Searching for the cheapest insurance for a new or used Dodge Ram in North Dakota can be difficult, but you can use the following methods to save time.
There is a better way to buy auto insurance so we're going to tell you the quickest way to price shop coverage on a Dodge and locate the best price possible from Fargo insurance agents and online providers.
If you have insurance now or just want cheaper coverage, you will benefit by learning to buy cheaper insurance without sacrificing coverage. Buying affordable insurance policy in Fargo is not as difficult as people think. Drivers just need to know the fastest way to compare prices from many companies at once.
All major car insurance companies allow consumers to get coverage price quotes directly from their websites. Doing online quotes for Dodge Ram insurance in Fargo is quite easy as you just enter the coverages you want on the page. After you submit the form the quote system orders credit information and your driving record and generates pricing information based on the data you entered.
This makes comparing rates easy, and it is important to do this if you are searching for the best possible rates on car insurance.
If you want to find out if lower rates are available, compare rates from the companies below. If you have a policy now, it's recommended you complete the form with the coverages just like they are on your policy. This ensures you are getting rate quotes using the exact same coverages.
The auto insurance companies shown below offer quotes in Fargo, ND. If the list has multiple companies, it's highly recommended you click on several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$184||$256||$350||$20||$104||$914||$76|
|Ram Quad Cab TRX4 Off Road 2WD||$148||$228||$352||$20||$106||$854||$71|
|Ram Quad Cab SLT 2WD||$208||$312||$350||$20||$104||$994||$83|
|Ram Crew Cab ST 2WD||$228||$406||$386||$22||$116||$1,158||$97|
|Ram Quad Cab ST 4WD||$164||$248||$342||$20||$102||$876||$73|
|Ram Crew Cab SLT 2WD||$196||$292||$352||$20||$106||$966||$81|
|Ram Crew Cab TRX 2WD||$196||$292||$352||$20||$106||$966||$81|
|Ram Quad Cab SLT 4WD||$184||$328||$386||$22||$116||$1,036||$86|
|Ram Crew Cab ST 4WD||$204||$328||$322||$20||$96||$970||$81|
|Ram Crew Cab Sport 2WD||$206||$368||$386||$22||$116||$1,098||$92|
|Ram Quad Cab Sport 2WD||$328||$554||$342||$20||$102||$1,346||$112|
|Ram Quad Cab TRX4 Off Road 4WD||$252||$478||$386||$22||$116||$1,254||$105|
|Ram Crew Cab TRX 4WD||$206||$386||$386||$22||$116||$1,116||$93|
|Ram Crew Cab SLT 4WD||$252||$460||$322||$20||$96||$1,150||$96|
|Ram Quad Cab Laramie 2WD||$266||$460||$462||$28||$138||$1,354||$113|
|Ram Crew Cab Laramie 2WD||$206||$386||$386||$22||$116||$1,116||$93|
|Ram Crew Cab Sport 4WD||$272||$374||$448||$26||$134||$1,254||$105|
|Ram Quad Cab Sport 4WD||$268||$428||$352||$20||$106||$1,174||$98|
|Ram Crew Cab Laramie 4WD||$156||$330||$386||$22||$116||$1,010||$84|
|Ram Quad Cab Laramie 4WD||$282||$604||$444||$26||$134||$1,490||$124|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in garaging location in Fargo which can revise insurance rates noticeably.
Auto insurance rates based on gender in Fargo
The information below shows the difference between Dodge Ram auto insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
How careless driving impacts auto insurance rates
The chart below illustrates how speeding tickets and fender-benders can influence Dodge Ram yearly insurance costs for different ages of insureds. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
Save money with discounts
Car insurance can be pricey, but there could be significant discounts that can help lower your rates. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be inquired about in order for you to get them.
- Online Discount - A few larger online companies will give you a small discount for buying your policy on the internet.
- Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
- Early Renewal Discounts - Select insurance companies give a discount for switching companies before your current Ram insurance policy expires. It could save around 10% when you buy Fargo auto insurance online.
- Accident-Free Discounts - Drivers who don't have accidents get the best car insurance rates when compared with frequent claim filers.
- Low Miles Discount - Driving less can earn substantially lower rates.
- Anti-lock Brake Discount - Vehicles with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.
Just know that some credits don't apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like you could get a free car insurance policy, nobody gets a free ride.
To choose insurers that can offer you the previously mentioned discounts in North Dakota, follow this link.
Eight Tips to Get Cheap Fargo Insurance Rates
Consumers need to have an understanding of some of the elements that go into determining the price you pay for insurance. If you know what controls the rates you pay, this enables you to make decisions that could result in much lower annual insurance costs. Many things are taken into consideration when you get your auto insurance bill. Some factors are common sense like your driving record, although others are more obscure like where you live or your vehicle rating.
Do you qualify for a multi-policy discount? - Lots of insurance companies will award discounts to people who have multiple policies with them. It's known as a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal.
Insurance rates and age - More experienced drivers tend to be more responsible, are lower risk to insure, and tend to be get fewer driving tickets.Young drivers are statistically shown to be careless and easily distracted when driving so they pay higher insurance rates.
Is car insurance cheaper for males or females? - Over time, data shows that females take fewer risks when driving. However, this does not mean females are better drivers. Men and women tend to get into accidents in similar percentages, but guys tend to have more serious accidents. In addition to higher claims, males also get higher numbers of serious violations like DWI (DUI) or reckless driving.
Marriage is a factor - Having a spouse can get you a discount on your insurance bill. Having a significant other may mean you are more stable financially and statistics prove being married results in fewer claims.
Stay claim-free and save money - Companies in North Dakota give the lowest premiums to policyholders that do not abuse their auto insurance. If you're an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Auto insurance is meant to be used in the event of the large, substantial claims.
Premiums and your address - Living in less populated areas of the country can be a good thing when buying insurance. Fewer drivers and short commutes means reduced accidents and lower theft and vandalism rates. Residents of big cities tend to have more road rage incidents and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.
Your career may increase rates - Careers like real estate brokers, business owners and stock brokers usually pay the highest average rates in part from intense work requirements and long work days. Other occupations such as actors, athletes and the unemployed pay lower than average rates.
Drive less and save - The more miles you rack up on your Dodge each year the more it will cost to insure it. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. It's a smart idea to ensure your insurance policy states the correct usage, because it can save money. An improperly rated Ram is just wasting money.
Do I need an insurance agent?
A small number of people still like to go talk to an agent and we recommend doing that Agents will help you protect your assets and give you someone to call. One of the best bonuses of comparing insurance prices online is that you can find lower rates and still buy from a local agent. Buying from local insurance agencies is important particularly in Fargo.
To find an agent, once you fill out this short form, your coverage information is instantly submitted to insurance agents in Fargo who will give you bids for your insurance coverage. You won't even need to find an agent on your own because prices are sent immediately to you. If you need to quote rates from one company in particular, feel free to navigate to their website and give them your coverage information.
Not all auto insurance agents are the same
When looking for a local insurance agency, there are a couple of types of agencies from which to choose. Insurance agents in Fargo may be either exclusive or independent agents depending on their company appointments. Either type can insure your vehicles properly, but it is important to understand the difference in the companies they write for since it can affect your selection of an agent.
Independent Insurance Agencies
Agents in the independent channel do not sell for just one brand and that allows them to write policies through lots of different companies and find you cheaper rates. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When shopping rates, you will definitely want to include price quotes from several independent agencies to get the best comparison. Many independent agencies also insure through small regional insurance companies that may provide cheaper insurance rates.
Featured below is a list of independent insurance agencies in Fargo that may be able to give you free insurance quotes.
- Tri County Insurance
158 W Beaton Dr #100 - West Fargo, ND 58078 - (701) 277-1710 - View Map
- Hektner-Lybeck-Erickson Insurance
3345 39th St S - Fargo, ND 58104 - (701) 293-0011 - View Map
- Wells Fargo Insurance Services
1020 36th St S c - Fargo, ND 58103 - (701) 280-8860 - View Map
Exclusive Insurance Agents
Exclusive insurance agents can only quote rates from one company and some examples include State Farm, Allstate, or Farmers Insurance. These agents are not able to provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are well schooled on their company's products which helps offset the inability to provide other markets. Some insured continue to buy from exclusive agents mainly due to high brand loyalty instead of buying on price only.
Below is a short list of exclusive agencies in Fargo that are able to give price quote information.
- American Family Insurance - Toby Lommen Agency Inc
4650 26th Ave S a - Fargo, ND 58104 - (701) 237-3202 - View Map
- State Farm: Derek Christopherson
3535 Main Ave A - Fargo, ND 58103 - (701) 232-2222 - View Map
- Allstate Insurance: Fredrick Hage
2619 S University Dr - Fargo, ND 58103 - (701) 356-3665 - View Map
Finding the right auto insurance agent should depend on more than just the quoted price. Before buying a policy in Fargo, get answers to these questions.
- Is coverage determined by price?
- Which insurance companies are they affiliated with?
- By raising physical damage deductibles, how much would you save?
- Are there any discounts that you might be missing?
- Can they give you a list of client referrals?
- Is working in the agency their full-time job?
- Do you work with a CSR or direct with the agent?
- Do the companies they represent have a solid financial rating?
How to know if you need help
When quoting and choosing coverage online or from an agent, there isn't really a one size fits all plan. Everyone's situation is unique so this has to be addressed. For example, these questions might point out whether or not you will benefit from professional help.
- Are rock-chip repairs free?
- Do I need PIP coverage since I have good health insurance?
- What is covered by UM/UIM coverage?
- Is my cargo covered for damage or theft?
- Should I rate my vehicle as business use?
- If my Dodge Ram is totaled, can I afford another vehicle?
- Does my policy pay for OEM or aftermarket parts?
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 a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
Don't give up on affordable premiums
While you're price shopping online, make sure you don't buy poor coverage just to save money. Too many times, an accident victim reduced uninsured motorist or liability limits and learned later they didn't purchase enough coverage. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.
The cheapest Dodge Ram insurance in Fargo is available online in addition to many Fargo insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies may not have rate quotes online and these small, regional companies provide coverage only through independent insurance agents.
You just read many ways to shop for Dodge Ram insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the best price on car insurance is with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.
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