Auto Insurance Quotes for a Dodge Ram 2500 in Plano

Discount Dodge Ram 2500 insuranceDo you think you bought high-priced Dodge Ram 2500 insurance in Plano? Trust us when we tell you there are many Plano drivers thinking the same thing.

Statistics show that a large majority of drivers renewed their policy with the same company for a minimum of four years, and nearly the majority have never even compared rates from other companies. With the average premium in America being $1,847, drivers could pocket up to $850 a year just by comparing rates, but they don’t believe the benefits if they switched. Due to the large number of insurance companies to choose from that have cheaper insurance for a Dodge Ram 2500 in Plano, it can be impossible to pick a more affordable insurance company.

Most of the larger companies allow consumers to get pricing on the web. Doing online price comparisons for Dodge Ram 2500 insurance in Plano is fairly straightforward as you just enter your personal and coverage information into the form. When complete, the system sends out for your credit score and driving record and quotes a price. The ability to get online rate quotes for Dodge Ram 2500 insurance in Plano makes it easy to compare insurance prices and it is important to perform this step if you want to get lower-cost rates.

To quickly compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you complete the form with the limits and deductibles as close as possible to your current policy. Using the same limits helps guarantee you will get a rate comparison for similar coverage.

The companies shown below offer free rate quotes in Plano, TX. To find cheap car insurance in Plano, it’s a good idea that you click on several of them to find the cheapest auto insurance rates.

Rates and other information

The premium information shown below showcases detailed analysis of insurance prices for Dodge Ram 2500 models. Learning how policy rates are calculated is important for you to make smart buying decisions.

Dodge Ram 2500 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 2500 Crew Cab ST 2WD $318 $718 $486 $28 $146 $1,696 $141
Ram 2500 Crew Cab SLT 2WD $318 $828 $486 $28 $146 $1,806 $151
Ram 2500 Mega Cab SLT 2WD $318 $828 $486 $28 $146 $1,806 $151
Ram 2500 Crew Cab Laramie 2WD $318 $828 $486 $28 $146 $1,806 $151
Ram 2500 Crew Cab ST 2WD $318 $828 $486 $28 $146 $1,806 $151
Ram 2500 Mega Cab Laramie 2WD $318 $828 $486 $28 $146 $1,806 $151
Ram 2500 Crew Cab ST 4WD $354 $718 $486 $28 $146 $1,732 $144
Ram 2500 Crew Cab SLT 2WD $354 $828 $486 $28 $146 $1,842 $154
Ram 2500 Mega Cab SLT 2WD $354 $828 $486 $28 $146 $1,842 $154
Ram 2500 Mega Cab SLT 4WD $354 $718 $486 $28 $146 $1,732 $144
Ram 2500 Crew Cab SLT 4WD $354 $718 $486 $28 $146 $1,732 $144
Ram 2500 Crew Cab Laramie 2WD $354 $936 $486 $28 $146 $1,950 $163
Ram 2500 Mega Cab Laramie 2WD $354 $936 $486 $28 $146 $1,950 $163
Ram 2500 Crew Cab ST 4WD $354 $718 $486 $28 $146 $1,732 $144
Ram 2500 Mega Cab Laramie 4WD $354 $718 $486 $28 $146 $1,732 $144
Ram 2500 Crew Cab Laramie 4WD $354 $718 $486 $28 $146 $1,732 $144
Ram 2500 Mega Cab SLT 4WD $390 $828 $486 $28 $146 $1,878 $157
Ram 2500 Crew Cab SLT 4WD $390 $828 $486 $28 $146 $1,878 $157
Ram 2500 Crew Cab Laramie 4WD $390 $828 $486 $28 $146 $1,878 $157
Ram 2500 Mega Cab Laramie 4WD $390 $828 $486 $28 $146 $1,878 $157
Get Your Own Custom Quote Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in Plano location which can decrease or increase premium rates considerably.

The information below demonstrates how choosing different deductibles and can change Dodge Ram 2500 insurance rates for different age groups of insureds. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Rate comparison of male drivers versus female drivers

The information below shows the comparison of Dodge Ram 2500 auto insurance rates for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Cost difference between full coverage and liability

The illustration below visualizes the comparison of Dodge Ram 2500 premium costs with and without physical damage coverage. The prices are based on no accidents or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage?

There is no definitive rule that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Dodge Ram 2500 claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after the deductible is paid. If premiums are more than $400 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some 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 prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Get discounts on Plano insurance

Auto insurance companies don’t list every policy discount in an easy-to-find place, so below is a list some of the more common in addition to some of the lesser obvious credits available to you. If you’re not getting every credit you qualify for, you are throwing money away.Cheaper insurance with discounts

Discounts reduce rates, but you should keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.

The chart below illustrates the difference between Dodge Ram 2500 insurance costs with and without some available policy discounts. The data assumes a female driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.

Insurance companies who may offer these discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts might not be available to policyholders in Plano. If you would like to view providers that can offer you the previously mentioned discounts in Texas, click here to view.

Why you need to buy auto insurance

Despite the high insurance cost for a Dodge Ram 2500 in Plano, buying auto insurance may be mandatory for several reasons.

First, just about all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, most banks will have a requirement that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank may insure your Dodge at a much higher premium rate and force you to reimburse them for it.

Third, auto insurance preserves both your assets and your car. It will also cover most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of having auto insurance are without a doubt worth the cost, particularly for liability claims. But the average driver in Texas is overpaying more than $865 each year so it’s important to compare rates each time the policy renews to save money.

Insurance agents can find coverage gaps

Certain consumers prefer to sit down with an agent and that is recommended in a lot of cases Agents are very good at helping people manage risk and will help you if you have claims. An additional benefit of comparing insurance prices online is you can get cheaper prices and still have an agent to talk to. And supporting local insurance agencies is definitely important in Plano.

To find an agent, once you fill out this quick form, the coverage information is immediately sent to companies in Plano who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork since rate quotes are delivered directly to you. In the event you want to get a price quote from one company in particular, don’t hesitate to find their quoting web page and submit a quote form there.

Compare rates from both independent and exclusive car insurance agents

If you prefer to buy insurance from a local Plano insurance agency, there are a couple of different types of agencies and how they are slightly different. Agents are either independent agents or exclusive agents. Either one can sell insurance policies, but it’s a good idea to understand why they differ since it can impact the selection process.

Independent Insurance Agencies or Brokers

Independent agencies are not required to write business for one company so they can quote policies amongst many companies and find you the best rates. If they find a lower price, your policy is moved internally and you won’t have to switch agencies.

When comparing rates, it’s a good idea to include price quotes from a couple of independent agencies so that you can do a thorough price comparison.

Featured below are Plano independent insurance agencies who may provide rate quotes.

2504 K Ave #400Plano, TX 75074(972) 423-4348View Map

3415 Custer Rd #161Plano, TX 75023(972) 964-4825View Map

1145 14th St #2117Plano, TX 75074(972) 398-0001View Map

View more Plano agents

Exclusive Agents

Exclusive agencies can only provide one company’s prices and some examples include Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they really need to provide good service. Exclusive agents are usually quite knowledgeable in insurance sales and that allows them to sell at a higher price point.

Below is a short list of exclusive insurance agents in Plano that are able to give comparison quotes.

280 Legacy Dr #250Plano, TX 75023(972) 575-9100View Map

9720 Coit Rd #140Plano, TX 75025(214) 618-5700View Map

6833 Coit Rd #100Plano, TX 75024(972) 618-4300View Map

View more Plano agents

Picking the best auto insurance agent requires you to look at more than just a cheap price quote. Some important questions to ask are:

If you feel you receive good feedback for all questions you ask and an acceptable price quote, you’ve probably found an insurance agent that can properly service your insurance policy. But remember, once you purchase a policy you can terminate your policy whenever you wish so don’t think you’re contractually obligated to any specific company with no way out.