Compare Dodge Ram 3500 Insurance Rates in Arlington

Are you researching more affordable Dodge Ram 3500 insurance in Arlington? Trying to come up with a payment for overpriced auto insurance can deplete your budget and make it hard to pay other bills. Performing a price comparison is free and is an excellent way to lower your bills every month.

Insurance for Dodge Ram 3500It’s hard to believe, but almost 70% of drivers have stayed with the same insurance company for a minimum of four years, and about 40% of consumers have never taken the time to shop around. Many drivers in Arlington could save as much as 70% every year, but they just don’t understand how easy it is to find cheap rates by getting comparison quotes.

How to find low-cost rates for Dodge Ram 3500 insurance in Arlington

The easiest way to get more affordable auto insurance rates in Arlington is to make a habit of comparing prices annually from insurers who sell auto insurance in Texas. Prices can be compared by following these steps.

  1. Take a few minutes and learn about how companies price auto insurance and the measures you can take to lower rates. Many things that are responsible for high rates like traffic violations and poor credit rating can be amended by making minor driving habit or lifestyle changes.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers.
  3. Compare the new rate quotes to the price on your current policy and determine if cheaper Ram 3500 coverage is available. If you find a better price, ensure there is no coverage lapse between policies.

The most important part of shopping around is that you use the same deductibles and limits on each quote request and and to get rate quotes from every insurance company. This guarantees an accurate price comparison and the best price selection.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with advertising and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

It’s smart to do rate comparisons once or twice a year since prices trend upward over time. Despite the fact that you may have had the best deal on Dodge Ram 3500 insurance in Arlington a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to show you one of the easiest ways to save money, get proper coverage and the best rates.

If you’re already insured, you stand a good chance to be able to find the best rates using this strategy. Buying affordable insurance in Arlington is not that difficult. But Texas vehicle owners must know the way companies price insurance differently because it can help you find the best coverage.

When looking for affordable Arlington auto insurance quotes, there are a couple ways to compare prices from companies that offer auto insurance in Texas. The best way to find cheaper Dodge Ram 3500 rates is to get quotes online.

Online shopping is fast and free, and it takes the place of having to actually drive to all the different insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the personal advice that can only be provided by a licensed insurance agent. However, consumers can compare online quotes and get advice from an agent in your area.

Just keep in mind that comparing more prices provides better odds of finding a lower rate than you’re paying now.

The companies shown below provide quotes in Texas. If you want to find cheap auto insurance in Texas, we recommend you get rates from several of them in order to get a fair rate comparison.

Affordable Dodge Ram 3500 insurance rates in Arlington

Some companies don’t always publicize every policy discount very well, so we took the time to find some of the more common and also the lesser-known credits available to lower your premiums when you buy Arlington auto insurance online.Cheaper car insurance with discounts

Drivers should understand that most discount credits are not given to the whole policy. Most only cut individual premiums such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.

The information below visualizes the comparison of Dodge Ram 3500 auto insurance rates with and without discounts being applied to the rates. The data assumes a male driver, no claims or violations, Texas 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 safe-driver, multi-car, marriage, homeowner, multi-policy, and claim-free discounts applied.

Popular car insurance companies and some of their more popular discounts are detailed below.

Check with each company or agent to give you their best rates. Some of the discounts discussed earlier may not be available in Arlington. To see providers with discount rates in Texas, click here.

Rate information and statistics

The coverage information shown next highlights a range of insurance policy prices for Dodge Ram 3500 models. Having insight into how insurance rates are calculated can be of help when making smart choices when selecting a policy.


Dodge Ram 3500 Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $176 $322 $430 $26 $128 $1,082 $90
Ram 3500 Crew Cab ST 2WD $216 $378 $430 $26 $128 $1,178 $98
Ram 3500 Crew Cab ST 4WD $216 $436 $646 $38 $194 $1,530 $128
Ram 3500 Crew Cab SLT 2WD $216 $436 $430 $26 $128 $1,236 $103
Ram 3500 Mega Cab SLT 2WD $216 $436 $430 $26 $128 $1,236 $103
Ram 3500 Mega Cab SLT 4WD $216 $494 $646 $38 $194 $1,588 $132
Ram 3500 Crew Cab SLT 4WD $216 $494 $646 $38 $194 $1,588 $132
Ram 3500 Crew Cab Laramie 4WD $216 $494 $646 $38 $194 $1,588 $132
Ram 3500 Mega Cab Laramie 2WD $216 $436 $430 $26 $128 $1,236 $103
Ram 3500 Crew Cab Laramie 2WD $216 $436 $430 $26 $128 $1,236 $103
Ram 3500 Mega Cab Laramie 4WD $216 $494 $646 $38 $194 $1,588 $132
Get Your Own Custom Quote Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in Arlington location which can change coverage rates substantially.

Analysis of deductible levels

One common question asked by Arlington drivers is where to set your physical damage deductibles. The rates shown below help summarize the cost difference when you select higher and lower coverage deductibles. The first table uses a $250 physical damage deductible and the second price chart uses a $500 deductible.


