Discount Dodge Ram insuranceHave you finally had enough of scraping the payment together each month for auto insurance? You are no different than many other Colorado consumers.

Unbelievable but true according to a study a large majority of drivers have purchased from the same company for well over three years, and nearly half have never quoted rates to find lower-cost coverage. American drivers could pocket about 46.5% a year just by comparing rates, but they just don't understand how much they could save if they swap their current policy for a cheaper one. Because there are so many options when it comes to auto insurance, it's difficult to locate the most affordable insurer.

Affordable companies for Dodge Ram insurance

The companies shown below have been selected to offer price comparisons in Colorado. If more than one company is shown, we recommend you visit two to three different companies to get the lowest price.

Dodge Ram Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $266 $432 $480 $28 $144 $1,350 $113
Ram Quad Cab TRX4 Off Road 2WD $264 $448 $448 $26 $134 $1,320 $110
Ram Quad Cab SLT 2WD $244 $424 $480 $28 $144 $1,320 $110
Ram Crew Cab ST 2WD $334 $628 $480 $28 $144 $1,614 $135
Ram Quad Cab ST 4WD $266 $464 $382 $22 $114 $1,248 $104
Ram Crew Cab SLT 2WD $214 $362 $416 $24 $124 $1,140 $95
Ram Crew Cab TRX 2WD $298 $448 $404 $24 $122 $1,296 $108
Ram Quad Cab SLT 4WD $294 $536 $416 $24 $124 $1,394 $116
Ram Crew Cab ST 4WD $186 $330 $480 $28 $144 $1,168 $97
Ram Crew Cab Sport 2WD $182 $332 $416 $24 $124 $1,078 $90
Ram Quad Cab Sport 2WD $216 $370 $382 $22 $114 $1,104 $92
Ram Quad Cab TRX4 Off Road 4WD $296 $546 $382 $22 $114 $1,360 $113
Ram Crew Cab TRX 4WD $296 $546 $382 $22 $114 $1,360 $113
Ram Crew Cab SLT 4WD $182 $350 $448 $26 $134 $1,140 $95
Ram Quad Cab Laramie 2WD $310 $496 $408 $24 $122 $1,360 $113
Ram Crew Cab Laramie 2WD $216 $370 $382 $22 $114 $1,104 $92
Ram Crew Cab Sport 4WD $238 $448 $448 $26 $134 $1,294 $108
Ram Quad Cab Sport 4WD $422 $792 $536 $32 $160 $1,942 $162
Ram Crew Cab Laramie 4WD $364 $836 $516 $30 $154 $1,900 $158
Ram Quad Cab Laramie 4WD $214 $416 $374 $22 $112 $1,138 $95
Get Your Own Custom Quote Go

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in zip code location which can lower or raise prices significantly.

Rate comparison of male drivers versus female drivers

The illustration below illustrates the difference between Dodge Ram insurance costs for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied.

Dodge Ram liability-only versus full coverage

The diagram below shows the difference between Dodge Ram annual premium costs with and without physical damage coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, married female driver, and no other discounts are factored in.

Should you pay for full coverage?

There isn't a written rule for dropping full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's say your Dodge Ram settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after you pay the deductible. If premium cost is more than $800 a year to have full coverage, then it may be the right time to buy liability only.

There are a few cases where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Colorado Springs Insurance Rates are Influenced by These Factors

Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but others are not quite as obvious like where you live or your financial responsibility.

Pay more for higher performance vehicles - The make and model of the car you are insuring makes a huge difference in how high your rates are. The best insurance prices will normally be found when insuring lower cost passenger vehicles, but other factors influence the final cost greatly. Since the Dodge Ram falls in the pickup truck class, rates will be similar in price as compared to the average rate in Colorado Springs.

Avoid policy lapses - Having an insurance coverage lapse is a guaranteed way to increase your renewal premiums. In addition to paying higher rates, being ticketed for driving with no insurance might get you fines and jail time.

Gender matters - Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn't mean women are BETTER drivers than men. Females and males get in accidents in similar numbers, but males have accidents that have higher claims. Not only that, but men also get cited for more serious violations such as reckless driving.

Low stress employer equals lower rates - Jobs such as real estate brokers, airline pilots, and stock brokers usually pay higher premiums than the average policyholder in part from intense work requirements and incredibly demanding work hours. On the flip side, careers such as actors, athletes and homemakers pay lower than average rates.

Eliminate add-on coverages - Insurance companies have many additional extra coverages that you can get tricked into buying if you aren't careful. Coverages for coverage for rental cars, better glass coverage, and extra life insurance coverage are some examples. They may seem good at first, but now you might not need them so eliminate the coverages to reduce your premium.

How much liability do you need? - Your auto insurance policy's liability coverage is the protection in the event that you are responsible for damages caused by your negligence. Liability provides legal defense coverage starting from day one. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.

Get a ticket, pay higher costs - Having a clean driving record has a lot to do with how much you pay for insurance. Drivers with clean records get better prices than people who have multiple driving citations. Having just one ticket can boost insurance rates to the point where it's not affordable. Drivers who get dangerous citations such as DUI or willful reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.

Verify you're receiving every discount

Properly insuring your vehicles can get expensive, but there could be significant discounts that could help you make your next renewal payment. Some discounts will apply at the time of quoting, but a few must be specially asked for before being credited.Save money with discounts

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, companies wouldn't make money that way.

To view insurers that have a full spectrum of discounts in Colorado Springs, click this link.

When to get advice from an insurance agent

Some people would prefer to buy from a local agent and that is OK! Agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing rate quotes online is that you can find lower rates and still choose a local agent.

Insurance agency in Colorado SpringsTo find an agent, once you fill out this quick form, your coverage information is instantly submitted to insurance agents in Colorado Springs who want to provide quotes for your business. It simplifies rate comparisons since you won't have to drive around because prices are sent immediately to your email address. If you need to quote rates from a particular provider, just jump over to their website and complete a quote there.

Choosing a provider needs to be determined by more than just a low price. Below are some questions you should ask.

When finding a reliable insurance agency, you must know there are a couple different agency structures and how they can quote your rates. Agents in Colorado Springs are considered either exclusive or independent. Both can insure your vehicles, but it's important to point out how they are different because it can factor into the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agencies have only one company to place business with and some examples include State Farm, Allstate and AAA. They usually cannot provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive agencies are trained well on what they offer and that allows them to sell at a higher price point.

Listed below are Colorado Springs exclusive agencies who may provide you with rate quotes.


76 S Sierra Madre St b - Colorado Springs, CO 80903 - (719) 471-9271 - View Map


8540 Scarborough Dr Ste 220 - Colorado Springs, CO 80920 - (719) 591-6336 - View Map


12229 Voyager Pkwy Ste 100 - Colorado Springs, CO 80921 - (719) 599-3600 - View Map

More insurance agents

Independent Agents (or Brokers)

These type of agents are normally appointed by many insurers so they can insure your vehicles with an assortment of companies and get the cheapest rates. If you are not satisfied with one company, they simply switch companies in-house which requires no work on your part.

When comparing car insurance prices, you will want to include price quotes from a few independent agents to have the most options to choose from.

Shown below are independent insurance agencies in Colorado Springs who can help you get rate quotes.


2306 N Powers Blvd #120 - Colorado Springs, CO 80915 - (719) 591-4500 - View Map


2525 W Pikes Peak Ave # C - Colorado Springs, CO 80904 - (719) 635-9720 - View Map


5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map

More insurance agents

If you feel you receive reasonable responses and an affordable coverage quote, you have narrowed it down to an auto insurance agent that is a good match to insure your vehicles. It's important to know that you can cancel coverage whenever you wish so don't assume you're contractually obligated to a policy with no way out.

The ad said I'd save $448 a year!

Colorado consumers can't avoid all the ads that claim the lowest premium rates by companies like GEICO, State Farm and Progressive. All the companies make an identical promise that drivers can save some big amount just by moving your car insurance policy to them.

How is it plausible that every one can give you a lower rate on Dodge Ram insurance in Colorado Springs? You have to listen carefully.

Car insurance companies have specific criteria for a prospective insured that will be a good risk. An example of a preferred risk might be described as between 25 and 40, has a low-risk occupation, and the vehicle is rated for pleasure use. A propective insured who matches those parameters receive the lowest rate quotes in Colorado Springs and therefore will save when switching.

People who are not a match for those criteria may be required to pay a more expensive rate which translates to business not being written. The ads say "people who switch" not "all people who quote" can save as much as they claim. That is how insurance companies can make claims that they all have the best prices. This really illustrates why you need to do a rate comparison at every renewal. Because without a comparison, you cannot know which car insurance company will have the best premium rates for your profile.

In Summary

More affordable car insurance in Colorado Springs can be found online and with local Colorado Springs insurance agents, so you need to shop Colorado Springs car insurance with both to have the best selection. There are still a few companies who may not offer rates over the internet and most of the time these regional insurance providers provide coverage only through local independent agencies.

You just read a lot of ways to get a better price on Dodge Ram insurance in Colorado Springs. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from a smaller regional carrier. Some small companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate or State Farm.

Helpful articles