Save Money on Dodge Ram 3500 Insurance in Miami

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Discount Dodge Ram 3500 insuranceTrying to find low-cost insurance for a Dodge Ram 3500 in Florida can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to shop for car insurance and you need to know the quickest way to compare rates for your Dodge and obtain the cheapest rates either online or from Miami insurance agents.

You need to quote other rates before your policy renews since prices are adjusted regularly by insurance companies. Even if you think you had the lowest rate on Dodge Ram 3500 insurance in Miami two years ago the chances are good that you can find a lower premium rate today. There is a lot of bad information regarding Ram 3500 insurance online but you can learn some of the best ways to lower your car insurance rates in Miami.

Lowering your Dodge Ram 3500 auto insurance rates is actually easier than you may think. The only requirement is to take a couple of minutes getting comparison quotes from online providers.

The companies in the list below offer price quotes in Florida. To buy the best cheap car insurance in FL, it's highly recommended you visit two to three different companies to get a more complete price comparison.

Premium rates and analysis

The information below highlights detailed analysis of insurance prices for Dodge Ram 3500 models. Understanding how policy rates are calculated is important for you to make smart choices when comparing insurance quotes.

Dodge Ram 3500 Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $224 $342 $418 $24 $124 $1,132 $94
Ram 3500 Crew Cab ST 2WD $276 $402 $418 $24 $124 $1,244 $104
Ram 3500 Crew Cab ST 4WD $276 $464 $626 $38 $188 $1,592 $133
Ram 3500 Crew Cab SLT 2WD $276 $464 $418 $24 $124 $1,306 $109
Ram 3500 Mega Cab SLT 2WD $276 $464 $418 $24 $124 $1,306 $109
Ram 3500 Mega Cab SLT 4WD $276 $524 $626 $38 $188 $1,652 $138
Ram 3500 Crew Cab SLT 4WD $276 $524 $626 $38 $188 $1,652 $138
Ram 3500 Crew Cab Laramie 4WD $276 $524 $626 $38 $188 $1,652 $138
Ram 3500 Mega Cab Laramie 2WD $276 $464 $418 $24 $124 $1,306 $109
Ram 3500 Crew Cab Laramie 2WD $276 $464 $418 $24 $124 $1,306 $109
Ram 3500 Mega Cab Laramie 4WD $276 $524 $626 $38 $188 $1,652 $138
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific garaging location which can change prices greatly.

Can higher deductibles save money?

One of the hardest decisions when shopping for insurance is at what level do you set your deductibles. The following insurance rates may help to illustrate the rate fluctuation between high and low comp and collision deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

Dodge Ram 3500 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $364 $544 $418 $24 $124 $1,499 $125
Ram 3500 Crew Cab ST 2WD $446 $640 $418 $24 $124 $1,677 $140
Ram 3500 Crew Cab ST 4WD $446 $736 $626 $38 $188 $2,059 $172
Ram 3500 Crew Cab SLT 2WD $446 $736 $418 $24 $124 $1,773 $148
Ram 3500 Mega Cab SLT 2WD $446 $736 $418 $24 $124 $1,773 $148
Ram 3500 Mega Cab SLT 4WD $446 $834 $626 $38 $188 $2,157 $180
Ram 3500 Crew Cab SLT 4WD $446 $834 $626 $38 $188 $2,157 $180
Ram 3500 Crew Cab Laramie 4WD $446 $834 $626 $38 $188 $2,157 $180
Ram 3500 Mega Cab Laramie 2WD $446 $736 $418 $24 $124 $1,773 $148
Ram 3500 Crew Cab Laramie 2WD $446 $736 $418 $24 $124 $1,773 $148
Ram 3500 Mega Cab Laramie 4WD $446 $834 $626 $38 $188 $2,157 $180
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Dodge Ram 3500 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $296 $438 $418 $24 $124 $1,300 $108
Ram 3500 Crew Cab ST 2WD $364 $516 $418 $24 $124 $1,446 $121
Ram 3500 Crew Cab ST 4WD $364 $594 $626 $38 $188 $1,810 $151
Ram 3500 Crew Cab SLT 2WD $364 $594 $418 $24 $124 $1,524 $127
Ram 3500 Mega Cab SLT 2WD $364 $594 $418 $24 $124 $1,524 $127
Ram 3500 Mega Cab SLT 4WD $364 $672 $626 $38 $188 $1,888 $157
Ram 3500 Crew Cab SLT 4WD $364 $672 $626 $38 $188 $1,888 $157
Ram 3500 Crew Cab Laramie 4WD $364 $672 $626 $38 $188 $1,888 $157
Ram 3500 Mega Cab Laramie 2WD $364 $594 $418 $24 $124 $1,524 $127
Ram 3500 Crew Cab Laramie 2WD $364 $594 $418 $24 $124 $1,524 $127
Ram 3500 Mega Cab Laramie 4WD $364 $672 $626 $38 $188 $1,888 $157
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in specific location which can lower or raise insurance rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $21 more each month or $252 every year across all Dodge Ram 3500 models than choosing the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 12 months between claim filings, you would probably save some money if you decide on a higher deductible.

The chart below illustrates how your choice of deductibles and can influence Dodge Ram 3500 yearly insurance costs for different categories of driver ages. The premiums are based on a single male driver, comp and collision included, and no discounts are factored in.

Drive responsibly or pay higher rates

The illustration below demonstrates how citations and at-fault fender-benders can drive up Dodge Ram 3500 yearly insurance costs for different insured age categories. The rate quotes are based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Impact of age and gender on insurance rates

The example below visualizes the comparison of Dodge Ram 3500 insurance premiums for male and female drivers. The information is based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, single marital status, and no policy discounts are applied.

Full coverage versus liability only rates

The illustration below illustrates the difference between Dodge Ram 3500 premium costs with and without physical damage coverage. The data assumes no claims or driving citations, $500 deductibles, single marital status, and no discounts are factored in.

Should you be buying full coverage?

There is no definitive rule for eliminating comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's say your Dodge Ram 3500 replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $3,000 after the policy deductible has been paid. If it's costing you more than $300 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some scenarios where dropping physical damage coverage is not advised. If you haven't satisfied your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.

Buying from auto insurance agents

Many drivers prefer to visit with an insurance agent and doing that can be a smart decision Good agents are highly skilled in risk management and help file insurance claims. An additional benefit of comparing rate quotes online is you may find cheap rate quotes but also keep your business local.

Miami insurance agentsFor easy comparison, once you complete this form (opens in new window), the coverage information is immediately sent to local insurance agents in Miami that can give you free Miami car insurance quotes for your insurance coverage. You don't have to search for an agent due to the fact that quote results will go to you instantly. If you want to quote rates from a particular provider, don't hesitate to find their quoting web page to submit a rate quote request.

Picking the best provider should include more criteria than just the bottom line cost. These are valid questions to ask:

  • If you have an accident, will your rates go up?
  • Do they assist clients in filing claims?
  • Do the agents have professional certifications like CPCU or CIC?
  • Does the agent recommend any additional coverage?
  • Do they specialize in personal lines coverage in Miami?
  • What kind of financial rating does the company have?
  • Do they make recommendations based only on price?
  • Do they receive special compensation for putting your coverage with one company over another?