Best Dodge Ram 2500 Insurance in Scottsdale

Insurance rates Dodge Ram 2500 in ScottsdaleDo you think you bought an expensive auto insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

A recent auto insurance study revealed that nearly 70% of drivers renewed their policy with the same company for at least the last four years, and 38% of drivers have never compared rates to find lower-cost insurance. Many consumers in Scottsdale could save an average of nearly 50% each year just by getting comparison quotes, but they underestimate the large savings they would see if they switched to a cheaper policy. Due to the abundance of companies to choose from that have cheaper insurance for a Dodge Ram 2500 in Scottsdale, it’s nearly impossible to pick a more affordable insurer.

Compare Scottsdale Dodge Ram 2500 insurance quotes

The providers in the list below are ready to provide quotes in Scottsdale, AZ. To get cheap car insurance in AZ, it’s highly recommended you visit two to three different companies to find the lowest car insurance rates.

Get cheaper Dodge Ram 2500 insurance in Scottsdale with discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but occasionally some discounts must be asked about in order for you to get them.Cheaper auto insurance with discounts

Don’t be surprised that most discount credits are not given to the entire cost. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like you could get a free auto insurance policy, that’s just not realistic. But all discounts will reduce your auto insurance premiums.

The diagram below illustrates the comparison of Dodge Ram 2500 car insurance costs with and without discounts applied. The costs are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, multi-policy, and safe-driver discounts applied.

To locate insurers with discount rates in Arizona, click here to view.

Dodge Ram 2500 insurance coverage information

The data table shown next covers detailed analysis of insurance premium costs for Dodge Ram 2500 models. Having insight into how insurance quotes are established can help you make informed decisions when comparing rates.

Dodge Ram 2500 Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 2500 Crew Cab ST 2WD $164 $308 $318 $18 $96 $904 $75
Ram 2500 Crew Cab SLT 2WD $164 $354 $318 $18 $96 $950 $79
Ram 2500 Mega Cab SLT 2WD $164 $354 $318 $18 $96 $950 $79
Ram 2500 Crew Cab Laramie 2WD $164 $354 $318 $18 $96 $950 $79
Ram 2500 Crew Cab ST 2WD $164 $354 $318 $18 $96 $950 $79
Ram 2500 Mega Cab Laramie 2WD $164 $354 $318 $18 $96 $950 $79
Ram 2500 Crew Cab ST 4WD $182 $308 $318 $18 $96 $922 $77
Ram 2500 Crew Cab SLT 2WD $182 $354 $318 $18 $96 $968 $81
Ram 2500 Mega Cab SLT 2WD $182 $354 $318 $18 $96 $968 $81
Ram 2500 Mega Cab SLT 4WD $182 $308 $318 $18 $96 $922 $77
Ram 2500 Crew Cab SLT 4WD $182 $308 $318 $18 $96 $922 $77
Ram 2500 Crew Cab Laramie 2WD $182 $402 $318 $18 $96 $1,016 $85
Ram 2500 Mega Cab Laramie 2WD $182 $402 $318 $18 $96 $1,016 $85
Ram 2500 Crew Cab ST 4WD $182 $308 $318 $18 $96 $922 $77
Ram 2500 Mega Cab Laramie 4WD $182 $308 $318 $18 $96 $922 $77
Ram 2500 Crew Cab Laramie 4WD $182 $308 $318 $18 $96 $922 $77
Ram 2500 Mega Cab SLT 4WD $200 $354 $318 $18 $96 $986 $82
Ram 2500 Crew Cab SLT 4WD $200 $354 $318 $18 $96 $986 $82
Ram 2500 Crew Cab Laramie 4WD $200 $354 $318 $18 $96 $986 $82
Ram 2500 Mega Cab Laramie 4WD $200 $354 $318 $18 $96 $986 $82
Get Your Own Custom Quote Go

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in Scottsdale location which can impact auto insurance rates noticeably.

The chart below demonstrates how deductible levels and can increase or decrease Dodge Ram 2500 insurance premiums for different age categories. The premiums assume a married male driver, full coverage, and no discounts are applied to the premium.