Dodge Ram 3500 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $332 $496 $382 $22 $114 $1,371 $114
Ram 3500 Crew Cab ST 2WD $408 $584 $382 $22 $114 $1,535 $128
Ram 3500 Crew Cab ST 4WD $408 $672 $572 $34 $172 $1,883 $157
Ram 3500 Crew Cab SLT 2WD $408 $672 $382 $22 $114 $1,623 $135
Ram 3500 Mega Cab SLT 2WD $408 $672 $382 $22 $114 $1,623 $135
Ram 3500 Mega Cab SLT 4WD $408 $762 $572 $34 $172 $1,973 $164
Ram 3500 Crew Cab SLT 4WD $408 $762 $572 $34 $172 $1,973 $164
Ram 3500 Crew Cab Laramie 4WD $408 $762 $572 $34 $172 $1,973 $164
Ram 3500 Mega Cab Laramie 2WD $408 $672 $382 $22 $114 $1,623 $135
Ram 3500 Crew Cab Laramie 2WD $408 $672 $382 $22 $114 $1,623 $135
Ram 3500 Mega Cab Laramie 4WD $408 $762 $572 $34 $172 $1,973 $164
Get Your Own Custom Quote Go

Dodge Ram 3500 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $270 $400 $382 $22 $114 $1,188 $99
Ram 3500 Crew Cab ST 2WD $332 $472 $382 $22 $114 $1,322 $110
Ram 3500 Crew Cab ST 4WD $332 $542 $572 $34 $172 $1,652 $138
Ram 3500 Crew Cab SLT 2WD $332 $542 $382 $22 $114 $1,392 $116
Ram 3500 Mega Cab SLT 2WD $332 $542 $382 $22 $114 $1,392 $116
Ram 3500 Mega Cab SLT 4WD $332 $614 $572 $34 $172 $1,724 $144
Ram 3500 Crew Cab SLT 4WD $332 $614 $572 $34 $172 $1,724 $144
Ram 3500 Crew Cab Laramie 4WD $332 $614 $572 $34 $172 $1,724 $144
Ram 3500 Mega Cab Laramie 2WD $332 $542 $382 $22 $114 $1,392 $116
Ram 3500 Crew Cab Laramie 2WD $332 $542 $382 $22 $114 $1,392 $116
Ram 3500 Mega Cab Laramie 4WD $332 $614 $572 $34 $172 $1,724 $144
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in zip code location which can lower or raise premium rates noticeably.

Based on the data above, we can derive that using a $250 deductible costs approximately $19 more each month or $228 every year averaged for all Ram 3500 models than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 13 months between claim filings, you would most likely save money if you choose a higher deductible.

Drive responsibly or pay higher rates

The example below highlights how traffic violations and at-fault fender-benders drive up Dodge Ram 3500 insurance costs for different age groups of insureds. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Rate comparison of males versus females

The chart below shows the comparison of Dodge Ram 3500 yearly insurance costs for male and female drivers. Data assumes a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, marital status is single, and no other discounts are factored in.

Lower Your Arlington Insurance Rates

Many different elements are used in the calculation when premium rates are determined. Some are obvious like an MVR report, but some are less apparent such as your credit history or how financially stable you are.

Better prices on vehicles with better crash test results – Cars with five star safety ratings can get you lower premiums. Vehicles engineered for safety reduce injuries and better occupant protection means lower claim amounts which can mean better rates for you. If the Dodge Ram 3500 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

Pleasure use saves money – The more you drive in a year the more you will pay for insurance. A lot of companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars that sit idle most of the time can get a lower rate compared to those used for work or business. It’s a good idea to make sure your policy properly reflects the proper vehicle usage. A policy that improperly rates your Ram 3500 can result in significantly higher rates.

Protect yourself with liability insurance – A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense starting from day one. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Save money by eliminating extra policy coverages – Insurance companies have many extra add-on coverages that can waste your money when buying insurance. Things like personal injury protection, better glass coverage, and extra equipment coverage could be just wasting money. These may sound like a good investment initially, but if you have no use for them think about removing them and cutting costs.

Cheaper premiums for prior coverage – Not having insurance is not a good idea and insurance companies will penalize you for letting your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance could result in a steep fine or even jail time. You may then have to submit proof of financial responsibility or a SR-22 with the Texas department of motor vehicles.

Low comp and collision deductibles can be expensive – Your deductibles are how much you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims could be rear-ending another vehicle, damage from fire, and damage caused by road hazards. The more expense you pay before a claim is paid (deductible), the lower your rates will be.

Your address can push rates up or down – Residing in less populated areas of the country may provide you with better prices when it comes to insurance. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate. Urban drivers tend to have traffic congestion and more time behind the wheel. More time behind the wheel means more chance of being in an accident.

Credit rating impacts prices – Your credit score factor in calculating your premium rate. People that have very good credit scores tend to file fewer claims and have better driving records than drivers with bad credit. Therefore, if your credit score can be improved, you could pay less to insure your Dodge Ram 3500 by spending a little time repairing your credit.