Insurance quote for Dodge Ram in CharlestonAre you searching for lower-priced Dodge Ram insurance in Charleston? Finding low-cost insurance for your Dodge Ram in South Carolina can normally be a lot of work, but you can use these tips and make it easy.

There is a better way to shop for car insurance and we'll show you the best way to compare rates for a Dodge and find the cheapest rates from Charleston insurance agents and online providers.

Determine discounts on Charleston car insurance

Car insurance is not cheap, but you might already qualify for some discounts to help bring down the price. Some discounts will apply at the time of purchase, but a few must be manually applied before they will apply.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you can get free auto insurance, nobody gets a free ride.

For a list of car insurance companies with significant discounts in South Carolina, follow this link.

Most larger insurance companies like GEICO, State Farm and Progressive make it easy to get price estimates direct online. Comparing prices online for Dodge Ram insurance in Charleston is quite simple as you just enter the amount of coverage you want into a form. After you complete the form, their system gets credit information and your driving record and returns pricing information based on many factors.

Getting online rate quotes for Dodge Ram insurance in Charleston makes it easy to compare insurance prices and it's very important to do this if you want to get cheap rates.

To compare pricing, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you input the insurance coverages exactly as they are listed on your policy. This ensures you will have comparison quotes for exact coverage.

The companies shown below offer quotes in Charleston, SC. If multiple providers are shown, we suggest you compare several of them to get the best price comparison.

Dodge Ram Insurance Costs in Charleston, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $238 $362 $520 $30 $156 $1,306 $109
Ram Quad Cab TRX4 Off Road 2WD $208 $352 $436 $26 $130 $1,152 $96
Ram Quad Cab SLT 2WD $178 $274 $394 $24 $118 $988 $82
Ram Crew Cab ST 2WD $158 $288 $436 $26 $130 $1,038 $87
Ram Quad Cab ST 4WD $158 $288 $436 $26 $130 $1,038 $87
Ram Crew Cab SLT 2WD $332 $530 $386 $22 $116 $1,386 $116
Ram Crew Cab TRX 2WD $292 $512 $466 $28 $140 $1,438 $120
Ram Quad Cab SLT 4WD $232 $404 $502 $30 $150 $1,318 $110
Ram Crew Cab ST 4WD $208 $370 $436 $26 $130 $1,170 $98
Ram Crew Cab Sport 2WD $228 $406 $520 $30 $156 $1,340 $112
Ram Quad Cab Sport 2WD $262 $414 $394 $24 $118 $1,212 $101
Ram Quad Cab TRX4 Off Road 4WD $232 $414 $404 $24 $122 $1,196 $100
Ram Crew Cab TRX 4WD $286 $514 $404 $24 $122 $1,350 $113
Ram Crew Cab SLT 4WD $324 $602 $466 $28 $140 $1,560 $130
Ram Quad Cab Laramie 2WD $262 $414 $394 $24 $118 $1,212 $101
Ram Crew Cab Laramie 2WD $318 $592 $502 $30 $150 $1,592 $133
Ram Crew Cab Sport 4WD $286 $514 $436 $26 $130 $1,392 $116
Ram Quad Cab Sport 4WD $246 $388 $398 $24 $118 $1,174 $98
Ram Crew Cab Laramie 4WD $410 $884 $520 $30 $156 $2,000 $167
Ram Quad Cab Laramie 4WD $176 $372 $404 $24 $122 $1,098 $92
Get Your Own Custom Quote Go

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in your specific Charleston location which can affect price quotes noticeably.

Dodge Ram annual premiums for males versus females

The illustration below illustrates the difference between Dodge Ram insurance prices for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied.

How accidents and tickets impact rates in Charleston

The chart below illustrates how traffic citations and at-fault claims can affect Dodge Ram insurance prices for each different age group. The rates are based on a married female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Physical damage deductibles

The diagram below shows how different deductible levels and can change Dodge Ram yearly insurance costs for different age groups. The premiums are based on a single female driver, comp and collision included, and no discounts are applied.

When to have guidance from an insurance agency

Some people prefer to buy from a local agent and that is just fine! Professional insurance agents can help you choose the best coverages and help submit paperwork. A nice benefit of comparing insurance prices online is that drivers can save money and get lower premium rates but also keep your business local. Putting coverage with local insurance agencies is especially important in Charleston.

To help locate an agent, after submitting this short form, your coverage information is immediately sent to participating agents in Charleston that can provide free Charleston auto insurance quotes for your car insurance coverage. You never need to leave your computer since rate quotes are delivered immediately to your email address. If for some reason you want to compare prices for a specific company, don't hesitate to go to their quote page and fill out their quote form.

Listed below are Charleston insurers that may be able to provide price quotes for Dodge Ram insurance in Charleston.

View more Charleston agents

Deciding on an provider needs to be determined by more than just the price. Any agent in Charleston should be forthright in answering these questions:

Protect your Ram and other assets

Even though it's not necessarily cheap to insure a Dodge in Charleston, insurance is required for several reasons.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability in order to be legal. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your vehicle, almost all lenders will make it mandatory that you carry insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Dodge at a much higher rate and require you to fork over the higher premium.

Third, insurance preserves not only your car but also your assets. It will also pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.

The benefits of carrying enough insurance outweigh the cost, particularly when you have a large claim. As of last year, the average driver in South Carolina is overpaying over $865 each year so you should quote and compare rates at least once a year to be sure current rates are still competitive.

Auto insurance coverage information

Understanding the coverages of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills like chiropractic care, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, crashing into a ditch, driving through your garage door, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It's also possible to raise the deductible on your Ram to save money on collision insurance.

Liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, repair bills for other people's vehicles, bail bonds and pain and suffering. The amount of liability coverage you purchase is up to you, but it's cheap coverage so purchase as much as you can afford. South Carolina requires minimum liability limits of 25/50/25 but drivers should carry more liability than the minimum.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a bird and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Dodge Ram.

Because many people carry very low liability coverage limits (25/50/25 in South Carolina), their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Find affordable rates by being thorough

In this article, we presented many tips how you can shop for Dodge Ram insurance online. It's most important to understand that the more you quote Charleston auto insurance, the higher your chance of finding affordable Dodge Ram insurance quotes. Consumers may even find the lowest auto insurance rates are with an unexpected company.

While you're price shopping online, you should never reduce coverage to reduce premium. In many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn't have enough coverage. Your objective should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Affordable Dodge Ram insurance in Charleston can be purchased on the web in addition to local insurance agencies, so you need to shop Charleston auto insurance with both to have the best chance of lowering rates. Some car insurance companies may not provide online price quotes and many times these smaller companies only sell through independent agencies.

To learn more, feel free to visit the articles below: