Has it been a year or more since you last compared quotes for lower-priced auto insurance rates in Spokane, WA? Spokane shoppers have options when shopping for affordable Dodge Ram insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There are both good and bad ways to compare auto insurance rates and we'll show you the best way to compare rates for a new or used Dodge and get the cheapest rates either online or from Spokane insurance agents.
Shocking but true, most auto insurance buyers in Washington have purchased from the same company for over three years, and just under half have never shopped around. American drivers could save an average of 47% each year by just comparing quotes, but most tend to underestimate how much they could save if they switched to a more affordable policy.
You should take the time to take a look at other company's rates periodically because prices are usually higher with each renewal. Despite the fact that you may have had the best rate on Dodge Ram insurance in Spokane at your last renewal you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out how to use the internet to find great coverage at a great price.
Buying the cheapest car insurance in Spokane is quite easy if you know the best way to do it. If you have insurance now, you will be able to get lower rates using this information. Vehicle owners only need to know the most efficient way to find the lowest price from many companies at once.
Cutting your Spokane auto insurance rates is not rocket science. You just have to take a couple of minutes getting comparison quotes from online providers.
The companies in the list below offer comparison quotes in Washington. If the list has multiple companies, we suggest you visit several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$212||$254||$436||$26||$130||$1,058||$88|
|Ram Quad Cab TRX4 Off Road 2WD||$246||$472||$376||$22||$112||$1,228||$102|
|Ram Quad Cab SLT 2WD||$286||$472||$450||$26||$134||$1,368||$114|
|Ram Crew Cab ST 2WD||$246||$472||$376||$22||$112||$1,228||$102|
|Ram Quad Cab ST 4WD||$326||$458||$436||$26||$130||$1,376||$115|
|Ram Crew Cab SLT 2WD||$234||$354||$344||$20||$102||$1,054||$88|
|Ram Crew Cab TRX 2WD||$222||$376||$350||$20||$104||$1,072||$89|
|Ram Quad Cab SLT 4WD||$250||$376||$340||$20||$102||$1,088||$91|
|Ram Crew Cab ST 4WD||$326||$458||$436||$26||$130||$1,376||$115|
|Ram Crew Cab Sport 2WD||$152||$294||$376||$22||$112||$956||$80|
|Ram Quad Cab Sport 2WD||$274||$530||$376||$22||$112||$1,314||$110|
|Ram Quad Cab TRX4 Off Road 4WD||$286||$452||$334||$20||$100||$1,192||$99|
|Ram Crew Cab TRX 4WD||$312||$620||$404||$24||$120||$1,480||$123|
|Ram Crew Cab SLT 4WD||$196||$350||$450||$26||$134||$1,156||$96|
|Ram Quad Cab Laramie 2WD||$220||$376||$314||$18||$94||$1,022||$85|
|Ram Crew Cab Laramie 2WD||$176||$284||$334||$20||$100||$914||$76|
|Ram Crew Cab Sport 4WD||$278||$444||$340||$20||$102||$1,184||$99|
|Ram Quad Cab Sport 4WD||$326||$452||$436||$26||$130||$1,370||$114|
|Ram Crew Cab Laramie 4WD||$162||$302||$344||$20||$102||$930||$78|
|Ram Quad Cab Laramie 4WD||$248||$528||$320||$18||$96||$1,210||$101|
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in vehicle location which can influence auto insurance rates greatly.
Comparison of car insurance rates by age and gender
The chart below illustrates the difference between Dodge Ram car insurance rates for male and female drivers. The rate quotes are based on no violations or accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Insurance agents can help
Keep in mind that when it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won't apply. For instance, these questions can help discover if you may require specific advice.
- Do I have ACV or replacement cost coverage?
- Am I insured when driving a different vehicle?
- Is my cargo covered for damage or theft?
- When should I buy a commercial auto policy?
- When can I cancel my policy?
- What states are considered no-fault?
- Should I rate my Dodge Ram as pleasure use or commute?
- When should I not file a claim?
- If my pet gets injured in an accident are they covered?
- Am I covered when driving in Canada or Mexico?
If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.
Local Spokane insurance agents
Some people would prefer to get professional advice from a licensed agent and often times that is recommended Good agents are highly skilled in risk management and give you someone to call. A good thing about comparing rates online is that you can find cheaper car insurance rates and still have a local agent.
After completing this short form, your insurance data is instantly submitted to local insurance agents that can provide free Spokane car insurance quotes for your coverage. It makes it easy because there is no need to search for an agent since price quotes are sent straight to your inbox. If you want to compare rates for a specific company, just go to their quote page and fill out their quote form.
Choosing the best insurer shouldn't rely on just the bottom line cost. Below are some questions you should ask.
- Is there any savings for paying the full premium?
- Can you get a list of referrals?
- Is the agent properly licensed in Washington?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they assist clients in filing claims?
Shown below are Spokane auto insurance companies that are able to give price quotes for Dodge Ram insurance in Spokane.
- Black and Associates Insurance
7407 N Division St - Spokane, WA 99208 - (509) 464-0058 - View Map
- Andre-Romberg Insurance
106 W Nora Ave - Spokane, WA 99205 - (509) 344-2337 - View Map
- Shea Insurance Agency
310 S Cedar St - Spokane, WA 99201 - (509) 838-2759 - View Map
- Darren Young - State Farm Insurance Agency Inc.
2308 E 57th Ave - Spokane, WA 99223 - (509) 624-7890 - View Map
Once you have answers to your satisfaction for all questions you ask and a low price estimate, it's a good possibility that you have found a company that is professional and can service your policy.