It goes without saying that insurance companies don't want their policyholders to compare prices. People who compare other rates will presumably switch companies because of the good chance of finding a policy with better rates. Remarkably, a study showed that people who made a habit of comparing rate quotes saved an average of $3,450 over four years as compared to drivers who never shopped around for better prices.
If finding the lowest price for auto insurance is why you're here, then having a grasp of the best ways to find and compare coverage rates can help you succeed in saving money.
Truthfully, the best way to find better pricing on auto insurance rates is to compare prices at least once a year from different companies in Santa Ana. Price quotes can be compared by following these steps.
First, get an understanding of how insurance companies determine prices and the measures you can control to prevent high rates. Many policy risk factors that drive up the price such as speeding tickets, careless driving and a not-so-good credit history can be amended by making lifestyle changes or driving safer. This article gives the details to help reduce prices and find missing discounts.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while independent agents can quote rates from multiple insurance companies.
Third, compare the new rate quotes to your existing coverage and see if you can save money. If you can save some money and make a switch, make sure coverage is continuous and does not lapse.
Fourth, provide adequate notice to your current company to cancel your existing policy and submit the application along with any required down payment to your new agent or company. As soon as you have the new policy, put the new certificate verifying coverage in an accessible location in your vehicle.
An important part of this process is that you'll want to make sure you compare identical limits and deductibles on every quote request and and to get rates from as many carriers as you can. This provides an apples-to-apples comparison and maximum price selection.
If you have a policy now or just want to reduce your rates, use these tips to buy cheaper auto insurance without reducing protection. Quoting affordable protection in Santa Ana is not as difficult as people think. Vehicle owners only need to know the least time-consuming way to compare rates online.
Reducing your Dodge Ram 3500 insurance rates is not rocket science. Drivers just need to take the time getting comparison quotes to find out which insurance company has affordable Dodge Ram 3500 insurance quotes.
The companies shown below can provide comparison quotes in California. If multiple providers are shown, we recommend you click on several of them to find the lowest car insurance rates.
Data for Dodge Ram 3500 insurance
The price information displayed below covers detailed analysis of rate quotes for Dodge Ram 3500 models. Learning more about how insurance prices are determined can assist in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $204 | $354 | $500 | $30 | $150 | $1,238 | $103 |
| Ram 3500 Crew Cab ST 2WD | $252 | $418 | $500 | $30 | $150 | $1,350 | $113 |
| Ram 3500 Crew Cab ST 4WD | $252 | $482 | $748 | $44 | $224 | $1,750 | $146 |
| Ram 3500 Crew Cab SLT 2WD | $252 | $482 | $500 | $30 | $150 | $1,414 | $118 |
| Ram 3500 Mega Cab SLT 2WD | $252 | $482 | $500 | $30 | $150 | $1,414 | $118 |
| Ram 3500 Mega Cab SLT 4WD | $252 | $544 | $748 | $44 | $224 | $1,812 | $151 |
| Ram 3500 Crew Cab SLT 4WD | $252 | $544 | $748 | $44 | $224 | $1,812 | $151 |
| Ram 3500 Crew Cab Laramie 4WD | $252 | $544 | $748 | $44 | $224 | $1,812 | $151 |
| Ram 3500 Mega Cab Laramie 2WD | $252 | $482 | $500 | $30 | $150 | $1,414 | $118 |
| Ram 3500 Crew Cab Laramie 2WD | $252 | $482 | $500 | $30 | $150 | $1,414 | $118 |
| Ram 3500 Mega Cab Laramie 4WD | $252 | $544 | $748 | $44 | $224 | $1,812 | $151 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in zip code location which can impact insurance rates noticeably.
Where to set your deductibles
One frequently asked question is where should you set your physical damage deductibles. The figures shown below highlight the rate differences of buying low and high coverage deductibles. The first table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Ram 3500 Crew Cab ST 2WD | $528 | $810 | $442 | $26 | $132 | $1,963 | $164 |
| Ram 3500 Crew Cab ST 4WD | $528 | $932 | $662 | $40 | $198 | $2,385 | $199 |
| Ram 3500 Crew Cab SLT 2WD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Ram 3500 Mega Cab SLT 2WD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Ram 3500 Mega Cab SLT 4WD | $528 | $1054 | $662 | $40 | $198 | $2,507 | $209 |
| Ram 3500 Crew Cab SLT 4WD | $528 | $1054 | $662 | $40 | $198 | $2,507 | $209 |
| Ram 3500 Crew Cab Laramie 4WD | $528 | $1054 | $662 | $40 | $198 | $2,507 | $209 |
| Ram 3500 Mega Cab Laramie 2WD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Ram 3500 Crew Cab Laramie 2WD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Ram 3500 Mega Cab Laramie 4WD | $528 | $1054 | $662 | $40 | $198 | $2,507 | $209 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Ram 3500 Crew Cab ST 2WD | $292 | $426 | $442 | $26 | $132 | $1,318 | $110 |
| Ram 3500 Crew Cab ST 4WD | $292 | $490 | $662 | $40 | $198 | $1,682 | $140 |
| Ram 3500 Crew Cab SLT 2WD | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| Ram 3500 Mega Cab SLT 2WD | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| Ram 3500 Mega Cab SLT 4WD | $292 | $556 | $662 | $40 | $198 | $1,748 | $146 |
| Ram 3500 Crew Cab SLT 4WD | $292 | $556 | $662 | $40 | $198 | $1,748 | $146 |
| Ram 3500 Crew Cab Laramie 4WD | $292 | $556 | $662 | $40 | $198 | $1,748 | $146 |
| Ram 3500 Mega Cab Laramie 2WD | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| Ram 3500 Crew Cab Laramie 2WD | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| Ram 3500 Mega Cab Laramie 4WD | $292 | $556 | $662 | $40 | $198 | $1,748 | $146 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific Santa Ana garaging location which can modify coverage prices greatly.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $58 more each month or $696 a year than opting for the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 16 months between claim filings, you would probably come out ahead if you elect the higher deductible.
