Pretty sure you bought an expensive car insurance policy? Say no more because there are many Oklahoma City drivers thinking the same thing.
It’s an obvious statement that auto insurance companies want to keep you from comparing rates. Consumers who shop around for cheaper price quotes are highly likely to switch companies because there is a good chance of finding a lower-priced policy. A recent survey revealed that people who compared rate quotes regularly saved over $865 a year compared to other drivers who never compared prices.
If finding the lowest rates on insurance in Oklahoma City is why you’re here, then knowing how to quote prices and compare auto insurance can make the process more efficient.
How to find affordable quotes for Dodge Ram 2500 insurance in Oklahoma City
The most effective way to save on auto insurance rates in Oklahoma City is to begin comparing prices regularly from companies who can sell car insurance in Oklahoma. You can compare rates by following these steps.
- Step 1: Get an understanding of coverages and the steps you can take to prevent rate increases. Many rating criteria that cause rate increases like speeding and bad credit can be improved by making minor changes in your lifestyle. Continue reading for instructions to get better rates and get additional discounts that may have been overlooked.
- Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agents can provide prices for many different companies. Select a company
- Step 3: Compare the quotes to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate quote, ensure coverage does not lapse between policies.
- Step 4: Provide written notification to your current company of your decision to cancel your current policy and submit the signed application along with the required initial payment for the new coverage. When you receive it, put the new certificate verifying coverage in your vehicle’s glove compartment or console.
A tip to remember is that you’ll want to make sure you compare the same level of coverage on each price quote and and to compare as many different companies as possible. This guarantees the most accurate price comparison and a thorough selection of prices.
Because you have many choices of insurance companies that have lower-cost insurance for a Dodge Ram 2500 in Oklahoma City, it can be challenging to locate the cheapest car insurance company.
The most recommended method to compare policy rates for Dodge Ram 2500 insurance in Oklahoma City is to understand most insurance companies will pay a fee to give you rate quotes. The one thing you need to do is take a few minutes to give details such as the ages of drivers, whether the vehicles are used for commuting, whether you have decent credit, and types of safety features. Those rating factors is sent automatically to insurance carriers in your area and you get price estimates immediately.
To start a quote now, click here and enter your zip code.
The companies shown below can provide free quotes in Oklahoma City, OK. If the list has multiple companies, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Analysis of Dodge Ram 2500 rates
The coverage information displayed next covers detailed analysis of prices for Dodge Ram 2500 models. Learning a little about how rate quotes are figured is important for you to make decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$376||$778||$658||$38||$198||$2,048||$171|
|Ram 2500 Crew Cab SLT 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|Ram 2500 Mega Cab SLT 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|Ram 2500 Crew Cab Laramie 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|Ram 2500 Crew Cab ST 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|Ram 2500 Mega Cab Laramie 2WD||$376||$896||$658||$38||$198||$2,166||$181|
|Ram 2500 Crew Cab ST 4WD||$418||$778||$658||$38||$198||$2,090||$174|
|Ram 2500 Crew Cab SLT 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|Ram 2500 Mega Cab SLT 2WD||$418||$896||$658||$38||$198||$2,208||$184|
|Ram 2500 Mega Cab SLT 4WD||$418||$778||$658||$38||$198||$2,090||$174|
|Ram 2500 Crew Cab SLT 4WD||$418||$778||$658||$38||$198||$2,090||$174|
|Ram 2500 Crew Cab Laramie 2WD||$418||$1012||$658||$38||$198||$2,324||$194|
|Ram 2500 Mega Cab Laramie 2WD||$418||$1012||$658||$38||$198||$2,324||$194|
|Ram 2500 Crew Cab ST 4WD||$418||$778||$658||$38||$198||$2,090||$174|
|Ram 2500 Mega Cab Laramie 4WD||$418||$778||$658||$38||$198||$2,090||$174|
|Ram 2500 Crew Cab Laramie 4WD||$418||$778||$658||$38||$198||$2,090||$174|
|Ram 2500 Mega Cab SLT 4WD||$462||$896||$658||$38||$198||$2,252||$188|
|Ram 2500 Crew Cab SLT 4WD||$462||$896||$658||$38||$198||$2,252||$188|
|Ram 2500 Crew Cab Laramie 4WD||$462||$896||$658||$38||$198||$2,252||$188|
|Ram 2500 Mega Cab Laramie 4WD||$462||$896||$658||$38||$198||$2,252||$188|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in garaging location in Oklahoma City which can raise or lower insurance rates substantially.
The example below demonstrates how choosing different deductibles and can change Dodge Ram 2500 insurance costs for each age group. The premiums are based on a married male driver, full coverage, and no policy discounts are applied.
Should you buy full coverage?
The chart below compares Dodge Ram 2500 car insurance rates when comparing full coverage to liability only. The data assumes no violations or accidents, $500 deductibles, single status, and no discounts are taken into consideration.
When to stop buying physical damage coverage
There is no specific rule for phasing out comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Dodge Ram 2500 settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying your policy deductible. If you are paying more than $800 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
How much insurance do I need?
When selecting your policy for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.
Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.
- Do I really need UM/UIM coverage?
- Can I rate high risk drivers on liability-only vehicles?
- What states are considered no-fault?
- Do I need to file an SR-22 for a DUI in Oklahoma?
- Is a driver training discount available?
- How can I get the company to pay a claim?
- Is a blown tire covered by insurance?
- Am I covered when driving someone else’s vehicle?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.
When should I contact a local insurance agent?
Certain consumers just want to have an agent’s advice and doing so can bring peace of mind Professional agents can help you build your policy and will help you if you have claims. A good thing about comparing insurance prices online is the fact that drivers can get lower rates but also keep your business local.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to companies in Oklahoma City who can give free rate quotes for your business. You don’t have to even leave your home due to the fact that quote results will go to your email. If you have a need to quote rates from one company in particular, you would need to go to their quote page and complete a quote there.
Selecting a provider requires you to look at more than just the quoted price. The questions below may impact your decision as well.
- Is there a Errors and Omissions policy in force?
- Does the company have a solid financial rating?
- Is coverage determined by price?
- Can they provide you with a list of referrals?
- How much will you save each year by using a higher deductible?
- Which members of your family are coverage by the policy?
- What companies can they write with?
- If you have an accident, will your rates go up?
When finding a reliable agent, it helps to know the two types of agencies that you can select. Agencies in Oklahoma City are categorized either exclusive or independent. Either can handle insurance, but it’s worth learning the difference in how they write coverage since it can impact which agent you choose.
Agents that choose to be exclusive generally can only insure with one company like AAA, Allstate, and State Farm. Exclusive agents cannot provide prices from multiple companies so you might not find the best rates. Exclusive insurance agents are highly trained on what they offer and that can be a competitive advantage.
Below is a short list of exclusive agents in Oklahoma City who can help you get price quotes.
Independent Insurance Agents
Agents that elect to be independent are appointed with more than one company and that enables them to quote your coverage with any number of different companies and find you the best rates. If they find a cheaper price, your policy is moved internally and you don’t have to switch agencies.
If you need lower rates, you need to get rate quotes from independent agents to get the most accurate price comparison.
Below are independent insurance agents in Oklahoma City that can give you rate quotes.