Best Insurance for a Dodge Ram 3500 in Durham

Discount Dodge Ram 3500 insuranceA recent NerdWallet.com study revealed that the vast majority of drivers have purchased from the same company for well over three years, and nearly half have never compared rate quotes at all. North Carolina consumers could cut their rates by $94 a year just by comparing rates, but they feel it’s too difficult to find cheap auto insurance rates.

If you want to save the most money, the best way to find more affordable Dodge Ram 3500 insurance is to start comparing rates regularly from insurance carriers who sell insurance in Durham. You can compare prices by following these guidelines.

The key aspect of shopping around is to make sure you enter similar limits and deductibles on each quote and to quote with every company you can. Doing this ensures an accurate price comparison and the best price quote selection.

Why Your Insurance Premiums might be higher

Part of the car insurance buying process is learning the different types of things that help calculate your premiums. When you understand what influences your rates, this enables informed choices that may reward you with cheaper rates.

The following are some of the factors that factor into premiums.

Analysis of Dodge Ram 3500 rates

The premium information below showcases estimates of rate quotes for Dodge Ram 3500 models. Having a better understanding of how policy premiums are calculated is important to be able to make decisions on the best policy to buy.


Dodge Ram 3500 Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $196 $322 $336 $20 $100 $974 $81
Ram 3500 Crew Cab ST 2WD $240 $378 $336 $20 $100 $1,074 $90
Ram 3500 Crew Cab ST 4WD $240 $436 $504 $30 $150 $1,360 $113
Ram 3500 Crew Cab SLT 2WD $240 $436 $336 $20 $100 $1,132 $94
Ram 3500 Mega Cab SLT 2WD $240 $436 $336 $20 $100 $1,132 $94
Ram 3500 Mega Cab SLT 4WD $240 $494 $504 $30 $150 $1,418 $118
Ram 3500 Crew Cab SLT 4WD $240 $494 $504 $30 $150 $1,418 $118
Ram 3500 Crew Cab Laramie 4WD $240 $494 $504 $30 $150 $1,418 $118
Ram 3500 Mega Cab Laramie 2WD $240 $436 $336 $20 $100 $1,132 $94
Ram 3500 Crew Cab Laramie 2WD $240 $436 $336 $20 $100 $1,132 $94
Ram 3500 Mega Cab Laramie 4WD $240 $494 $504 $30 $150 $1,418 $118
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific Durham garaging location which can change premiums significantly.

Get cheaper rates with discounts

Some companies do not advertise every available discount in an easy-to-find place, so the list below details a few of the more well known in addition to some of the lesser obvious credits that may apply to you.Cheaper insurance with discounts

Don’t be surprised that some of the credits will not apply to the whole policy. Most only reduce specific coverage prices like comp or med pay. So even though you would think you could get a free insurance policy, it’s just not the way it works.

The example below illustrates the comparison of Dodge Ram 3500 car insurance rates with and without discounts applied to the premium. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, multi-car, and marriage discounts applied.

To see insurance companies with discount rates in Durham, click this link.

Which car insurance company is best in North Carolina?

Picking a highly-rated auto insurance provider is difficult considering how many companies are available to choose from in North Carolina. The ranking data in the next section can help you analyze which providers you want to consider to insure your vehicles.

Top 10 Durham Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

Top 10 Durham Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. Nationwide – A+
  9. The Hartford – A+
  10. Allstate – A+

Auto insurance savings summarized

Insureds leave their current company for a number of reasons such as policy cancellation, high prices, delays in paying claims and denial of a claim. No matter why you want to switch, finding the right auto insurance provider can be pretty painless.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.

Throughout this article, we presented quite a bit of information on how to reduce Dodge Ram 3500 insurance prices online in Durham. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding low cost Durham auto insurance quotes. Consumers may even find the best prices are with the least-expected company.

Even more information can be found in the articles below: