Dodge Ram Insurance Quotes in Chicago

How long has it been since the last time you looked for cheaper Dodge Ram insurance in Chicago? Pretty sure you bought overpriced Dodge Ram insurance in Chicago? Say no more because there are lots of people in the same boat.

Discount Dodge Ram insuranceRegrettably, the vast majority of car insurance customers kept their policy with the same company for a minimum of four years, and 38% of customers have never shopped around. Consumers in Illinois could save 40% each year just by getting comparison quotes, but they don’t want to spend time to save money by comparing rate quotes.

Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to get the lowest rate on Dodge Ram insurance in Chicago.

It’s important to know that getting more free quotes helps locate better pricing. Not every company allows you to get Chicago Ram insurance quotes over the internet, so it’s recommended that you also compare price quotes on coverage from those companies, too.

The car insurance companies shown below are our best choices to provide free quotes in Chicago, IL. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.

Dodge Ram Insurance Estimates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $194 $316 $384 $22 $114 $1,030 $86
Ram Quad Cab TRX4 Off Road 2WD $120 $210 $334 $20 $100 $784 $65
Ram Quad Cab SLT 2WD $138 $246 $356 $22 $106 $868 $72
Ram Crew Cab ST 2WD $198 $344 $284 $16 $84 $926 $77
Ram Quad Cab ST 4WD $252 $418 $398 $24 $120 $1,212 $101
Ram Crew Cab SLT 2WD $142 $228 $278 $16 $84 $748 $62
Ram Crew Cab TRX 2WD $108 $178 $278 $16 $84 $664 $55
Ram Quad Cab SLT 4WD $198 $344 $284 $16 $84 $926 $77
Ram Crew Cab ST 4WD $196 $336 $278 $16 $84 $910 $76
Ram Crew Cab Sport 2WD $198 $364 $384 $22 $114 $1,082 $90
Ram Quad Cab Sport 2WD $322 $478 $386 $22 $116 $1,324 $110
Ram Quad Cab TRX4 Off Road 4WD $178 $316 $334 $20 $100 $948 $79
Ram Crew Cab TRX 4WD $276 $550 $356 $22 $106 $1,310 $109
Ram Crew Cab SLT 4WD $290 $400 $386 $22 $116 $1,214 $101
Ram Quad Cab Laramie 2WD $178 $316 $334 $20 $100 $948 $79
Ram Crew Cab Laramie 2WD $154 $290 $356 $22 $106 $928 $77
Ram Crew Cab Sport 4WD $242 $492 $334 $20 $100 $1,188 $99
Ram Quad Cab Sport 4WD $160 $274 $284 $16 $84 $818 $68
Ram Crew Cab Laramie 4WD $272 $622 $384 $22 $114 $1,414 $118
Ram Quad Cab Laramie 4WD $156 $290 $294 $18 $88 $846 $71
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in vehicle location which can decrease or increase coverage rates substantially.

Rate comparison of males versus females

The chart below visualizes the comparison of Dodge Ram annual premium costs for male and female drivers. The data is based on no violations or accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are applied.

Discounts can help to save on Dodge Ram insurance in Chicago

Car insurance companies do not advertise every policy discount very well, so the below list has a few of the more well known as well as the least known credits that may apply to you.Cheaper car insurance with discounts

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Companies and a partial list of their discounts are shown below.

When quoting, ask every prospective company what discounts are available to you. A few discounts may not apply in your state. If you would like to see a list of car insurance companies that offer some of these discounts in Illinois, click this link.

Local Chicago car insurance agents

Many people still like to go talk to an agent and we recommend doing that A nice benefit of comparing rate quotes online is that you can obtain cheaper prices and still have an agent to talk to. And supporting local insurance agents is definitely important in Chicago.

Chicago insurance agentsFor easy comparison, once you complete this quick form, the quote information is sent to companies in Chicago that provide free Chicago car insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies since price quotes are sent to you instantly. You can get cheaper auto insurance rates and an insurance agent to talk to. If for some reason you want to get a rate quote for a specific company, you would need to search and find their rate quote page and give them your coverage information.

When narrowing the list to find a reliable insurance agent, there are a couple of different types of agents and how they are distinctly different. Auto insurance agencies can be classified as either independent or exclusive depending on the company they work for.

Independent Agencies or Brokers

Independent insurance agents are not locked into one company and that is an advantage because they can write policies amongst many companies and help determine which has the cheapest rates. If they find a lower price, they simply move the coverage in-house and you stay with the same agent. When comparing auto insurance prices, we recommend you compare quotes from several independent insurance agents so that you can do a thorough price comparison.

Shown below is a small list of independent agencies in Chicago who may be able to give you pricing information.

1034 N Ashland AveChicago, IL 60622(773) 286-3473View Map

4900 W Belmont AveChicago, IL 60641(773) 205-8255View Map

4450 N Western AveChicago, IL 60625(773) 433-3300View Map

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Exclusive Agents

Exclusive agents work for only one company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agencies receive extensive training in insurance sales which helps overcome the inability to quote other rates.

The following are exclusive insurance agencies in Chicago who can help you get comparison quotes.

6108 S Archer AveChicago, IL 60638(773) 582-3322View Map

725 W 31st StChicago, IL 60616(312) 791-1200View Map

4317 N Lincoln AveChicago, IL 60618(773) 477-3300View Map

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Choosing the best car insurance agent requires more thought than just the premium amount. Here are some questions to ask:

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, chiropractic care, nursing services, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hitting a deer, rock chips in glass, damage from flooding and hitting a bird. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Ram.

Since many Illinois drivers have only the minimum liability required by law (Illinois limits are 20/40/15), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance will pay to fix damage to your Ram resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, sustaining damage from a pot hole, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible on your Ram in order to get cheaper collision rates.

Liability car insurance

This will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 20/40/15 which stand for a $20,000 limit per person for injuries, $40,000 for the entire accident, and property damage coverage for $15,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, loss of income and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford. Illinois state minimum liability requirements are 20/40/15 but it’s recommended drivers buy more liability than the minimum.

Shop around and save

When getting Chicago car insurance quotes online, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best cost, but do not skimp to save money.

A few companies may not provide online quoting and these smaller companies sell through local independent agencies. Low-cost Dodge Ram insurance in Chicago can be sourced on the web in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money.

Much more information about car insurance in Illinois can be found at these links: