Auto Insurance Quotes for a Dodge Ram in Baltimore

It’s safe to assume that auto insurance companies don’t want policyholders to compare prices from other companies. Drivers who compare other rates will, in all likelihood, buy a new policy because they have a good chance of finding a more affordable policy. Surprisingly, a recent survey revealed that drivers who regularly shopped around saved as much as $3,500 over four years compared to those who don’t make a habit of comparing rates.

If finding the lowest price for insurance is your objective, then learning a little about how to shop for auto insurance can save time and make the process easier.

Discount Dodge Ram insuranceIf you want to save the most money, the best way to get the cheapest car insurance rates in Baltimore is to compare quotes once a year from different companies who provide auto insurance in Maryland.

  1. It will benefit you to learn about individual coverages and the modifications you can make to lower rates. Many things that result in higher rates like careless driving and a low credit rating can be rectified by improving your driving habits or financial responsibility.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can quote rates from multiple companies. Begin your rate comparison
  3. Compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide notification to your current agent or company to cancel your current coverage and submit any necessary down payment along with the completed application to your new company or agent. Don’t forget to keep your new proof of insurance paperwork with the vehicle registration.

One key aspect when comparing rates is that you use identical coverage information on each quote and and to compare as many auto insurance providers as possible. Doing this provides a fair rate comparison and plenty of rates choose from.

If you are insured now, you will definitely be able to reduce the price you pay using the ideas covered in this article. These tips will help you learn the best methods to compare rates and some tips to save money. Nevertheless, Maryland vehicle owners benefit from understanding how insurance companies determine what you pay and take advantage of how the system works.

How to buy Baltimore Dodge Ram insurance online

When price shopping your coverage, comparing all the rates in your area will improve the odds of getting a lower rate.

The providers in the list below are our best choices to provide free quotes in Maryland. If you want the best auto insurance in Baltimore, MD, it’s a good idea that you compare several of them to find the most competitive car insurance rates.

Dodge Ram insurance discounts in Baltimore

Some companies don’t always publicize every possible discount in an easy-to-find place, so below is a list some of the more common and also the lesser-known credits that may apply to you.Discount insurance

It’s important to note that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The diagram below illustrates the difference between Dodge Ram auto insurance rates with and without discounts applied to the rates. The information is based on a male driver, no violations or claims, Maryland state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, safe-driver, multi-car, and claim-free discounts applied.

Some of the larger companies that may have these money-saving discounts include:

When getting a coverage quote, ask every prospective company what discounts are available to you. Discounts may not apply in Baltimore.

Rates and data analysis

The price information displayed below outlines a range of insurance costs for Dodge Ram models. Having a good grasp of how auto insurance premiums are determined can aid in making smart choices when buying a car insurance policy.

Dodge Ram Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $216 $336 $620 $36 $186 $1,394 $116
Ram Quad Cab TRX4 Off Road 2WD $242 $410 $620 $36 $186 $1,494 $125
Ram Quad Cab SLT 2WD $242 $410 $620 $36 $186 $1,494 $125
Ram Crew Cab ST 2WD $242 $410 $620 $36 $186 $1,494 $125
Ram Quad Cab ST 4WD $242 $410 $620 $36 $186 $1,494 $125
Ram Crew Cab SLT 2WD $242 $410 $620 $36 $186 $1,494 $125
Ram Crew Cab TRX 2WD $242 $410 $620 $36 $186 $1,494 $125
Ram Quad Cab SLT 4WD $242 $410 $620 $36 $186 $1,494 $125
Ram Crew Cab ST 4WD $242 $410 $620 $36 $186 $1,494 $125
Ram Crew Cab Sport 2WD $270 $482 $620 $36 $186 $1,594 $133
Ram Quad Cab Sport 2WD $270 $482 $620 $36 $186 $1,594 $133
Ram Quad Cab TRX4 Off Road 4WD $270 $482 $620 $36 $186 $1,594 $133
Ram Crew Cab TRX 4WD $270 $482 $620 $36 $186 $1,594 $133
Ram Crew Cab SLT 4WD $270 $482 $620 $36 $186 $1,594 $133
Ram Quad Cab Laramie 2WD $270 $482 $620 $36 $186 $1,594 $133
Ram Crew Cab Laramie 2WD $270 $482 $620 $36 $186 $1,594 $133
Ram Crew Cab Sport 4WD $270 $482 $620 $36 $186 $1,594 $133
Ram Quad Cab Sport 4WD $270 $482 $620 $36 $186 $1,594 $133
Ram Crew Cab Laramie 4WD $270 $554 $620 $36 $186 $1,666 $139
Ram Quad Cab Laramie 4WD $270 $554 $620 $36 $186 $1,666 $139
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in your specific Baltimore location which can decrease or increase insurance rates greatly.