The information below shows how different deductible levels and can affect Dodge Ram 3500 insurance costs for different age categories. The prices are based on a single male driver, full physical damage coverage, and no other discounts are factored in.
Driving violations and accidents
The example below demonstrates how speeding tickets and accident claims can increase Dodge Ram 3500 insurance premiums for each age group. The price estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
Full coverage or liability only
The example below visualizes the comparison of Dodge Ram 3500 premium costs with full coverage compared to only the California minimum liability coverage. Data assumes no claims or driving violations, $500 deductibles, single status, and no discounts are applied.
When to drop full coverage
There is no set rule to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let's pretend your Dodge Ram 3500 replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying the physical damage deductible. If you are paying in excess of $400 annually for physical damage coverage, then it could be time to drop full coverage.
There are some circumstances where removing full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Which is the best car insurance?
Always remember that when buying a policy, there really is not a "perfect" insurance plan. You are unique.
For instance, these questions might help in determining if your situation will benefit from professional help.
- What are the liability requirements in my state?
- Is my trailer covered?
- When should I not buy collision coverage?
- What is roadside assistance coverage?
- Should I carry comprehensive and collision coverage?
- How can I get the company to pay a claim?
If you're not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.
Car insurance agents are professional risk managers
Many people prefer to buy from a local agent and that is a smart decision Agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing rate quotes online is that you can obtain lower rates and still buy from a local agent.
To help locate an agent, after submitting this short form, the quote information is instantly submitted to insurance agents in Santa Ana who will give you quotes for your business. There is no reason to do any legwork due to the fact that quote results will go to you instantly. If you have a need to get a comparison quote from a specific auto insurance provider, you would need to jump over to their website and fill out their quote form.
Picking an insurer needs to be determined by more than just a cheap price. These are some valid questions you should ask.
- Do they carry Errors and Omissions coverage?
- Do they have cheaper tiers of coverage?
- If you raise deductibles, how much can you save?
- What companies can they write with?
- Does the company have a local claim office in Santa Ana?
Santa Ana car insurance agents are either independent or exclusive
When narrowing the list to find a local insurance agency, you need to know there are two types of insurance agents and how they are distinctly different. Agents are categorized either independent or exclusive. Both types can insure your vehicles properly, but we need to point out the difference in the companies they write for since it may influence the selection process.
Exclusive Insurance Agents
Agents of this type work for only one company and some examples include American Family, State Farm, and AAA. These agents are unable to compare rates from other companies so they really need to provide good service. Exclusive agents are highly trained in insurance sales which aids in selling service over price. Many people purchase coverage from exclusives partially due to the prominence of the brand and solid financial strength.
The following are Santa Ana exclusive insurance agencies that can give you price quotes.
- Farmers Insurance - Rodolfo Guzman
1740 W Edinger Ave - Santa Ana, CA 92704 - (714) 556-5942 - View Map - Allstate Insurance: Sonia Carolina Franco
2017 N Main St - Santa Ana, CA 92706 - (714) 515-8062 - View Map - Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map
Independent Auto Insurance Agencies
Independent agents often have affiliation with several companies so they have the ability to put coverage with lots of companies and get you the best rates possible. If you are not satisfied with one company, your agent can switch companies and you don't have to do anything.
If you need lower rates, you will want to include price quotes from multiple independent agents so that you have a good selection of quotes to compare. A lot of them also have access to smaller companies which can save you money.
The following are independent insurance agents in Santa Ana who can help you get price quote information.
- Nuway Insurance Agency Inc.
410 N Bristol St - Santa Ana, CA 92703 - (714) 953-2117 - View Map - Velece Insurance
830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034 - View Map - Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - View Map