Are you looking for a better way to compare low-cost Dodge Ram insurance in Birmingham? Did you come to the realization that you have an overpriced auto insurance policy? You're in good company because many Birmingham drivers have buyer's remorse.
A recent study showed that nearly 70% of consumers kept buying from the same company for at least four years, and almost half have never shopped around. Many drivers in the U.S. can save approximately $859 each year just by getting comparison quotes, but they underestimate the big savings they would realize if they switched to a more affordable policy.
Due to the large number of choices for buying lower-cost insurance for a Dodge Ram in Birmingham, it is hard for the average consumer to find the most affordable company.
Cheaper rates on Dodge Ram insurance in Birmingham with these auto insurance discounts
Auto insurance companies don't always advertise every available discount very well, so here is a list some of the best known and also the more inconspicuous discounts that may be available.
- Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
- Seat Belts Save more than Lives - Drivers who require all vehicle occupants to use a seat belt can save up to 15% off PIP or medical payments premium.
- Discount for Home Ownership - Owning a house in Birmingham can help you save on auto insurance because of the fact that having a home requires personal responsibility.
- Good Students Pay Less - Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.
- Early Renewal Discounts - Some insurance companies provide a discount for switching policies early. You can save around 10% with this discount.
- Military Rewards - Having an actively deployed family member could mean lower prices.
- Theft Prevention System - Anti-theft and alarm system equipped vehicles are stolen with less frequency and earn discounts up to 10% off your Birmingham car insurance quote.
- Driver Safety - Taking part in a driver safety course can save you 5% or more and easily pay for the cost of the class.
- Multi-Vehicle Discounts - Drivers who insure multiple vehicles on one policy could earn a price break for each car.
A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free auto insurance policy, companies wouldn't make money that way.
A few companies that possibly offer some of the discounts shown above possibly include:
If you want affordable Birmingham car insurance quotes, ask every prospective company what discounts are available to you. Some credits may not apply to policyholders in Birmingham. For a list of providers with significant discounts in Alabama, follow this link.
How to compare Birmingham Dodge Ram insurance quotes
To find the best insurance prices, there are several ways to compare rate quotes from different companies. The recommended way to find the cheapest insurance rates is to get quotes online.
Comparing price quotes online is fast and free, and it makes it obsolete to drive around to and from local Birmingham insurance agencies. The ability to get quotes online makes this unnecessary unless you require the professional guidance that only a licensed agent can provide. Drivers can price shop your coverage online but buy from a local insurance agent. When quoting insurance, remember that comparing more prices helps improve the odds of finding the best rates. Not every company allows you to get online Birmingham Ram insurance quotes, so it's necessary to compare prices on coverage from those companies, too.
The companies in the list below are our best choices to provide comparison quotes in Birmingham, AL. If multiple companies are shown, it's highly recommended you compare several of them to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$298||$360||$500||$30||$150||$1,338||$112|
|Ram Quad Cab TRX4 Off Road 2WD||$176||$270||$388||$24||$116||$974||$81|
|Ram Quad Cab SLT 2WD||$256||$446||$366||$22||$110||$1,200||$100|
|Ram Crew Cab ST 2WD||$166||$254||$392||$24||$118||$954||$80|
|Ram Quad Cab ST 4WD||$140||$230||$358||$22||$108||$858||$72|
|Ram Crew Cab SLT 2WD||$156||$284||$430||$26||$128||$1,024||$85|
|Ram Crew Cab TRX 2WD||$252||$452||$430||$26||$128||$1,288||$107|
|Ram Quad Cab SLT 4WD||$286||$430||$388||$24||$116||$1,244||$104|
|Ram Crew Cab ST 4WD||$282||$540||$430||$26||$128||$1,406||$117|
|Ram Crew Cab Sport 2WD||$230||$326||$500||$30||$150||$1,236||$103|
|Ram Quad Cab Sport 2WD||$224||$400||$514||$30||$154||$1,322||$110|
|Ram Quad Cab TRX4 Off Road 4WD||$358||$710||$462||$28||$138||$1,696||$141|
|Ram Crew Cab TRX 4WD||$158||$276||$366||$22||$110||$932||$78|
|Ram Crew Cab SLT 4WD||$202||$326||$382||$22||$114||$1,046||$87|
|Ram Quad Cab Laramie 2WD||$262||$480||$462||$28||$138||$1,370||$114|
|Ram Crew Cab Laramie 2WD||$156||$270||$358||$22||$108||$914||$76|
|Ram Crew Cab Sport 4WD||$354||$606||$388||$24||$116||$1,488||$124|
|Ram Quad Cab Sport 4WD||$314||$584||$496||$30||$148||$1,572||$131|
|Ram Crew Cab Laramie 4WD||$354||$696||$388||$24||$116||$1,578||$132|
|Ram Quad Cab Laramie 4WD||$256||$506||$366||$22||$110||$1,260||$105|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can influence coverage prices substantially.
Rate comparison of full coverage and liability-only
The illustration below shows the comparison of Dodge Ram insurance costs when comparing full coverage to liability only. The premiums are based on no accidents or driving violations, $100 deductibles, married female driver, and no policy discounts are applied.
When to buy liability coverage only
There is no clear-cut formula of when to stop paying for comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let's say your Dodge Ram book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If you are paying over $400 a year for full coverage, then it's probably a good time to buy liability coverage only.
There are a few situations where buying only liability insurance is not in your best interest. If you haven't paid off your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Insurance agents can find coverage gaps
Many drivers would rather talk to an insurance agent and there is nothing wrong with that. A nice benefit of price shopping on the web is you may find the lowest rates and still have a local agent.
After filling out this quick form, your insurance coverage information is sent to companies in Birmingham who will give you bids for your insurance coverage. You don't have to drive around due to the fact that quote results will go immediately to you. You'll get the best rates without having to waste a lot of time. If you want to compare rates from a particular provider, you would need to search and find their rate quote page and complete a quote there.
Finding the right provider is decision based upon more than just a cheap price quote. These questions are important to ask:
- Are they actively involved in the community?
- Is there any savings for paying the full premium?
- What kind of financial rating does the company have?
- Do you work with a CSR or direct with the agent?
- What insurance companies do they work with in Birmingham?
Pick the best car insurance agent in Birmingham for you
If you're trying to find a local insurance agency, you must know there are a couple types of agencies and how they differ in how they quote coverages. Auto insurance agencies are categorized either exclusive or independent (non-exclusive).
Exclusive agencies can only provide pricing for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to compare rates from other companies so you might not find the best rates. They are trained well on what they offer which helps them sell on service rather than price.
Below is a short list of exclusive insurance agencies in Birmingham who can help you get price quote information.
Independent Agents (or Brokers)
These type of agents do not have single company limitations so as a result can place your coverage through many companies and potentially find a lower price. If prices rise, they simply switch companies in-house and the insured can keep the same agent. When comparing auto insurance prices, it's a good idea to get some free quotes from multiple independent agents to have the best price comparison.
Listed below is a list of independent insurance agencies in Birmingham who can help you get price quote information.
Once you have good answers for all questions you ask as well as affordable Dodge Ram insurance rates in Birmingham quotes, it's a good possibility that you have found an insurance agency that is professional and can properly service your auto insurance policy. It's important to know that once you purchase a policy you can cancel coverage whenever you wish so never feel you are locked into a specific company with no way out.
You can lower your insurance rates
Discount Dodge Ram insurance in Birmingham is available on the web as well as from independent agents in Birmingham, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online price quotes and most of the time these regional carriers only sell coverage through independent agencies.
Throughout this article, we presented many tips how you can find affordable Dodge Ram insurance in Birmingham. The key thing to remember is the more rate quotes you have, the better likelihood of getting inexpensive Birmingham car insurance quotes. You may even be surprised to find that the best price on insurance is with a smaller regional carrier. They often have lower prices on specific markets compared to the large companies like Allstate or State Farm.
Much more information about insurance in Alabama is located on the following sites: