Cheap Dodge Ram Wagon 1500 Car Insurance in 2024 (Top 10 Low-Cost Providers)
The leading providers of cheap Dodge Ram Wagon 1500 car insurance are AAA, Travelers, and Erie, offering rates starting at $85 per month. They stand out with comprehensive coverage and offer competitive local options. Get the best rates for your Dodge Ram Wagon 1500 with these top providers.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 4, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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1,731 reviewsCompany Facts
Min. Coverage for Dodge Ram Wagon 1500
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
1,814 reviewsCompany Facts
Min. Coverage for Dodge Ram Wagon 1500
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviewsLooking for cheap Dodge Ram Wagon 1500 car insurance? AAA stands out as the top pick overall, offering comprehensive coverage starting at just $85 per month.
Travelers and Erie also rank among the best with competitive rates and tailored options for low-risk and local-focused needs, respectively. Discover more by delving into our article titled “Dodge Car Insurance Discount.”
Our Top 10 Company Picks: Cheap Dodge Ram Wagon 1500 Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $85 | A | Member Benefits | AAA |
 | #2 | $86 | A++ | Low Risk | Travelers |
 | #3 | $87 | A+ | Local Focus | Erie |
 | #4 | $88 | A+ | Competitive Rates | Nationwide |
 | #5 | $89 | A | Affordable Coverage | Mercury |
 | #6 | $90 | A+ | Bundling Options | Allstate |
 | #7 | $91 | A+ | Customer Service | The Hartford |
 | #8 | $92 | A | Multi-Policy Discounts | Farmers |
 | #9 | $93 | A+ | Customer Satisfaction | Amica |
 | #10 | $95 | A | Online Discounts | Liberty Mutual |
This article explores how these insurers provide affordable premiums while ensuring robust coverage, helping you make informed decisions for your vehicle insurance. See if you’re getting the best deal on car insurance by entering your ZIP code above.
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#1 – AAA : Top Overall Pick
Pros
- Member Benefits: AAA offers a range of exclusive benefits to its members, including discounts on various services and products, which can extend to car insurance premiums. Dive into the details with our article entitled “AAA Insurance Review & Ratings.”
- Extensive Network: With a large network of branches and service providers, AAA ensures easy access to assistance and support for its customers.
- Roadside Assistance: AAA is renowned for its reliable roadside assistance services, providing peace of mind to drivers in case of emergencies.
Cons
- Limited Availability: AAA coverage may not be available in all areas, limiting options for some drivers.
- Membership Required: To access AAA’s insurance offerings, individuals must become members, which involves additional costs beyond insurance premiums.
#2 – Travelers: Best for Low Risk
Pros
- Low Risk: Travelers is known for offering competitive rates to low-risk drivers, making it an attractive option for those with clean driving records.
- Financial Stability: With an A++ rating from A.M. Best, Travelers demonstrates strong financial stability, assuring customers of its ability to fulfill claims.
- Customizable Policies: Travelers offers customizable insurance policies, allowing drivers to tailor coverage to their specific needs and budget.
Cons
- Limited Availability: Travelers may not operate in all states, restricting access for some drivers. Gain deeper insights by perusing our article named “Travelers Car Insurance Review & Ratings.”
- Average Customer Service: While Travelers excels in financial stability, some customers have reported average satisfaction with its customer service experience.
#3 – Erie: Best for Local Focus
Pros
- Local Focus: Erie Insurance has a strong local presence in select regions, providing personalized service and support to customers in those areas.
- Competitive Rates: Erie offers competitive rates for its car insurance policies, making it an appealing option for budget-conscious drivers.
- High Customer Satisfaction: Erie is known for its high customer satisfaction ratings, indicating a positive experience for many policyholders.
Cons
- Limited Availability: Erie Insurance operates primarily in specific regions, limiting its availability to drivers in other areas.
- Fewer Coverage Options: Compared to larger insurers, Erie may offer fewer coverage options and discounts, potentially limiting choices for some drivers. Explore further in our article titled “Erie Insurance Review & Ratings.”
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#4 – Nationwide: Best for Competitive Rates
Pros
- Competitive Rates: Nationwide offers competitive rates for car insurance, making it an attractive option for budget-conscious customers.
- Wide Coverage Options: Nationwide provides a range of coverage options to suit different needs and preferences, ensuring customers can find the right level of protection.
- Strong Financial Stability: With an A+ rating from A.M. Best, Nationwide demonstrates strong financial stability, providing customers with peace of mind regarding the company’s ability to meet its obligations.
Cons
- Limited Discounts: Nationwide may have fewer discount options compared to some competitors, potentially resulting in higher premiums for customers who do not qualify for available discounts.
- Mixed Customer Service Reviews: While Nationwide generally offers satisfactory customer service, some customers may have experienced issues with claims processing or responsiveness.
#5 – Mercury: Insurance Best for Affordable
Pros
- Affordable Coverage: Broaden your knowledge with our article named “Mercury Insurance Review & Ratings.”offers affordable coverage options, making it an appealing choice for customers seeking budget-friendly insurance solutions.
- Quick Claims Processing: Mercury Insurance is known for its efficient claims processing, ensuring customers receive timely assistance and reimbursement in the event of an accident or loss.
Cons
- Limited Availability: Mercury Insurance may have limited availability in certain regions, restricting access for potential customers outside of its coverage area.
- Average Customer Satisfaction Ratings: While Mercury Insurance provides adequate coverage, some customers have reported mixed experiences with customer service and claims handling.
#6 – Allstate: Best for Bundling Options
Pros
- Bundling Options: Allstate offers bundling options for customers who want to combine their car insurance with other policies, such as homeowners or renters insurance, potentially leading to cost savings.
- Nationwide Presence: With a strong nationwide presence, Allstate provides customers with convenient access to insurance products and services across the country.
- New Vehicle Discounts: Drivers with a brand new Ram Wagon 1500 could save up to 15% on their premiums with Allstate’s insurance discount for new cars.
Cons
- Higher Premiums: Allstate may have higher premiums compared to some competitors, particularly for customers with certain risk profiles or coverage needs. Expand your understanding with our article called “Allstate Insurance Review & Ratings.”
- Mixed Customer Reviews: While Allstate generally receives positive feedback for its coverage options and bundling discounts, some customers have reported dissatisfaction with claims processing or billing issues.
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#7 – The Hartford: Best for Customer Service
Pros
- Customer Service: The Hartford is known for its exceptional customer service, providing prompt and helpful assistance to policyholders.
- Reputation: With a solid A+ rating from A.M. Best, The Hartford has established itself as a reliable and trustworthy insurance provider.
- Affordability: Despite its high ranking, The Hartford offers competitive rates, making it an attractive option for budget-conscious consumers.
Cons
- Limited Coverage Options: Some customers may find that The Hartford’s coverage options are not as extensive as those offered by other insurance companies. Delve into the specifics in our article called “The Hartford Insurance Review & Ratings.”
- Availability: The Hartford may not be available in all areas, limiting its accessibility to potential customers in certain regions.
#8 – Farmers: Best for Multi-Policy Discounts</strong
Pros
- Multi-Policy Discounts: Farmers offers attractive discounts for customers who bundle multiple insurance policies, allowing them to save money on their premiums.
- Financial Stability: With an A rating from A.M. Best, Farmers demonstrates strong financial stability, providing peace of mind to policyholders. For a comprehensive understanding, consult our article titled “Farmers Car Insurance Review & Ratings.”
- Customizable Coverage: Farmers allows customers to customize their coverage options to suit their specific needs and preferences.
Cons
- Average Customer Satisfaction: While Farmers has a good reputation overall, some customers may find its customer service and claims processing to be lacking compared to other insurers.
- Coverage Limitations: Farmers’ policies may have certain limitations or exclusions that could impact the level of protection provided to policyholders.
#9 – Amica: Best for Customer Satisfaction
Pros
- Customer Satisfaction: Amica consistently receives high marks for customer satisfaction, thanks to its attentive customer service and efficient claims handling.
- Financial Strength: With an A+ rating from A.M. Best, Amica demonstrates strong financial stability, instilling confidence in its policyholders. Access the complete picture in our What car insurance discounts does Amica Mutual Insurance Company offer?
- Discount Opportunities: Amica offers various discounts to help customers save on their premiums, including discounts for safe driving and bundling policies. What car insurance discounts does Amica Mutual Insurance Company offer?
Cons
- Limited Availability: Amica may not be available in all states, limiting its accessibility to potential customers in certain regions.
- Higher Premiums: While Amica provides excellent service and coverage, some customers may find that its premiums are slightly higher compared to other insurance providers.
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#10 – Liberty Mutual: Best for Online Discounts
Pros
- Online Discounts: Liberty Mutual offers discounts to customers who purchase their policies online, making it a convenient and cost-effective option for tech-savvy consumers. For additional insights, refer to our “Liberty Mutual Review & Ratings.”
- Range of Coverage Options: Liberty Mutual provides a wide range of coverage options to suit different needs and budgets, allowing customers to customize their policies accordingly.
- Financial Stability: With an A rating from A.M. Best, Liberty Mutual demonstrates strong financial stability, ensuring that it can fulfill its obligations to policyholders.
Cons
- Mixed Customer Reviews: While Liberty Mutual has many satisfied customers, some have reported issues with claims processing and customer service, leading to mixed reviews.
- Complex Pricing Structure: Liberty Mutual’s pricing structure may be complex, making it difficult for some customers to understand exactly what they’re paying for and compare quotes effectively.
Factors That Affect the Cost of Dodge Ram Wagon 1500 Car Insurance
Several key factors influence the cost of car insurance for your Dodge Ram Wagon 1500. These include:
Age and driving experience influence insurance premiums, with younger or less experienced drivers facing higher rates due to elevated risk. Gain deeper insights by perusing our article named “Cheap Dodge Ram Wagon 3500 Car Insurance.”
Your location impacts rates, as urban areas with higher traffic and crime tend to have pricier premiums.
Dodge Ram Wagon 1500 Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $85 | $140 |
| Allstate | $90 | $150 |
| Amica | $93 | $151 |
| Erie | $87 | $143 |
| Farmers | $92 | $148 |
| Liberty Mutual | $95 | $155 |
| Mercury | $89 | $146 |
| Nationwide | $88 | $145 |
| The Hartford | $91 | $149 |
| Travelers | $86 | $142 |
A clean driving record typically results in lower premiums, while coverage choices such as collision and liability affect costs.
Vehicle value and safety features also play a role, with newer vehicles or those with advanced safety tech often qualifying for lower rates. Opting for a higher deductible can lower premiums but increases out-of-pocket costs in claims. mileage may qualify for discounts.
Understanding the Different Types of Car Insurance Coverage for Dodge Ram Wagon 1500
It’s crucial to grasp the diverse coverage options before exploring the specifics of insuring your Dodge Ram Wagon 1500. Understanding these options empowers you to evaluate your insurance requirements and make educated choices. Dive into the details with our article entitled “Cheap Dodge Ram Van 1500 Car Insurance.”
- Liability Coverage: Liability protection is typically mandated by law in many states, offering financial security if you’re liable for injuries or property damage in an accident. This coverage aids in compensating medical bills and repair expenses for the other party.
- Collision Coverage: This insurance covers repair costs for your Dodge Ram Wagon 1500 from collisions, irrespective of fault. It’s crucial for safeguarding your vehicle investment in accidents involving other vehicles or objects.
- Comprehensive Coverage: Shield your Dodge Ram Wagon 1500 from non-collision perils like theft, vandalism, or natural disasters with comprehensive coverage. It assures financial security against various incidents beyond just accidents.
- Personal Injury Protection (PIP) Coverage: In addition to standard coverages, prioritize Personal Injury Protection (PIP) for your Dodge Ram Wagon 1500. It handles medical expenses and lost wages for you and your passengers, regardless of fault, ensuring comprehensive protection in accident scenarios.
Understanding the different types of car insurance coverage for your Dodge Ram Wagon 1500 is crucial for making informed decisions. Knowing the options available allows you to evaluate your insurance needs and select the best coverage.
Tim Bain Licensed Insurance Agent
This guide will help you navigate the essential coverage types, from liability to personal injury protection, ensuring your Dodge Ram Wagon 1500 is comprehensively protected.
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Tips for Finding the Best Car Insurance Deals for Dodge Ram Wagon 1500
Finding the best car insurance deals for your Dodge Ram Wagon 1500 requires some research and effort. Consider the following tips to help you secure the most favorable rates:
- Keep a clean driving record as it can lead to reduced insurance premiums.
- Explore bundling options by combining your car insurance with other policies for potential discounts.
- Compare prices and coverage from multiple insurance providers by obtaining quotes.
- Consider raising your deductible to potentially lower premiums, ensuring it remains affordable in case of a claim.
Remember, conducting thorough research and leveraging available discounts can lead to significant savings while ensuring you have the coverage you need. Explore further in our article titled “Cheap Dodge Ram Van 3500 Car Insurance.”
By implementing these tips, you can navigate the process of finding the best car insurance deals for your Dodge Ram Wagon 1500 with confidence. Remember, conducting thorough research and leveraging available discounts can lead to significant savings while ensuring you have the coverage you need.
The Average Cost of Insuring a Dodge Ram Wagon 1500
As previously discussed, the price of insuring a Dodge Ram Wagon 1500 can fluctuate due to various factors.
Nonetheless, the typical yearly expense for comprehensive insurance on a Dodge Ram Wagon 1500 falls within the range of $85 to $86. It’s important to note that this figure is an approximate, and individual premiums may differ based on personal circumstances and the chosen insurance company.
Exploring Discounts and Savings Opportunities on Dodge Ram Wagon 1500 Car Insurance
Insurance providers frequently provide a variety of discounts and savings opportunities that can notably decrease the costs of your Dodge Ram Wagon 1500 car insurance. Some typical discounts comprise:
- Discounts for safe drivers who uphold a spotless driving record
- Multi-policy discounts for amalgamating your car insurance with other policies
- Discounts for anti-theft devices installed in your vehicle
- Discounts for good students who attain high grades
- Discounts for completing an approved defensive driving course
Ensure to inquire about these discounts when obtaining quotes, as they can yield considerable savings on your car insurance premiums. Delve into the specifics in our article called “Cheap Dodge Ram Van 2500 Car Insurance.”
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How Your Driving Record Affects the Cost of Insuring a Dodge Ram Wagon 1500
Your driving history plays a crucial role in calculating the insurance expenses for your Dodge Ram Wagon 1500. Insurance providers evaluate the risk level associated with insuring drivers based on their driving records. For a comprehensive understanding, consult our article titled “Cheap Ram ProMaster Cargo Van Car Insurance.”
AAA stands out as the top choice for Dodge Ram Wagon 1500 car insurance, offering the best member benefits and competitive rates starting at $85 per month, ensuring comprehensive coverage and exceptional customer service.
Maintaining a clean driving history, devoid of accidents, speeding tickets, and other traffic infractions, showcases your responsible driving behavior, potentially resulting in reduced insurance costs.
Conversely, a track record of accidents and violations may lead to higher premiums due to the heightened risk you represent to the insurance company. Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code below to begin.
Frequently Asked Questions
How can I find affordable insurance for my Dodge Ram Wagon 1500?
You can find affordable insurance by comparing quotes from multiple providers, considering factors like coverage options, deductibles, and discounts. Enhance your knowledge by reading our Cheap Dodge Challenger Car Insurance.
Are there any discounts available for insuring a Dodge Ram Wagon 1500?
Yes, insurance companies often offer discounts for various factors such as safe driving, bundling policies, installing safety features, and maintaining a good credit score.
What types of coverage are available for a Dodge Ram Wagon 1500?
Common types of coverage include liability, collision, comprehensive, and personal injury protection (PIP). It’s essential to evaluate your needs and choose the appropriate coverage. Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below
How does my driving record affect insurance premiums for my Dodge Ram Wagon 1500?
A clean driving record typically leads to lower premiums, while a history of accidents and violations may result in higher rates due to increased risk.
Can I lower my insurance costs by increasing my deductible for my Dodge Ram Wagon 1500?
Increasing your deductible can lower your premiums, but ensure you can afford the higher out-of-pocket expense in case of a claim.
What factors should I consider when comparing insurance rates for my Dodge Ram Wagon 1500?
Factors to consider include coverage limits, deductibles, additional features, discounts, and the financial stability and reputation of the insurance provider. Uncover more by delving into our article entitled “Cheap Dodge Charger Car Insurance”
How does the model year of my Dodge Ram Wagon 1500 affect insurance rates?
Newer models may have higher insurance premiums due to their higher market value, while older models may have lower premiums as they may be less expensive to repair.
Is it possible to bundle my Dodge Ram Wagon 1500 insurance with other policies for savings?
Yes, bundling your car insurance with other policies like homeowner’s or renter’s insurance can often result in discounts from insurance companies.
Can I customize my insurance coverage for my Dodge Ram Wagon 1500?
Yes, many insurance companies offer customizable coverage options, allowing you to tailor your policy to your specific needs and preferences.
How do insurance companies assess the level of risk for insuring a Dodge Ram Wagon 1500?
Insurers evaluate factors such as the driver’s age, location, driving history, credit score, and the vehicle’s make and model to determine the level of risk and set insurance rates. Get a better grasp by checking out our article “Cheap Dodge Intrepid Car Insurance”
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
