Discount Dodge Ram insuranceAre you tired of sacrificing other expenses to keep your car insured? You are no different than millions of other people.

A recent survey discovered that a large majority of drivers have been with the same company for well over three years, and nearly the majority have never even shopped around for cheaper coverage. Erie consumers could save approximately 55% a year by just comparing rate quotes, but they think it's difficult to find cheaper auto insurance rates.

Multiple insurers compete to insure your vehicles, so it's not easy to compare every insurance company to find the absolute lowest rate possible on Dodge Ram insurance in Erie.

It is always a good idea to compare premium rates every six months due to the fact that insurance prices change frequently. Just because you had the lowest quotes on Dodge Ram insurance in Erie a year ago the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about Ram insurance out there, but you can learn some solid techniques on how to put money back in your pocket.

If you have auto insurance now, you should be able to cut your premiums using this information. Finding the cheapest auto insurance coverage in Erie is not rocket science. But Pennsylvania drivers must know the way companies market on the web and take advantage of how the system works.

When looking for cheaper Erie car insurance quotes, there are a couple ways to get quotes from many available car insurance companies in Pennsylvania. The easiest way by far to find the lowest rates consists of obtaining rate quotes online.

Getting price quotes online is very simple and it makes it a waste of time to actually drive to insurance agents' offices. Comparing Dodge Ram insurance rates online has reduced the need for local agents unless your situation requires the professional assistance of an agent trained in personal lines coverage. It is possible to compare online quotes and get advice from an agent in your area.

Just keep in mind that making a lot of price comparisons helps improve the odds of finding a better price. Some insurance companies are not set up to provide rate quotes online, so you also need to get price quotes from them as well.

The providers in the list below offer price comparisons in Pennsylvania. If you want cheap auto insurance in Pennsylvania, it's highly recommended you visit two to three different companies to get the best price comparison.

Dodge Ram Insurance Rates in Erie, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $154 $254 $450 $26 $134 $1,018 $85
Ram Quad Cab TRX4 Off Road 2WD $224 $390 $484 $28 $144 $1,270 $106
Ram Quad Cab SLT 2WD $288 $428 $372 $22 $112 $1,222 $102
Ram Crew Cab ST 2WD $222 $356 $350 $20 $104 $1,052 $88
Ram Quad Cab ST 4WD $314 $588 $450 $26 $134 $1,512 $126
Ram Crew Cab SLT 2WD $246 $424 $350 $20 $104 $1,144 $95
Ram Crew Cab TRX 2WD $138 $230 $358 $22 $106 $854 $71
Ram Quad Cab SLT 4WD $182 $294 $358 $22 $106 $962 $80
Ram Crew Cab ST 4WD $224 $390 $484 $28 $144 $1,270 $106
Ram Crew Cab Sport 2WD $250 $460 $484 $28 $144 $1,366 $114
Ram Quad Cab Sport 2WD $180 $292 $384 $22 $114 $992 $83
Ram Quad Cab TRX4 Off Road 4WD $192 $312 $380 $22 $114 $1,020 $85
Ram Crew Cab TRX 4WD $226 $318 $488 $28 $146 $1,206 $101
Ram Crew Cab SLT 4WD $310 $494 $380 $22 $114 $1,320 $110
Ram Quad Cab Laramie 2WD $250 $460 $484 $28 $144 $1,366 $114
Ram Crew Cab Laramie 2WD $254 $468 $450 $26 $134 $1,332 $111
Ram Crew Cab Sport 4WD $396 $742 $502 $30 $150 $1,820 $152
Ram Quad Cab Sport 4WD $356 $622 $502 $30 $150 $1,660 $138
Ram Crew Cab Laramie 4WD $192 $358 $380 $22 $114 $1,066 $89
Ram Quad Cab Laramie 4WD $154 $310 $358 $22 $106 $950 $79
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Table data does not factor in specific Erie garaging location which can influence premiums greatly.

Car insurance rates are higher with tickets and accidents

The information below demonstrates how traffic citations and accident claims impact Dodge Ram car insurance rates for different categories of driver ages. The premium estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Deductible comparison

The diagram below illustrates how your deductible choice and can change Dodge Ram premium costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Comparison of car insurance rates by gender

The example below illustrates the comparison of Dodge Ram insurance premiums for male and female drivers. The costs are based on no claims or driving violations, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Score discounts to get cheaper Erie insurance quotes

Some providers don't list every possible discount very well, so we researched a few of the more well known and the more hidden discounts that may be available.Cheaper insurance with discounts

Please keep in mind that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, companies don't profit that way. Any amount of discount will cut your policy premium.

To view companies that offer some of these discounts in Pennsylvania, click this link.

Why you need insurance for your Dodge vehicle

Even though Erie Ram insurance rates can get expensive, buying car insurance is required in Pennsylvania but it also protects you in many ways.

The benefits of insuring your Ram definitely exceed the cost, particularly for liability claims. On average, a vehicle owner in Erie is wasting up to $800 each year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

Which is the best insurance?

When quoting and choosing adequate coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's situation is a little different.Drive safe and save

Here are some questions about coverages that might help in determining if your situation would benefit from an agent's advice.

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don't have a local agent, complete this form.

Insurance agents are trained to help

Some consumers just want to go talk to an agent and that can be a smart move One of the best bonuses of comparing auto insurance online is the fact that you can find lower rates but also keep your business local.

Insurance agency in ErieTo find an agent, once you fill out this quick form, your coverage information gets sent to insurance agents in Erie who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies since rate quotes are delivered directly to you. You can find better rates and an insurance agent to talk to. If you need to compare prices from one company in particular, you just need to jump over to their website and fill out their quote form.

Choosing the best company should include more criteria than just the bottom line cost. Here are some questions to ask:

Exclusive and independent Erie car insurance agents

When researching a reliable insurance agency, you should know the different types of agencies from which to choose. Auto insurance policy providers are classified as either independent or exclusive depending on the company they work for.

Exclusive Auto Insurance Agents

These agents are contracted to one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare rates from other companies so it's a take it or leave it situation. These agents receive extensive training on their company's products which helps them compete with independent agents.

Shown below are Erie exclusive agencies that are able to give price quotes.

3309 Liberty St #1188 - Erie, PA 16508 - (814) 868-9800 - View Map

952 W 38th St - Erie, PA 16508 - (814) 866-1941 - View Map

3319 W 26th St - Erie, PA 16506 - (814) 833-6663 - View Map

More Erie agents

Independent Insurance Agents

Agents in the independent channel are not locked into one company so they can quote policies with a variety of different insurance companies enabling the ability to shop coverage around. If prices rise, the agent simply finds a different carrier which makes it simple for you. When comparing auto insurance rates, you will definitely want to get insurance quotes from several independent insurance agents to have the best price comparison.

Below are independent agents in Erie willing to provide price quote information.

1061 W 26th St - Erie, PA 16508 - (814) 453-6235 - View Map

First Choice Insurance
1224 W 38th St - Erie, PA 16508 - (814) 866-6000 - View Map

712 Maryland Ave - Erie, PA 16505 - (814) 452-2723 - View Map

More Erie agents