Best Quotes for Dodge Ram 2500 Insurance in Newark

Insurance for Dodge Ram 2500If your goal is the lowest price, then the best way to get cheaper Dodge Ram 2500 insurance is to start comparing prices yearly from insurers who provide car insurance in Newark. Prices can be compared by completing these steps.

A good piece of advice is that you’ll want to compare the same physical damage deductibles and liability limits on every quote request and and to get rates from as many carriers as you can. Doing this helps ensure a fair price comparison and a thorough price selection.

Smart shoppers know that auto insurance companies don’t want you shop around. Consumers who shop around annually will probably switch companies because there is a high probability of finding a policy with better rates. A recent survey found that drivers who compared prices once a year saved $3,500 over four years as compared to drivers who never shopped around for cheaper prices.

If finding discount rates on Dodge Ram 2500 insurance is your ultimate target, then knowing how to shop for insurance coverage can save money and time.

Keep in mind that getting more free quotes will increase your chances of finding the best offered rates. Not every company does rate quotes online, so it’s important to compare prices from them, too.

The providers in the list below are ready to provide quotes in Newark, NJ. If you wish to find the best auto insurance in Newark, we recommend you compare several of them to get a more complete price comparison.

Rates and data analysis

The data table displayed next outlines a range of insurance prices for Dodge Ram 2500 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 2500 Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 2500 Crew Cab ST 2WD $532 $880 $712 $42 $212 $2,378 $198
Ram 2500 Crew Cab SLT 2WD $532 $1014 $712 $42 $212 $2,512 $209
Ram 2500 Mega Cab SLT 2WD $532 $1014 $712 $42 $212 $2,512 $209
Ram 2500 Crew Cab Laramie 2WD $532 $1014 $712 $42 $212 $2,512 $209
Ram 2500 Crew Cab ST 2WD $532 $1014 $712 $42 $212 $2,512 $209
Ram 2500 Mega Cab Laramie 2WD $532 $1014 $712 $42 $212 $2,512 $209
Ram 2500 Crew Cab ST 4WD $592 $880 $712 $42 $212 $2,438 $203
Ram 2500 Crew Cab SLT 2WD $592 $1014 $712 $42 $212 $2,572 $214
Ram 2500 Mega Cab SLT 2WD $592 $1014 $712 $42 $212 $2,572 $214
Ram 2500 Mega Cab SLT 4WD $592 $880 $712 $42 $212 $2,438 $203
Ram 2500 Crew Cab SLT 4WD $592 $880 $712 $42 $212 $2,438 $203
Ram 2500 Crew Cab Laramie 2WD $592 $1146 $712 $42 $212 $2,704 $225
Ram 2500 Mega Cab Laramie 2WD $592 $1146 $712 $42 $212 $2,704 $225
Ram 2500 Crew Cab ST 4WD $592 $880 $712 $42 $212 $2,438 $203
Ram 2500 Mega Cab Laramie 4WD $592 $880 $712 $42 $212 $2,438 $203
Ram 2500 Crew Cab Laramie 4WD $592 $880 $712 $42 $212 $2,438 $203
Ram 2500 Mega Cab SLT 4WD $654 $1014 $712 $42 $212 $2,634 $220
Ram 2500 Crew Cab SLT 4WD $654 $1014 $712 $42 $212 $2,634 $220
Ram 2500 Crew Cab Laramie 4WD $654 $1014 $712 $42 $212 $2,634 $220
Ram 2500 Mega Cab Laramie 4WD $654 $1014 $712 $42 $212 $2,634 $220
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey 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.

The illustration below demonstrates how deductible levels and can raise or lower Dodge Ram 2500 yearly insurance costs for each different age group. The data assumes a married female driver, full physical damage coverage, and no other discounts are factored in.

Dodge Ram 2500 insurance premiums by gender and age

The example below illustrates the comparison of Dodge Ram 2500 insurance rates for male and female drivers. The premiums are based on no violations or claims, full coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Insurance policy discounts for Dodge Ram 2500 insurance in Newark

Companies don’t necessarily list all available discounts in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous credits that you can use to lower your rates.Cheaper insurance with discounts

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount should help lower the amount you have to pay.

The chart below illustrates the comparison of Dodge Ram 2500 auto insurance costs with and without policy discounts. The rate quotes are based on a female driver, no claims or driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, homeowner, multi-policy, and claim-free discounts applied.

Insurance companies who might offer these benefits are:

If you are trying to find the cheapest Dodge Ram 2500 rate quotes, ask each insurance company what discounts are available to you. Discounts may not be offered in Newark. To choose insurers who offer free Dodge Ram 2500 insurance quotes in New Jersey, click here to view.

Buying the right Dodge Ram 2500 insurance in New Jersey is an important decision

Even though Newark Ram 2500 insurance rates can get expensive, insuring your vehicle is required by state law in New Jersey and it also provides benefits you may not be aware of.

The benefits of carrying adequate insurance more than offset the price you pay, particularly if you ever have a claim. But the average driver in New Jersey is wasting up to $869 every year so it’s important to compare rates at every policy renewal to ensure rates are competitive.

What is the best auto insurance company in New Jersey?

Picking the right car insurance company can be difficult considering how many different companies there are to choose from in New Jersey. The information listed below could help you select which car insurance companies to look at comparing rates from.

Best Auto Insurance Companies in Newark
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

Your auto insurance coverage should be tailored to you

When it comes to choosing coverage, there isn’t really a one size fits all plan. Your situation is unique.Higher deductibles save money

Here are some questions about coverages that can help discover if you might need professional guidance.

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Buying from car insurance agents

Some consumers still like to visit with an insurance agent and that is a personal choice. A good thing about price shopping on the web is that you can obtain cheap rate quotes but also keep your business local.

Find insurance agent in NewarkOnce you complete this simple form, your coverage information is emailed to companies in Newark that provide free Newark auto insurance quotes for your coverage. You never need to find an agent because prices are sent to you. Get lower rates and a licensed agent to work with. If for some reason you want to get a rate quote from one company in particular, you can always jump over to their website and fill out the quote form the provide.

Selecting a insurer should include more criteria than just the bottom line cost. These are valid questions to ask:

Exclusive agents vs. Independent agents

When looking for a local insurance agency, there are two different types of agents to choose from. Insurance agents in Newark can be classified as either exclusive or independent.

Exclusive Agents

Agents in the exclusive channel can only provide one company’s prices and some examples include Allstate, State Farm and Farm Bureau. These agents are not able to give you multiple price quotes so always compare other rates. Exclusive agencies are well trained on what they offer which helps offset the inability to provide other markets.

Shown below are Newark exclusive insurance agents that are able to give comparison quotes.

681 1/2 Mt Prospect AveNewark, NJ 07104(973) 484-5772View Map

66 Wilson AveNewark, NJ 07105(973) 690-6400View Map

41 Wilson AveNewark, NJ 07105(973) 732-2105View Map

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Independent Insurance Agents

These agents do not sell for just one brand so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply switch companies in-house without you having to go to a different agency.

When shopping rates, we recommend you contact a few independent agents to get the best comparison.

Shown below are independent insurance agencies in Newark that can give you price quote information.

Knight Insurance Consulting Group
454 Washington StNewark, NJ 07102(973) 704-1024View Map

Dependable Insurance Agency Inc
1030 S Orange AveNewark, NJ 07106(973) 372-0002View Map

338 Washington AveBelleville, NJ 07109(973) 759-8291View Map

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Once you have received good feedback for all questions you ask in addition to an acceptable price estimate, chances are good that you have found an insurance agent that is reputable and can service your policy. Just keep in mind it’s your policy and you can terminate your policy when you choose so never feel that you’re stuck with a specific company for a certain time period.