Find Affordable Dodge Ram 3500 Insurance in Seattle

Insurance for Dodge Ram 3500Trying to find the cheapest insurance for a Dodge Ram 3500 in Washington can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to find auto insurance online and you need to know the absolute fastest way to price shop coverage for a Dodge and obtain the lowest possible price from Seattle insurance agents and online providers.

Low-cost companies for Dodge Ram 3500 insurance in Washington

The providers in the list below offer comparison quotes in Seattle, WA. If several companies are displayed, we suggest you visit several of them to get the best price comparison.


Dodge Ram 3500 Insurance Price Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $286 $472 $398 $24 $120 $1,300 $108
Ram 3500 Crew Cab ST 2WD $344 $620 $356 $22 $106 $1,448 $121
Ram 3500 Crew Cab ST 4WD $198 $348 $416 $24 $124 $1,110 $93
Ram 3500 Crew Cab SLT 2WD $272 $510 $334 $20 $100 $1,236 $103
Ram 3500 Mega Cab SLT 2WD $190 $320 $300 $18 $90 $918 $77
Ram 3500 Mega Cab SLT 4WD $304 $666 $574 $34 $172 $1,750 $146
Ram 3500 Crew Cab SLT 4WD $150 $308 $416 $24 $124 $1,022 $85
Ram 3500 Crew Cab Laramie 4WD $302 $690 $464 $28 $138 $1,622 $135
Ram 3500 Mega Cab Laramie 2WD $220 $432 $334 $20 $100 $1,106 $92
Ram 3500 Crew Cab Laramie 2WD $220 $412 $310 $18 $92 $1,052 $88
Ram 3500 Mega Cab Laramie 4WD $246 $536 $574 $34 $172 $1,562 $130
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can alter prices substantially.

Car insurance deductibles

The hardest decision when buying coverage is which deductible level should you buy. The following tables may help you to understand the costs and benefits of buying low and high physical damage coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.


Dodge Ram 3500 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $286 $458 $294 $18 $88 $1,169 $97
Ram 3500 Crew Cab ST 2WD $352 $540 $294 $18 $88 $1,317 $110
Ram 3500 Crew Cab ST 4WD $352 $622 $442 $26 $132 $1,599 $133
Ram 3500 Crew Cab SLT 2WD $352 $622 $294 $18 $88 $1,399 $117
Ram 3500 Mega Cab SLT 2WD $352 $622 $294 $18 $88 $1,399 $117
Ram 3500 Mega Cab SLT 4WD $352 $704 $442 $26 $132 $1,681 $140
Ram 3500 Crew Cab SLT 4WD $352 $704 $442 $26 $132 $1,681 $140
Ram 3500 Crew Cab Laramie 4WD $352 $704 $442 $26 $132 $1,681 $140
Ram 3500 Mega Cab Laramie 2WD $352 $622 $294 $18 $88 $1,399 $117
Ram 3500 Crew Cab Laramie 2WD $352 $622 $294 $18 $88 $1,399 $117
Ram 3500 Mega Cab Laramie 4WD $352 $704 $442 $26 $132 $1,681 $140
Get Your Own Custom Quote Go

Dodge Ram 3500 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $208 $310 $294 $18 $88 $918 $77
Ram 3500 Crew Cab ST 2WD $256 $364 $294 $18 $88 $1,020 $85
Ram 3500 Crew Cab ST 4WD $256 $420 $442 $26 $132 $1,276 $106
Ram 3500 Crew Cab SLT 2WD $256 $420 $294 $18 $88 $1,076 $90
Ram 3500 Mega Cab SLT 2WD $256 $420 $294 $18 $88 $1,076 $90
Ram 3500 Mega Cab SLT 4WD $256 $476 $442 $26 $132 $1,332 $111
Ram 3500 Crew Cab SLT 4WD $256 $476 $442 $26 $132 $1,332 $111
Ram 3500 Crew Cab Laramie 4WD $256 $476 $442 $26 $132 $1,332 $111
Ram 3500 Mega Cab Laramie 2WD $256 $420 $294 $18 $88 $1,076 $90
Ram 3500 Crew Cab Laramie 2WD $256 $420 $294 $18 $88 $1,076 $90
Ram 3500 Mega Cab Laramie 4WD $256 $476 $442 $26 $132 $1,332 $111
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific location which can alter coverage prices significantly.

Using the data above, we can ascertain that using a $100 deductible costs approximately $27 more each month or $324 a year than quoting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have more than 15 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Higher deductibles save money

The example below illustrates how your choice of deductibles and can raise or lower Dodge Ram 3500 insurance premiums for different age groups of insureds. The premiums are based on a married female driver, full coverage, and no additional discounts are factored in.

Cheap Seattle insurance quotes with discounts

Some providers do not advertise the entire discount list very well, so we took the time to find a few of the more well known as well as some of the hidden credits available to bring down your rates.Insurance discounts

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free insurance policy, company stockholders wouldn’t be very happy.

Large insurance companies and the discounts they provide are detailed below.

