Want to learn how to find more competitive Dodge Ram insurance in Knoxville? Trying to find the cheapest insurance for a new or used Dodge Ram in Tennessee can normally be difficult, but you can use the following methods to make it easier. There is a better way to find insurance online and you need to know the best way to price shop coverage on a Dodge and locate the cheapest rates from Knoxville insurance agents and online providers.
Unbelievably, a large majority of drivers in Tennessee have purchased from the same company for well over three years, and roughly 40% of drivers have never compared insurance rates at all. Most drivers in the United States could save an average of about 47% each year just by shopping around, but they don't know the big savings they would realize if they switched.
Finding the cheapest insurance coverage in Knoxville can really be easy if you know what you're doing. If you have a current insurance policy or want to find a cheaper company, use these cost-cutting techniques to lower your rates and possibly find even better coverage. Vehicle owners just need to learn the fastest way to shop for insurance from many companies at once.
Why You Might Pay Higher Rates in Knoxville
The best way to find cheaper insurance is to take a look at the rating factors that come into play when calculating the price you pay for insurance. If you have a feel for what determines premiums, this enables you to make decisions that may result in lower rates. Many factors are used in the calculation when quoting car insurance. A few of the factors are predictable like your driving record, but others are less obvious like where you live and annual miles driven.
Premiums are high for teenagers - Older people are more responsible, cause fewer claims and accidents, and usually have better credit.Teenage drivers have a tendency to be inattentive behind the wheel so they pay higher insurance rates.
High comp and collision deductibles equal low rates - Insurance for physical damage, aka comp and collision, insures against damage to your Dodge. A few examples of covered claims would be colliding with a building, hitting a deer, and rolling your vehicle. Comprehensive and collision coverage deductibles define the amount you are willing to pay in the event of a claim. The larger the amount you are required to pay out-of-pocket, the lower your rates will be.
Get better rates if married - Having a spouse actually saves money when buying insurance. Having a spouse may mean you are more mature and responsible it has been statistically shown that drivers who are married are more cautious.
Only buy add-on coverages you need - Insurance companies have many extra add-on coverages that you can get tricked into buying but may not be useful. Things like vanishing deductibles, accident forgiveness, and extra life insurance coverage could be just wasting money. They may seem good when buying your policy, but if they're wasting money get rid of them and save.
All major car insurance companies provide insurance quotes from their websites. Comparing Dodge Ram insurance rates online is quite simple as you simply enter your coverage information into the form. After you complete the form, their system will obtain your driving record and credit report and returns pricing information based on these and other factors.
Quoting online for Dodge Ram insurance in Knoxville simplifies rate comparisons, and it's very important to do this if you want to find the most affordable premium.
To fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you replicate the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will get a fair comparison for the exact same coverage.
The companies in the list below can provide quotes in Tennessee. If more than one company is shown, we suggest you visit as many as you can to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$214||$362||$342||$20||$102||$1,040||$87|
|Ram Quad Cab TRX4 Off Road 2WD||$216||$372||$306||$18||$92||$1,004||$84|
|Ram Quad Cab SLT 2WD||$158||$252||$306||$18||$92||$826||$69|
|Ram Crew Cab ST 2WD||$134||$232||$368||$22||$110||$866||$72|
|Ram Quad Cab ST 4WD||$312||$552||$440||$26||$132||$1,462||$122|
|Ram Crew Cab SLT 2WD||$134||$232||$368||$22||$110||$866||$72|
|Ram Crew Cab TRX 2WD||$216||$368||$342||$20||$102||$1,048||$87|
|Ram Quad Cab SLT 4WD||$160||$258||$314||$18||$94||$844||$70|
|Ram Crew Cab ST 4WD||$198||$298||$332||$20||$100||$948||$79|
|Ram Crew Cab Sport 2WD||$260||$358||$428||$26||$128||$1,200||$100|
|Ram Quad Cab Sport 2WD||$222||$350||$332||$20||$100||$1,024||$85|
|Ram Quad Cab TRX4 Off Road 4WD||$242||$434||$342||$20||$102||$1,140||$95|
|Ram Crew Cab TRX 4WD||$242||$434||$368||$22||$110||$1,176||$98|
|Ram Crew Cab SLT 4WD||$170||$320||$394||$24||$118||$1,026||$86|
|Ram Quad Cab Laramie 2WD||$198||$278||$428||$26||$128||$1,058||$88|
|Ram Crew Cab Laramie 2WD||$216||$368||$306||$18||$92||$1,000||$83|
|Ram Crew Cab Sport 4WD||$218||$376||$314||$18||$94||$1,020||$85|
|Ram Quad Cab Sport 4WD||$242||$434||$368||$22||$110||$1,176||$98|
|Ram Crew Cab Laramie 4WD||$222||$404||$332||$20||$100||$1,078||$90|
|Ram Quad Cab Laramie 4WD||$150||$314||$342||$20||$102||$928||$77|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate information does not factor in vehicle garaging location which can decrease or increase premiums substantially.
Reckless driving habits raise auto insurance rates
The example below shows how violations and fender-benders increase Dodge Ram car insurance costs for different insured age categories. The rate quotes are based on a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
Premiums by gender and age
The chart below shows the comparison of Dodge Ram insurance costs for male and female drivers. The premium estimates are based on no violations or claims, full coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
The ad said I'd save $448 a year!
Tennessee consumers can't avoid all the ads for the lowest price insurance by companies like Progressive, Allstate and GEICO. All the ads make an identical promise about saving some big amount if you just switch your policy.
How do they all have lower policy pricing? Here is how they do it.
All companies have strict underwriting profiles for the type of driver that earns them the most money. An example of a profitable insured should be over the age of 45, has a clear driving record, and insures a new vehicle. Someone that matches those criteria will get very good Knoxville premium rates and therefore will cut their rates substantially.
Potential insureds who fall short of the "perfect" profile will have to pay higher premiums and the customer buying from a different company. If you pay close attention to the ads, they say "people that switch" not "all people who quote" save the amount stated. That is how companies can state the savings. This really drives home the point why drivers must do a quote comparison often. It is impossible to predict which company will give you the biggest savings.
Why you need Dodge Ram insurance in Tennessee
Despite the fact that insurance is not cheap in Knoxville, insurance serves an important purpose.
- Most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability protection if you want to drive legally. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your Ram has a lienholder, most banks will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may buy a policy for your Dodge at a more expensive rate and make you pay the higher price.
- Insurance protects not only your Dodge but also your financial assets. Insurance will pay for medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. But the average driver in Tennessee is overpaying more than $869 every year so it's recommended you shop around at every renewal to ensure rates are inline.
Get cheaper Dodge Ram insurance rates in Knoxville
Some companies don't always publicize every disount available in a way that's easy to find, so here is a list a few of the more common and the more hidden discounts that may be available.
- Knoxville Homeowners Discount - Owning your own home or condo can save you money since home ownership shows financial diligence.
- Memberships - Being a member of specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
- Mature Driver Discount - If you qualify as a senior citizen, you can get a small decrease in premiums.
- One Accident Forgiven - This one isn't a discount, but companies like Allstate and State Farm will let one accident slide without raising rates if you have no claims prior to being involved in the accident.
- Resident Student - Any of your kids living away from Knoxville attending college and leave their car at home could get you a discount.
As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.
To choose companies with discount car insurance rates in Tennessee, click this link.
Compare rates but work with a local Knoxville insurance agency
A small number of people prefer to buy from a local agent and we recommend doing that Insurance agents can help you build your policy and will help you if you have claims. The best thing about comparing insurance prices online is that drivers can save money and get cheap auto insurance quotes and also buy local.
