Are you doing reasearch to find cheaper Dodge Ram insurance in Miami? Wish you could get a refund on overpriced Dodge Ram insurance in Miami? Believe me when I say many Miami consumers are in the same pinch.

Insurance quote for Dodge Ram in MiamiAmazingly, a recent NerdWallet.com study showed that over 70% of Florida drivers have remained with the same insurance company for over three years, and 38% of drivers have never compared rates with other companies. Many consumers in the U.S. could cut their rates by roughly 47% a year just by comparing rates, but they mistakenly think it's difficult to go online and compare rates.

Lots of auto insurance companies contend to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate possible on Dodge Ram insurance in Miami.

Best companies for Dodge Ram insurance

The following companies can provide quotes in Florida. If multiple companies are listed, it's a good idea that you get rate quotes from several of them to find the most affordable auto insurance rates.

Dodge Ram Insurance Cost Estimates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $348 $522 $480 $28 $144 $1,522 $127
Ram Quad Cab TRX4 Off Road 2WD $312 $560 $532 $32 $160 $1,596 $133
Ram Quad Cab SLT 2WD $194 $352 $532 $32 $160 $1,270 $106
Ram Crew Cab ST 2WD $450 $798 $636 $38 $190 $2,112 $176
Ram Quad Cab ST 4WD $176 $290 $452 $26 $136 $1,080 $90
Ram Crew Cab SLT 2WD $450 $798 $636 $38 $190 $2,112 $176
Ram Crew Cab TRX 2WD $398 $746 $570 $34 $170 $1,918 $160
Ram Quad Cab SLT 4WD $174 $284 $444 $26 $132 $1,060 $88
Ram Crew Cab ST 4WD $406 $648 $472 $28 $142 $1,696 $141
Ram Crew Cab Sport 2WD $250 $402 $472 $28 $142 $1,294 $108
Ram Quad Cab Sport 2WD $388 $748 $494 $30 $148 $1,808 $151
Ram Quad Cab TRX4 Off Road 4WD $216 $394 $532 $32 $160 $1,334 $111
Ram Crew Cab TRX 4WD $216 $414 $532 $32 $160 $1,354 $113
Ram Crew Cab SLT 4WD $366 $634 $636 $38 $190 $1,864 $155
Ram Quad Cab Laramie 2WD $300 $474 $486 $28 $146 $1,434 $120
Ram Crew Cab Laramie 2WD $316 $544 $452 $26 $136 $1,474 $123
Ram Crew Cab Sport 4WD $514 $764 $618 $36 $184 $2,116 $176
Ram Quad Cab Sport 4WD $192 $334 $444 $26 $132 $1,128 $94
Ram Crew Cab Laramie 4WD $254 $494 $444 $26 $132 $1,350 $113
Ram Quad Cab Laramie 4WD $322 $684 $570 $34 $170 $1,780 $148
Get Your Own Custom Quote Go

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in Miami location which can impact coverage prices significantly.

Illustration showing the impact of accidents and violations

The illustration below shows how violations and fender-benders increase Dodge Ram auto insurance costs for each age group. The prices are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Can higher deductibles save money?

The chart below shows how different deductible levels and can influence Dodge Ram insurance costs for different age groups. The data is based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Informed Drivers Can Lower Insurance Rates

Multiple criteria are part of the equation when you get a price on insurance. Some are obvious such as traffic violations, but other factors are less obvious such as your credit history or how financially stable you are. A large part of saving on car insurance is knowing the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that may result in lower premium levels.

The list below includes just a few of the factors companies use to determine your rate level.

Get affordable rates on Dodge Ram insurance in Miami with these car insurance discounts

Car insurance is not inexpensive, but you can get discounts that could help you make your next renewal payment. Many discounts should be triggered when you quote, but some need to be requested specifically before being credited. If you do not check that you are getting every discount you deserve, you are paying more than you should be.Car insurance discounts

We need to note that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, car insurance companies aren't that generous. Any qualifying discounts will definitely lower the cost of coverage.

A list of car insurance companies and their offered discounts are:

Double check with all companies you are considering which discounts they offer. Discounts might not be available to policyholders in Miami. If you would like to choose from a list of insurance companies that offer discounts in Miami, click here.

Independent or exclusive insurance agents

Many drivers would rather get professional advice from a licensed agent and that is OK! One of the great benefits of getting online price quotes is that you can obtain cheap auto insurance quotes and still have an agent to talk to. Supporting local agencies is important especially in Miami.

By using this short form, your insurance coverage information is emailed to companies in Miami who will return price quotes for your auto insurance coverage. It makes it easy because there is no need to find an agent on your own because prices are sent to you directly. You can find the lowest rates without requiring a lot of work. If you have a need to get a rate quote for a specific company, you would need to navigate to their website and complete a quote there.

The type of auto insurance agent you choose is important

When looking for a good insurance agency, it can be helpful to understand the different agency structures and how they can service your needs differently. Insurance agencies in Miami may be either exclusive or independent agents depending on their company appointments.

Independent Agents (or Brokers)

Independent agents are not employed by any specific company so they can write business through lots of different companies and possibly get better coverage at lower prices. If you want to switch companies, they simply move the coverage in-house and you don't have to find a new agent. When comparing auto insurance rates, we recommend you check rates from at a minimum one independent agency in order to compare the most rates.

Listed below is a small list of independent agencies in Miami that may be able to give you free auto insurance quotes.

Globalgreen Insurance Agency
6840 Bird Rd - Miami, FL 33155 - (305) 677-8022 - View Map


1563 NW 27th Ave - Miami, FL 33125 - (305) 633-6111 - View Map

Exclusive Insurance Agency Inc.
7175 SW 8th St #203 - Miami, FL 33144 - (305) 263-4855 - View Map

View more Miami agents

Exclusive Agencies

Agents in the exclusive channel can only provide one company's prices and some examples include Farmers Insurance, State Farm, or Allstate. They usually cannot compare other company's rates so always compare other rates. These agents are well schooled on sales techniques and that can be a competitive advantage.

Listed below are Miami exclusive insurance agencies that can give you rate quotes.

Gus Figueredo - State Farm Insurance Agent
7950 W Flagler St #103 - Miami, FL 33144 - (305) 262-0440 - View Map


8514 SW 8th St - Miami, FL 33144 - (305) 595-2911 - View Map


6001 Bird Rd - Miami, FL 33155 - (305) 663-2300 - View Map

View more Miami agents

Deciding on an car insurance agent requires more thought than just the price. The questions below may impact your decision as well.

What is YOUR best insurance company?

Some auto insurance companies do not offer rate quotes online and usually these regional carriers provide coverage only through local independent agents. Budget-friendly auto insurance in Miami can be sourced online in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates.

When getting Miami auto insurance quotes online, never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

Throughout this article, we presented a lot of ways to save on Dodge Ram insurance in Miami. The key concept to understand is the more price quotes you have, the better chance you'll have of finding affordable Miami auto insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from the smaller companies. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like State Farm or Progressive.

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