Responsible drivers pay cheaper Scottsdale auto insurance rates

The diagram below demonstrates how citations and accidents increase Dodge Ram 2500 insurance costs for each age group. The data assumes a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Should you buy full coverage?

The chart below shows the comparison of Dodge Ram 2500 car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premium estimates are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop paying for full coverage

There is no exact formula to delete full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Dodge Ram 2500 claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after the deductible is paid. If it’s costing in excess of $700 a year for full coverage, then it may be the right time to buy liability only.

There are a few situations where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Dodge Ram 2500 Insurance Cost Factors

The best way to find cheaper insurance is to take a look at the factors that help determine your policy premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that may result in lower rates.

Shown below are a few of the things used by companies to determine your prices.

Compare rate quotes but buy from a local Scottsdale insurance agent

Some people just prefer to go talk to an agent and that is a smart decision Most agents can make sure you are properly covered and help file insurance claims. One of the great benefits of comparing rates online is you can get lower rates and still have an agent to talk to.

Find insurance agent in ScottsdaleTo help locate an agent, after submitting this form (opens in new window), your information is emailed to participating agents in Scottsdale that provide free Scottsdale car insurance quotes for your auto insurance coverage. You don’t have to even leave your home due to the fact that quote results will go to you. If for some reason you want to get a comparison quote from a particular provider, don’t hesitate to visit that company’s website and submit a quote form there.

Deciding on an insurer needs to be determined by more than just a low price. Before buying a policy in Scottsdale, get answers to these questions.

When looking for a local Scottsdale insurance agency, it’s important to understand the different types of agents from which to choose. Agencies in Scottsdale can be categorized as either independent or exclusive depending on the company they work for. Either one can sell and service auto insurance coverage, but it’s worth learning the differences because it can factor into your agent selection.

Exclusive Auto Insurance Agents

These type of agents can only write with one company like AAA, Allstate, State Farm, or Farmers Insurance. They are unable to shop your coverage around so they are skilled at selling on more than just price. They are highly trained on the products they sell which helps them sell insurance even at higher premiums.

Below is a short list of exclusive insurance agents in Scottsdale who may provide you with comparison quotes.

9280 E Raintree Dr Ste 103Scottsdale, AZ 85260(480) 951-8890View Map

7336 E Deer Valley Rd #105Scottsdale, AZ 85255(480) 585-3665View Map

20731 N Scottsdale RdScottsdale, AZ 85255(480) 515-6259View Map

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Independent Insurance Agents

Agents in the independent channel are not restricted to one company and that enables them to quote your coverage through many companies and get you the best rates possible. If you are not satisfied with one company, they can switch companies in-house and you don’t have to find a new agent.

When comparing rates, it’s recommended you get insurance quotes from multiple independent agents so that you have a good selection of quotes to compare.

Listed below is a list of independent insurance agents in Scottsdale who can help you get rate quotes.

8889 E Bell RdScottsdale, AZ 85260(480) 483-8000View Map

7950 E Acoma Dr # 205Scottsdale, AZ 85260(480) 778-9700View Map

13951 N Scottsdale Rd # 234Scottsdale, AZ 85254(480) 483-3311View Map

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Arizona car insurance company ratings

Choosing a good quality insurance company is difficult considering how many different companies insure vehicles in Arizona. The company information shown below can help you decide which car insurance companies you want to consider comparing rates with.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Cheaper auto insurance rates are out there

Cheaper auto insurance in Scottsdale is definitely available from both online companies as well as from independent agents in Scottsdale, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide internet price quotes and most of the time these small insurance companies work with independent insurance agencies.

When getting Scottsdale car insurance quotes online, you should never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

How to buy low-cost Dodge Ram 2500 insurance in Scottsdale

If you want to save money, the best way to quote cheaper Dodge Ram 2500 insurance is to compare quotes once a year from insurers in Scottsdale.

An important part of this process is to try to compare the same level of coverage on every quote request and and to get price estimates from as many carriers as you can. This provides an accurate price comparison and maximum price selection.

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