Careless Baltimore drivers pay higher rates

The illustration below shows how speeding tickets and accidents can impact Dodge Ram yearly insurance costs for different ages of insureds. Data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Age-based insurance rates by gender in Baltimore

The diagram below shows the difference between Dodge Ram insurance premiums for male and female drivers. The premium estimates are based on no violations or accidents, full physical damage coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

What if I want to buy from local Baltimore insurance agencies?

A small number of people still like to talk to a local agent. A good thing about comparing rate quotes online is you can get cheap rate quotes but still work with a licensed agent. Buying from local insurance agencies is especially important in Baltimore.

Insurance agency in BaltimoreTo make it easy to find an agent, after completing this short form, your information is emailed to agents in your area who will return price quotes to get your business. You never need to drive around since rate quotes are delivered directly to your email. You can find better rates AND an agent nearby. If you wish to compare prices from a specific company, don’t hesitate to jump over to their website and give them your coverage information.

If you are wanting to purchase insurance from a local insurance agency, it’s important to understand the different agency structures and how they can quote your rates. Insurance agencies can be classified as either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents

Agents in the independent channel are not limited to a single company and that is an advantage because they can write policies through lots of different companies and find you the best rates. If your premiums go up, they simply switch companies in-house and you stay with the same agent. If you are comparing rate quotes, it’s recommended you contact a few independent agents in order to have the best price comparison. Most can insure with companies that do not advertise much that may provide cheaper insurance rates.

The following is a short list of independent insurance agencies in Baltimore that can possibly get you price quotes.

View more Baltimore agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide one company’s prices like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to compare other company’s rates so it’s a take it or leave it situation. These agents receive extensive training on what they offer which helps offset the inability to provide other markets. Some people will only purchase coverage from exclusives partially due to the brand rather than having the cheapest rates.

Below is a list of exclusive agencies in Baltimore who can help you get comparison quotes.

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Finding the right auto insurance agent should depend on more than just a cheap price quote. Any good agent in Baltimore should know the answers to these questions.

Coverages available on your auto insurance policy

Having a good grasp of auto insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Dodge Ram.

Since many Maryland drivers have only the minimum liability required by law (which is 30/60/15), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for chiropractic care, funeral costs, dental work and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible


Liability insurance protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 30/60/15 which means a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and $15,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as pain and suffering, bail bonds, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but buy higher limits if possible. Maryland state law requires minimum liability limits of 30/60/15 but you should consider buying more coverage.

The illustration below shows why buying low liability limits may not provide you with enough coverage.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers claims like hitting a deer, damage from getting keyed, hail damage, rock chips in glass and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

This will pay to fix damage to your Ram resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, hitting a mailbox, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your Ram to bring the cost down.

Get the best coverage at the best price

We covered some good ideas how you can lower your Dodge Ram insurance prices in Baltimore. It’s most important to understand that the more rate quotes you have, the higher your chance of finding low cost Baltimore auto insurance quotes. You may even be surprised to find that the best price on auto insurance is with a small local company.

Budget-friendly auto insurance in Baltimore can be purchased from both online companies as well as from independent agents in Baltimore, and you should be comparing both in order to have the best chance of saving money. Some insurance providers don’t offer internet price quotes and many times these small insurance companies prefer to sell through independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. In many cases, consumers will sacrifice full coverage only to discover later that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the best price.

Much more information about auto insurance in Maryland is located below: