It’s hard to fathom, but nearly 70% of drivers have remained with the same car insurance company for well over three years, and roughly 40% of drivers have never compared rate quotes at all. Consumers in Orlando can save almost 55% each year by just comparing quotes, but they assume it’s a waste of time to compare other rate quotes.
If saving the most money is your goal, then the best way to find the cheapest price for Dodge Ram 2500 insurance in Orlando is to make a habit of regularly comparing prices from insurers who sell auto insurance in Florida.
- Read and learn about the different coverages in a policy and the modifications you can make to keep rates in check. Many rating factors that result in higher rates like speeding and an unfavorable credit rating can be controlled by making lifestyle changes or driving safer.
- Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of companies.
- Compare the price quotes to your existing rates to determine if switching companies saves money. If you find a lower rate quote and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your current company of your intention to cancel the current policy. Submit the completed application along with a down payment for the new policy. Immediately put the certificate of insurance in an accessible location in your vehicle.
An important part of this process is to try to use the same coverage limits and deductibles on every quote and and to get rate quotes from as many different insurance providers as possible. Doing this guarantees an accurate price comparison and the most accurate and complete price analysis.
Best companies for Dodge Ram 2500 insurance
The providers in the list below are ready to provide price comparisons in Orlando, FL. If your goal is to find cheap car insurance in Florida, we suggest you compare several of them to get the best price comparison.
Insurance coverage analysis
The information below showcases detailed analysis of insurance prices for Dodge Ram 2500 models. Understanding more about how insurance prices are figured is important to be able to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 2500 Crew Cab ST 2WD | $414 | $640 | $618 | $36 | $184 | $1,892 | $158 |
| Ram 2500 Crew Cab SLT 2WD | $414 | $736 | $618 | $36 | $184 | $1,988 | $166 |
| Ram 2500 Mega Cab SLT 2WD | $414 | $736 | $618 | $36 | $184 | $1,988 | $166 |
| Ram 2500 Crew Cab Laramie 2WD | $414 | $736 | $618 | $36 | $184 | $1,988 | $166 |
| Ram 2500 Crew Cab ST 2WD | $414 | $736 | $618 | $36 | $184 | $1,988 | $166 |
| Ram 2500 Mega Cab Laramie 2WD | $414 | $736 | $618 | $36 | $184 | $1,988 | $166 |
| Ram 2500 Crew Cab ST 4WD | $462 | $640 | $618 | $36 | $184 | $1,940 | $162 |
| Ram 2500 Crew Cab SLT 2WD | $462 | $736 | $618 | $36 | $184 | $2,036 | $170 |
| Ram 2500 Mega Cab SLT 2WD | $462 | $736 | $618 | $36 | $184 | $2,036 | $170 |
| Ram 2500 Mega Cab SLT 4WD | $462 | $640 | $618 | $36 | $184 | $1,940 | $162 |
| Ram 2500 Crew Cab SLT 4WD | $462 | $640 | $618 | $36 | $184 | $1,940 | $162 |
| Ram 2500 Crew Cab Laramie 2WD | $462 | $834 | $618 | $36 | $184 | $2,134 | $178 |
| Ram 2500 Mega Cab Laramie 2WD | $462 | $834 | $618 | $36 | $184 | $2,134 | $178 |
| Ram 2500 Crew Cab ST 4WD | $462 | $640 | $618 | $36 | $184 | $1,940 | $162 |
| Ram 2500 Mega Cab Laramie 4WD | $462 | $640 | $618 | $36 | $184 | $1,940 | $162 |
| Ram 2500 Crew Cab Laramie 4WD | $462 | $640 | $618 | $36 | $184 | $1,940 | $162 |
| Ram 2500 Mega Cab SLT 4WD | $510 | $736 | $618 | $36 | $184 | $2,084 | $174 |
| Ram 2500 Crew Cab SLT 4WD | $510 | $736 | $618 | $36 | $184 | $2,084 | $174 |
| Ram 2500 Crew Cab Laramie 4WD | $510 | $736 | $618 | $36 | $184 | $2,084 | $174 |
| Ram 2500 Mega Cab Laramie 4WD | $510 | $736 | $618 | $36 | $184 | $2,084 | $174 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in vehicle garaging location which can lower or raise price quotes noticeably.
Illustration showing the impact of accidents and violations
The diagram below illustrates how traffic citations and accidents impact Dodge Ram 2500 insurance costs for different categories of driver ages. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Get cheaper Dodge Ram 2500 insurance rates in Orlando
Properly insuring your vehicles can get expensive, but you may be missing some discounts that can help lower your rates. A few discounts will automatically apply at the time you complete a quote, but a few must be manually applied prior to getting the savings. If you do not double check each discount you qualify for, you could be getting lower rates.
- No Charge for an Accident – Not really a discount, but companies like Allstate and GEICO may permit one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
- More Vehicles More Savings – Buying a policy with multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
- Orlando Homeowners Pay Less – Owning a house in Orlando may trigger a policy discount on auto insurance because it requires personal responsibility.
- Auto/Home Discount – If you combine your auto and homeowners policies and place coverage with the same company you may earn approximately 10% to 15%.
- Seat Belt Usage – Requiring all passengers to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can avoid the installment charge.
- Membership in Organizations – Being a member of specific professional or occupational memberships or organizations could trigger savings on your next auto insurance statement.
Keep in mind that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
The chart below shows the difference between Dodge Ram 2500 car insurance rates with and without some available policy discounts. The premiums assume a female driver, no violations or claims, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, claim-free, marriage, and safe-driver discounts applied.
To see auto insurance companies who offer discounts in Florida, click this link.
Buying car insurance from Orlando car insurance agents
Certain consumers would prefer to visit with an insurance agent and that is a smart decision Licensed agents are highly skilled in risk management and help file insurance claims. One of the best bonuses of comparing rate quotes online is you may find cheap car insurance rates and still have a local agent.
To find an agent, once you fill out this quick form, your insurance data is emailed to companies in Orlando who will return price quotes for your coverage. There is no need to contact an agency since rate quotes are delivered directly to you. In the event you want to compare rates from a specific car insurance provider, you can always visit that company’s website and submit a quote form there.
Picking an provider should include more criteria than just the bottom line cost. Some important questions to ask are:
- Where are claims handled?
- Do they have 24-hour customer assistance?
- Is insurance their full-time profession?
- Is their price quote a firm figure or are their hidden costs?
- How many years of experience in personal auto insurance do they have?
- Are all drivers listed on the coverage quote?
- Are they actively involved in the community?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
The difference between Orlando auto insurance agents
If you’re trying to find a local Orlando insurance agency, it’s important to understand the different types of agents that you can select. Agents in Orlando are either exclusive or independent. Both types of agents can write car insurance policies, but we need to point out the difference between them since it can affect the type of agent you choose.
Exclusive Agencies
These agents generally can only insure with one company such as American Family, State Farm, and AAA. They usually cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agents are well schooled on what they offer and that allows them to sell at a higher price point. Some consumers prefer to use the same agent partially due to the prominence of the brand and solid financial strength.
Below are exclusive agencies in Orlando who may provide you with price quote information.
- Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999 – View Map - Marylou Davis – State Farm Insurance Agent
6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400 – View Map - David Chong – State Farm Insurance Agent
10421 Moss Park Rd – Orlando, FL 32832 – (407) 736-9700 – View Map
Independent Agents (or Brokers)
Independent agents are not locked into one company so they can quote policies through lots of different companies and find the cheapest rate. If they find a lower price, an independent agent can move your coverage and you can keep the same agent.
When searching for an agent, you should always compare prices from a couple of independent agencies to get the most accurate price comparison. Most also have access to companies you’ve never heard of that may provide cheaper car insurance rates.
Below are independent insurance agencies in Orlando that can give you price quotes.
- State and Co Insurance Agency
605 E Robinson St #450 – Orlando, FL 32801 – (407) 334-7505 – View Map - SVF Insurance LLC
1205 N Pine Hills Rd – Orlando, FL 32808 – (407) 447-2204 – View Map - HealthMarkets Insurance Agency
5728 Major Blvd #705 – Orlando, FL 32819 – (407) 440-8665 – View Map
If you feel you receive good responses to these questions as well as a affordable price, you have narrowed it down to an auto insurance agent that is reputable and can service your policy.
What is the best car insurance company in Florida?
Ending up with the best insurance provider is hard considering how many choices you have in Florida. The rank data in the next section could help you choose which car insurance providers you want to consider to insure your vehicles.
Top 10 Orlando Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Orlando Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Compare. Compare. Compare.
A few companies do not provide rates over the internet and most of the time these smaller companies work with independent insurance agencies. Affordable Dodge Ram 2500 insurance in Orlando is definitely available from both online companies and from local agencies, so compare prices from both so you have a total pricing picture.
We’ve covered many ways to get a better price on Dodge Ram 2500 insurance in Orlando. The key thing to remember is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates are with a smaller regional carrier.
As you go through the steps to switch your coverage, do not buy poor coverage just to save money. In too many instances, consumers will sacrifice full coverage only to regret that the small savings ended up costing them much more. Your goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
More learning opportunities
- Safety Belts FAQ (iihs.org)
- Who Has Cheap Orlando Car Insurance Rates for a Ford Escape? (FAQ)
- How Much is Auto Insurance for a Learners Permit in Orlando? (FAQ)
- Who Has Affordable Auto Insurance for College Graduates in Orlando? (FAQ)
- Who Has the Cheapest Car Insurance Rates for 4×4 Vehicles in Orlando? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Drivers with a DUI in Orlando? (FAQ)
- Who Has Cheap Auto Insurance for 16 Year Olds in Orlando? (FAQ)
- Who Has Cheap Car Insurance Rates for a GMC Sierra in Orlando? (FAQ)
- How Much is Auto Insurance for a Ford Explorer in Orlando? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)