It’s a good idea to ask each insurance company the best way to save money. Some discounts listed above might not be offered everywhere. If you would like to view insurance companies with the best discounts in Washington, click here to view.

Learn How to Lower Your Insurance Costs

Lots of things are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving record, but other criteria are less apparent like where you live or how safe your car is.

The itemized list below are some of the factors used by companies to determine your premiums.

Safer cars save money – Safe vehicles tend to be cheaper to insure. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries translates into savings for insurance companies and thus lower rates.

If you don’t need it don’t buy it – Insurance policies have a lot of optional add-on coverages that can waste your money if you don’t pay attention. Coverage for things like coverage for rental cars, accident forgiveness, and Farm Bureau memberships may be costing you every month. They may seem good when buying your policy, but now you might not need them so consider taking them off your policy.

Certain employers raise rates – Did you know your career choice can influence rates? Jobs like fire fighters, social workers and financial analysts have higher average rates because of high stress and lots of time spent at work. Conversely, occupations like scientists, students and homemakers receive lower rates.

Better rates for no policy lapses – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, not being able to provide proof of insurance will get you fines and jail time.

Bump up physical damage deductibles to lower rates – Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your Dodge. A few examples of covered claims could be a windshield shattered by a rock, flood damage, and damage caused by flying debris. The deductibles state the amount of money you are willing to pay if the claim is covered. The more expense you pay before a claim is paid (deductible), the better rate you will receive.

An active insurance claims history can increase rates – Companies in Washington give most affordable rates to policyholders who are not frequent claim filers. If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

Prices go up with performance – The performance level of the car or truck you need insurance for makes a significant difference in your car insurance bill. Because the Dodge Ram 3500 is a pickup truck, insuring your vehicle will cost similar in price as compared to the average rate in Seattle. Lower performance four cylinder passenger cars receive the most favorable rates, but other factors influence the final cost greatly.

Local Seattle insurance agents and car insurance

Certain consumers would prefer to sit down and talk to an agent and that is a personal choice. Most agents are trained risk managers and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that drivers can get cheap car insurance rates but also keep your business local. And providing support for local insurance agencies is still important in Seattle.

Seattle insurance agentsAfter completing this short form, your coverage information is immediately sent to local insurance agents in Seattle that give free quotes for your business. You never need to leave your computer since price quotes are sent to you directly. If you wish to get a price quote from one company in particular, don’t hesitate to find their quoting web page and submit a quote form there.

If you want a reputable agency, you should know the different agency structures and how they can service your needs differently. Agents are considered either exclusive or independent agents depending on their company appointments. Either one can provide car insurance policies, but it’s important to know the differences since it can affect the selection process.

Independent Car Insurance Agents

Agents in the independent channel do not sell for just one brand so they can insure your vehicles through lots of different companies and potentially find a lower price. To move your coverage to a new company, they simply switch companies in-house which is easy for the insured.

If you are comparing car insurance prices, you absolutely need to get several quotes from several independent agencies for the best price selection. Most can insure with small regional insurance companies that may provide cheaper car insurance rates.

Featured below is a list of independent insurance agents in Seattle that may be able to provide free price quotes.

More Seattle agents

Exclusive Agents

Agents that elect to be exclusive have only one company to place business with and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive agencies are well trained in insurance sales which helps them sell on service rather than price. Consumers often use the same agent primarily because of high brand loyalty instead of buying on price only.

Shown below is a list of exclusive insurance agents in Seattle that are able to give price quotes.

More Seattle agents

Finding a good insurance agent should depend on more than just a cheap price. Any agent in Seattle should be willing to answer these questions.

Do drivers who switch really save?

Washington consumers can’t get away from ads that promise big savings for switching by companies like Allstate and Progressive. All the companies state the claim about saving some big amount just by switching your car insurance coverage to their company.

How do they all say the same thing? Here is how they do it.

Insurance providers give the best rates for the right customer that will not have excessive claims. A good example of a preferred risk may need to be between the ages of 30 and 50, has never had a policy lapse, and drives less than 10,000 miles a year. A customer getting a price quote that matches those criteria will most likely get cheap premium rates and will also save when switching.

Insureds who do not match those standards must pay a higher premium which results in the customer not purchasing. The wording the ads use say “customers that switch” not “everybody who quotes” will save that much if they switch. That’s the way insurance companies can confidently make those claims.

This really illustrates why drivers must compare free Seattle car insurance quotes often. It is impossible to predict which company will provide the lowest Dodge Ram 3500 insurance in Seattle.

Find cheap rates by being thorough

Insureds who switch companies do it for any number of reasons including poor customer service, an unsatisfactory settlement offer, being labeled a high risk driver or policy cancellation. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

We just covered a lot of tips how to reduce Dodge Ram 3500 insurance prices online in Seattle. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest prices are with a lesser-known regional company.

There are still a few companies who may not offer rates over the internet and many times these smaller companies provide coverage only through independent agencies. Budget-conscious Dodge Ram 3500 insurance can be found on the web in addition to many Seattle insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

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