Compare Dodge Ram Insurance Quotes in Columbus

If you’re trying to find lower-cost insurance on the web, do you get overwhelmed by the number of insurance choices in Columbus? There are so many choices to choose from that it can be a difficult mission to lower your insurance rates for Dodge Ram insurance in Columbus. Everyone knows that Columbus is a wonderful place to live, but pricey insurance can make it impossible to make ends meet.

Insurance quote for Dodge Ram in ColumbusIt’s an obvious statement that auto insurance companies don’t want you to look at other companies. Insureds who get price quotes annually are inclined to switch companies because they have a good chance of finding lower prices. A study showed that consumers who compared prices regularly saved as much as $3,500 over four years as compared to drivers who never compared prices.

If finding the cheapest rates on Dodge Ram insurance is the reason you’re reading this, knowing how to find companies and compare coverage rates can help you succeed in finding affordable rates.

You need to do rate comparisons occasionally because insurance prices are constantly changing. Even if you think you had the best deal on Dodge Ram insurance in Columbus on your last policy you will most likely find a better premium rate today. Block out anything you think you know about insurance because you’re going to get a crash course in the best methods to find lower rates on insurance.

Statistics and details

The premium table shown below outlines a range of coverage prices for Dodge Ram models. Having a better idea how policy premiums are determined can help customers make informed coverage decisions.

Dodge Ram Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $120 $188 $346 $20 $104 $778 $65
Ram Quad Cab TRX4 Off Road 2WD $136 $228 $346 $20 $104 $834 $70
Ram Quad Cab SLT 2WD $136 $228 $346 $20 $104 $834 $70
Ram Crew Cab ST 2WD $136 $228 $346 $20 $104 $834 $70
Ram Quad Cab ST 4WD $136 $228 $346 $20 $104 $834 $70
Ram Crew Cab SLT 2WD $136 $228 $346 $20 $104 $834 $70
Ram Crew Cab TRX 2WD $136 $228 $346 $20 $104 $834 $70
Ram Quad Cab SLT 4WD $136 $228 $346 $20 $104 $834 $70
Ram Crew Cab ST 4WD $136 $228 $346 $20 $104 $834 $70
Ram Crew Cab Sport 2WD $152 $270 $346 $20 $104 $892 $74
Ram Quad Cab Sport 2WD $152 $270 $346 $20 $104 $892 $74
Ram Quad Cab TRX4 Off Road 4WD $152 $270 $346 $20 $104 $892 $74
Ram Crew Cab TRX 4WD $152 $270 $346 $20 $104 $892 $74
Ram Crew Cab SLT 4WD $152 $270 $346 $20 $104 $892 $74
Ram Quad Cab Laramie 2WD $152 $270 $346 $20 $104 $892 $74
Ram Crew Cab Laramie 2WD $152 $270 $346 $20 $104 $892 $74
Ram Crew Cab Sport 4WD $152 $270 $346 $20 $104 $892 $74
Ram Quad Cab Sport 4WD $152 $270 $346 $20 $104 $892 $74
Ram Crew Cab Laramie 4WD $152 $310 $346 $20 $104 $932 $78
Ram Quad Cab Laramie 4WD $152 $310 $346 $20 $104 $932 $78
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in your specific Columbus location which can alter coverage prices significantly.

Impact of speeding/accidents on car insurance rates

The chart below demonstrates how citations and at-fault collisions can influence Dodge Ram insurance rates for each different age category. The data is based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Do you need full coverage?

The illustration below compares Dodge Ram insurance prices when comparing full coverage to state minimum liability only. The premium estimates are based on no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage?

There is no exact rule that works best for making the decision to drop comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Dodge Ram claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after you pay the deductible. If premiums are more than $700 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where only buying liability is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Ram resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible on your Ram to bring the cost down.


This will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability insurance covers claims such as medical services, funeral expenses, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible. Ohio requires drivers to carry at least 25/50/25 but it’s recommended drivers buy better liability coverage.

The chart below demonstrates why low liability limits may not be high enough to cover claims.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, rock chips in glass, hitting a bird and hitting a deer. The most your auto 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 not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Dodge Ram.

Since many Ohio drivers only carry the minimum required liability limits (Ohio limits are 25/50/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

In conclusion

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced collision coverage and found out when filing a claim that they should have had better coverage. The aim is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

Budget-conscious Dodge Ram insurance can be found from both online companies in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide the ability to get quotes online and many times these small insurance companies only sell through local independent agencies.

Consumers who switch companies do it for a variety of reasons including policy non-renewal, questionable increases in premium, not issuing a premium refund and even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company can be easier than you think.

How to find lower priced Dodge Ram insurance in Columbus

If you want to save money, the best way to save money on Dodge Ram insurance in Columbus is to compare quotes annually from different companies that insure vehicles in Ohio.

One key aspect when comparing rates is to make sure you’re comparing identical deductibles and limits on every quote request and and to get prices from as many companies as feasibly possible. This ensures a fair price comparison and and a good selection of different prices.

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