Do you need a fast way to compare more affordable Dodge Ram 2500 insurance in Jersey City? Locating cheaper insurance for a Dodge Ram 2500 in New Jersey can normally be a lot of work, but you can learn these tips to make it easier.
There are both good and bad ways to find auto insurance online so you’re going to learn the best way to quote coverages for a Dodge and get the cheapest rates either online or from Jersey City insurance agents.
Unthinkable but true, over 70% of consumers kept their coverage with the same auto insurance company for over three years, and 38% of customers have never compared quotes from other companies. With the average premium in New Jersey being $2,009, drivers could save an average of almost 40% each year, but they feel it’s too difficult to shop their coverage around.
If you have coverage now or just want a better rate, you can follow these tips to save money and possibly find even better coverage. Finding and comparing the lowest-priced insurance in Jersey City is quite easy. Shoppers just need to use the best way to compare rates from multiple carriers.
Getting low cost car insurance pricing is actually easier than you may think. You just need to spend a few minutes on the computer to get quotes online with multiple companies.
The following companies offer quotes in Jersey City, NJ. If multiple companies are listed, we suggest you compare several of them to get the cheapest price.
Auto insurance policy discounts you can’t miss
Companies do not list all discounts in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous ways to save on auto insurance. If you don’t get every credit available, you are not getting the best rate possible.
- Multiple Vehicles – Having multiple cars with the same company can reduce rates for all insured vehicles.
- Student Discount for Driver Training – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
- Memberships – Participating in a professional or civic organization may earn a discount when getting a Jersey City auto insurance quote.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a Jersey City auto insurance quote.
- Defensive Driver Discounts – Taking time to complete a class that teaches safe driver techniques could save 5% or more if your company offers it.
A little note about advertised discounts, most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts should help lower your overall premium however.
The information below shows the comparison of Dodge Ram 2500 insurance rates with and without policy discounts. The premium estimates are based on a male driver, a clean driving record, no claims, New Jersey 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 marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.
The best auto insurance companies and their possible discounts are included below.
- The Hartford has savings for air bag, defensive driver, vehicle fuel type, bundle, and anti-theft.
- American Family offers premium reductions for accident-free, good student, early bird, Steer into Savings, TimeAway discount, multi-vehicle, and good driver.
- Progressive includes discounts for homeowner, multi-policy, multi-vehicle, online signing, online quote discount, continuous coverage, and good student.
- Travelers may have discounts that include new car, multi-policy, hybrid/electric vehicle, payment discounts, IntelliDrive, good student, and continuous insurance.
- Farmers Insurance may include discounts for youthful driver, distant student, electronic funds transfer, switch companies, bundle discounts, homeowner, and good student.
- USAA offers discounts for good student, annual mileage, multi-policy, defensive driver, and multi-vehicle.
- Liberty Mutual discounts include new vehicle discount, new move discount, preferred payment discount, hybrid vehicle, new graduate, and good student.
When getting free Jersey City auto insurance quotes, it’s a good idea to each insurance company the best way to save money. Some of the earlier mentioned discounts might not apply in every state. If you would like to see a list of auto insurance companies who offer cheap Dodge Ram 2500 insurance quotes in Jersey City, click here to view.
Auto insurance statistics and figures
The information displayed next showcases estimates of policy rates for Dodge Ram 2500 models. Learning how policy premiums are calculated can aid in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 2500 Crew Cab ST 2WD | $294 | $582 | $570 | $34 | $170 | $1,650 | $138 |
| Ram 2500 Crew Cab SLT 2WD | $294 | $670 | $570 | $34 | $170 | $1,738 | $145 |
| Ram 2500 Mega Cab SLT 2WD | $294 | $670 | $570 | $34 | $170 | $1,738 | $145 |
| Ram 2500 Crew Cab Laramie 2WD | $294 | $670 | $570 | $34 | $170 | $1,738 | $145 |
| Ram 2500 Crew Cab ST 2WD | $294 | $670 | $570 | $34 | $170 | $1,738 | $145 |
| Ram 2500 Mega Cab Laramie 2WD | $294 | $670 | $570 | $34 | $170 | $1,738 | $145 |
| Ram 2500 Crew Cab ST 4WD | $326 | $582 | $570 | $34 | $170 | $1,682 | $140 |
| Ram 2500 Crew Cab SLT 2WD | $326 | $670 | $570 | $34 | $170 | $1,770 | $148 |
| Ram 2500 Mega Cab SLT 2WD | $326 | $670 | $570 | $34 | $170 | $1,770 | $148 |
| Ram 2500 Mega Cab SLT 4WD | $326 | $582 | $570 | $34 | $170 | $1,682 | $140 |
| Ram 2500 Crew Cab SLT 4WD | $326 | $582 | $570 | $34 | $170 | $1,682 | $140 |
| Ram 2500 Crew Cab Laramie 2WD | $326 | $760 | $570 | $34 | $170 | $1,860 | $155 |
| Ram 2500 Mega Cab Laramie 2WD | $326 | $760 | $570 | $34 | $170 | $1,860 | $155 |
| Ram 2500 Crew Cab ST 4WD | $326 | $582 | $570 | $34 | $170 | $1,682 | $140 |
| Ram 2500 Mega Cab Laramie 4WD | $326 | $582 | $570 | $34 | $170 | $1,682 | $140 |
| Ram 2500 Crew Cab Laramie 4WD | $326 | $582 | $570 | $34 | $170 | $1,682 | $140 |
| Ram 2500 Mega Cab SLT 4WD | $360 | $670 | $570 | $34 | $170 | $1,804 | $150 |
| Ram 2500 Crew Cab SLT 4WD | $360 | $670 | $570 | $34 | $170 | $1,804 | $150 |
| Ram 2500 Crew Cab Laramie 4WD | $360 | $670 | $570 | $34 | $170 | $1,804 | $150 |
| Ram 2500 Mega Cab Laramie 4WD | $360 | $670 | $570 | $34 | $170 | $1,804 | $150 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in vehicle garaging location which can raise or lower price quotes greatly.
The information below illustrates how choosing a deductible and can impact Dodge Ram 2500 insurance rates for each age group. The price estimates are based on a married female driver, full coverage, and no other discounts are factored in.
Comparison of auto insurance rates by age and gender
The chart below visualizes the comparison of Dodge Ram 2500 insurance costs for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Dodge Ram 2500 liability rates compared to full coverage
The example below shows the difference between Dodge Ram 2500 annual premium costs with full coverage compared to only the New Jersey minimum liability coverage. The price estimates are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no definitive guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Dodge Ram 2500 claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying the physical damage deductible. If you are currently paying more than $200 a year to have full coverage, then it might be time to buy liability only.
There are some conditions where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Ratings for New Jersey auto insurance companies
Insuring your vehicle with a good quality auto insurance provider is hard considering how many companies there are to choose from in New Jersey. The ranking information in the next section could help you choose which auto insurance companies you want to consider comparing prices from.
Top 10 Jersey City Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- Progressive
- GEICO
- USAA
- State Farm
- Travelers
- Farmers Insurance
- Allstate
Top 10 Jersey City Car Insurance Companies Overall
- Mercury Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
- GEICO
- 21st Century