To help locate an agent, after submitting this simple form, the quote information is emailed to local insurance agents who can give free rate quotes for your auto insurance coverage. There is no need to find an agent on your own since price quotes are sent to your email. If you have a need to get a comparison quote from one company in particular, you can always find their quoting web page to submit a rate quote request.
Choosing the best company needs to be determined by more than just a cheap price quote. The answers to these questions are important, too.
- Will you work with the agent or an assistant?
- How many companies do they write for?
- How long have they worked with personal auto insurance coverage?
- Are claim adjusters local or do you have to take your car somewhere else?
- Where would your vehicle be repaired?
When finding a reliable insurance agent, it can be helpful to understand the types of insurance agents and how they can service your needs differently. Agencies in Knoxville can either be independent agents or exclusive agents depending on their employer. Either type can sell auto insurance policies, but it's important to point out how they are different because it can influence which agent you choose.
Exclusive Insurance Agents
Agents that choose to be exclusive can only provide pricing for a single company like American Family, State Farm, and Allstate. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. They receive extensive training on their company's products which helps them compete with independent agents. Consumers sometimes use the same exclusive agent mostly because of the brand name and strong financial ratings.
Listed below is a list of exclusive insurance agencies in Knoxville that can give you comparison quotes.
- Drew Griggs - State Farm Insurance Agent
7425 Chapman Hwy Ste 102 - Knoxville, TN 37920 - (865) 240-4057 - View Map
- Todd Henderson - State Farm Insurance Agent
11002 Kingston Pike #103 - Knoxville, TN 37934 - (865) 966-3276 - View Map
- GEICO Insurance Agent
9165 Kingston Pike - Knoxville, TN 37923 - (865) 347-5111 - View Map
Independent Agents (or Brokers)
Agents of this type are not employed by any specific company so as a result can place your coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you don't have to do anything.
When comparison shopping, we highly recommend that you get quotes from a couple of independent agencies in order to have the best price comparison. Most have the option of insuring with companies you've never heard of who may have lower rates.
The following are independent insurance agents in Knoxville that can give you rate quotes.
- Knoxville Insurance Services Inc
2902 Tazewell Pike # B - Knoxville, TN 37918 - (865) 688-2911 - View Map
- Nationwide Insurance: The Yates Agency Inc
5038 N Broadway St - Knoxville, TN 37918 - (865) 689-6111 - View Map
- Sparks Insurance
1316 Merchant Dr - Knoxville, TN 37912 - (865) 687-1855 - View Map
If you feel you receive answers to your satisfaction to all your questions in addition to an acceptable price estimate, you've probably found an insurance agency that can be relied on to properly insure your vehicles. Keep in mind once you purchase a policy you can cancel your coverage for any reason so don't assume that you are obligated to the auto insurance policy for the full policy term.
Different people need different insurance coverages
Always remember that when buying insurance from an agent or online for your vehicles, there isn't really a "perfect" insurance plan. You are unique.
These are some specific questions may help highlight whether or not you may require specific advice.
- Do I have coverage for damage caused while driving under the influence?
- How can I force my company to pay a claim?
- Can my babysitter drive my car?
- Can my teen drive my company car?
- How can I find cheaper teen driver insurance?
- Will filing a claim cost me more?
- Do I need replacement cost coverage?
- Who is covered by my policy?
If you can't answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.
One last thing about your coverage
When trying to cut insurance costs, do not skimp on coverage in order to save money. There are many occasions where drivers have reduced full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.
People who switch companies do it for a number of reasons such as policy cancellation, questionable increases in premium, poor customer service and even policy non-renewal. Whatever your reason, finding a new company can be easier than you think.
You just read some good ideas how you can compare Dodge Ram insurance prices in Knoxville. It's most important to understand that the more quotes you get, the better your comparison will be. You may even be surprised to find that the biggest savings come from the smaller companies.
Additional car insurance information is available at these links:
- Alcohol Impaired Driving FAQ (iihs.org)
- How Much are Auto Insurance Rates for College Graduates in Tennessee? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Your Car has been Stolen: Now What? (Allstate)