crew Cab TRX 4WD $346 $514 $416 $24 $124 $1,424 $119
Ram Crew Cab SLT 4WD $346 $514 $416 $24 $124 $1,424 $119
Ram Quad Cab Laramie 2WD $346 $514 $416 $24 $124 $1,424 $119
Ram Crew Cab Laramie 2WD $346 $514 $416 $24 $124 $1,424 $119
Ram Crew Cab Sport 4WD $346 $514 $416 $24 $124 $1,424 $119
Ram Quad Cab Sport 4WD $346 $514 $416 $24 $124 $1,424 $119
Ram Crew Cab Laramie 4WD $346 $592 $416 $24 $124 $1,502 $125
Ram Quad Cab Laramie 4WD $346 $592 $416 $24 $124 $1,502 $125
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can affect coverage prices noticeably.

Age, gender, and Dodge Ram insurance

The example below compares Dodge Ram insurance rates for male and female drivers. The price estimates are based on no claims or driving violations, comp and collision included, $250 deductibles, drivers are not married, and no policy discounts are applied.

Save with these discounts

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so we researched a few of the more common and also the lesser-known credits that may apply to you.

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

The chart below shows the difference between Dodge Ram auto insurance costs with and without some available policy discounts. The premiums are based on a female driver, no claims or driving citations, Indiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, homeowner, marriage, and multi-car discounts applied.

A few popular companies and their offered discounts are outlined below.

If you need lower rates, check with each insurance company what discounts are available to you. A few discounts may not be available in your area. To see a list of companies that offer discounts in Fort Wayne, click here.

Neighborhood Fort Wayne auto insurance agents

A lot of people would rather get professional advice from a licensed agent and doing so can bring peace of mind Most agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rate quotes online is the fact that drivers can get cheap rate quotes but also keep your business local.

Insurance agents in Fort WayneBy using this short form, the coverage information is immediately sent to agents in your area that give free quotes for your coverage. It’s much easier because you don’t need to leave your house since price quotes are sent immediately to you. In the event you want to quote rates from a specific company, don’t hesitate to visit that company’s website and give them your coverage information.

Choosing a provider requires more thought than just a low price. These are some valid questions you should ask.

What type of Fort Wayne auto insurance agent is right for you?

If you want to buy auto insurance from a reputable agency, it’s helpful to know the types of insurance agents and how they can write your policy. Auto insurance agents can be described as either exclusive or independent. Either one can sell affordable auto insurance policies, but it’s worth learning the difference between them because it may have an impact on the type of agent you choose.

Exclusive Agencies

Agents that choose to be exclusive normally can only provide a single company’s rates like Allstate, State Farm and Farmers Insurance. They generally cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are usually well trained in insurance sales which helps them sell on service rather than price. Consumers frequently purchase coverage from exclusives primarily because of the brand and the convenience of having a single billing for all their coverages.

Shown below are Fort Wayne exclusive insurance agents that are able to give price quote information.

More insurance agents

Independent Auto Insurance Agencies

Agents that elect to be independent often have many company appointments so they can write business with any number of different companies depending on which coverage is best. If you want to switch companies, they simply move the coverage in-house and that require little work on your part.

If you are trying to find cheaper rates, you should always get insurance quotes from independent agents in order to compare the most rates. They also have the ability to place coverage with smaller companies that may have much lower rates than larger companies.

Shown below is a list of independent agents in Fort Wayne that are able to give rate quotes.

More insurance agents

After getting good feedback to any questions you may have in addition to an acceptable price estimate, chances are good that you have found an insurance agent that can be trusted to insure your vehicles. But keep in mind you are able to cancel your coverage whenever you choose to so never assume you are locked into the auto insurance policy for the full term.

Quote more and you will save more

Cost effective Dodge Ram insurance can be found both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide online rate quotes and usually these regional carriers only sell coverage through local independent agencies.

Throughout this article, we presented some good ideas how you can find affordable Dodge Ram insurance in Fort Wayne. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Fort Wayne auto insurance quotes. Drivers may even discover the best prices are with a lesser-known regional company.

Drivers leave their current company for any number of reasons including lack of trust in their agent, unfair underwriting practices, an unsatisfactory settlement offer and poor customer service. Regardless of your reason, switching companies can be easier than you think.

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