How long has it been since you shopped around for more affordable Dodge Ram insurance in Las Cruces? I doubt anyone likes buying car insurance, especially when they are aware that they could find lower prices if they just compared rates.
It's hard to believe, but the vast majority of car insurance customers in New Mexico kept their policy with the same company for well over three years, and just short of a majority have never taken the time to shop around. Many drivers in the U.S. could save themselves roughly $859 a year by just shopping around, but most tend to underestimate the rate savings if they switched to a cheaper policy. Having so many choices for buying cheap insurance for a Dodge Ram in Las Cruces, it can be impossible to locate the cheapest car insurance provider.
It's important to compare prices periodically because prices change regularly. Despite the fact that you may have had the lowest price on Dodge Ram insurance in Las Cruces six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to properly buy coverages and cut your premium.
Locating the best rates in Las Cruces seems hard but is not really that difficult. If you have insurance now or just want to save money, use these techniques to get lower rates without sacrificing coverage. Drivers just need to learn the most effective way to get comparison rates from many different companies online.
How to buy Dodge Ram insurance in Las Cruces, New Mexico
Most of the larger companies such as State Farm, Allstate and GEICO make it easy to get coverage price quotes directly from their websites. Getting quotes for Dodge Ram insurance in Las Cruces can be done by anyone because it's just a matter of typing in your required coverages as requested by the quote form. After you submit the form the company's rating system sends out for credit information and your driving record and provides a quote based on the data you entered. Being able to quote online for Dodge Ram insurance in Las Cruces streamlines rate comparisons, and it's also necessary to perform this step if you are searching for a lower rate.
To save time and compare rates using this form now, check out the car insurance providers below. If you have a policy now, it's recommended you duplicate the coverages identical to your current policy. Doing this assures you will get a price comparison for exact coverage.
The auto insurance companies shown below offer price quotes in Las Cruces, NM. If the list has multiple companies, it's a good idea that you visit two to three different companies in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram Quad Cab ST 2WD||$276||$424||$492||$30||$148||$1,370||$114|
|Ram Quad Cab TRX4 Off Road 2WD||$220||$382||$474||$28||$142||$1,246||$104|
|Ram Quad Cab SLT 2WD||$270||$490||$382||$22||$114||$1,278||$107|
|Ram Crew Cab ST 2WD||$174||$264||$364||$22||$108||$932||$78|
|Ram Quad Cab ST 4WD||$216||$348||$342||$20||$102||$1,028||$86|
|Ram Crew Cab SLT 2WD||$270||$474||$474||$28||$142||$1,388||$116|
|Ram Crew Cab TRX 2WD||$270||$490||$382||$22||$114||$1,278||$107|
|Ram Quad Cab SLT 4WD||$178||$288||$350||$20||$104||$940||$78|
|Ram Crew Cab ST 4WD||$270||$490||$412||$24||$124||$1,320||$110|
|Ram Crew Cab Sport 2WD||$398||$590||$476||$28||$142||$1,634||$136|
|Ram Quad Cab Sport 2WD||$290||$398||$476||$28||$142||$1,334||$111|
|Ram Quad Cab TRX4 Off Road 4WD||$254||$398||$364||$22||$108||$1,146||$96|
|Ram Crew Cab TRX 4WD||$186||$352||$474||$28||$142||$1,182||$99|
|Ram Crew Cab SLT 4WD||$218||$410||$412||$24||$124||$1,188||$99|
|Ram Quad Cab Laramie 2WD||$214||$382||$492||$30||$148||$1,266||$106|
|Ram Crew Cab Laramie 2WD||$218||$410||$412||$24||$124||$1,188||$99|
|Ram Crew Cab Sport 4WD||$300||$558||$474||$28||$142||$1,502||$125|
|Ram Quad Cab Sport 4WD||$196||$330||$342||$20||$102||$990||$83|
|Ram Crew Cab Laramie 4WD||$246||$450||$372||$22||$112||$1,202||$100|
|Ram Quad Cab Laramie 4WD||$214||$440||$492||$30||$148||$1,324||$110|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Mexico minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can affect auto insurance rates noticeably.
Safe drivers pay less for car insurance
The illustration below illustrates how violations and fender-benders can increase Dodge Ram annual premium costs for each different age category. The premiums are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Men versus women drivers and insurance cost
The diagram below compares Dodge Ram insurance costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.
Why you need Dodge Ram insurance in New Mexico
Despite the high cost, insuring your vehicle is required in New Mexico but also provides important benefits.
- Just about all states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage if you drive a vehicle. In New Mexico these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Dodge, most lenders will require that you carry insurance to guarantee loan repayment. If the policy lapses, the lender may have to buy a policy to insure your Dodge at a significantly higher premium and force you to reimburse them for the much more expensive policy.
- Insurance protects your car and your assets. It also can pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage will also pay attorney fees if you cause an accident and are sued. If damage is caused by hail or an accident, your auto insurance policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance definitely exceed the price paid, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays as much as $810 a year so it's very important to do a rate comparison every year to help ensure money is not being wasted.
Cheaper rates with these six discounts on Dodge Ram insurance in Las Cruces
Some insurance providers don't always publicize every possible discount in a way that's easy to find, so the next list breaks down a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Las Cruces car insurance online.
- Save over 55 - Older drivers may receive lower premium rates.
- No Claim Discounts - Drivers with accident-free driving histories pay much less in comparison to policyholders that have many claims.
- Buy New and Save - Putting coverage on a new Ram can get you a discount due to better safety requirements for newer vehicles.
- One Accident Forgiven - This isn't a discount exactly, but companies like GEICO, Allstate and Liberty Mutual permit an accident before they charge you more for coverage so long as you are claim-free for a set time period.
- E-sign Discounts - Certain companies provide a small discount get Las Cruces car insurance on the web.
- Discounts for Seat Belt Usage - Using a seat belt and requiring all passengers to use a seat belt can save a little off the personal injury premium cost.
Don't be surprised that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn't be very happy.
Some of the insurance companies that may have these money-saving discounts include:
Check with every company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. To find auto insurance companies that offer many of these discounts in Las Cruces, click here to view.
Auto insurance coverages explained
Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, chiropractic care, surgery and funeral costs. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.
Due to the fact that many New Mexico drivers only purchase the least amount of liability that is required (which is 25/50/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Auto collision coverage
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as scraping a guard rail, crashing into a ditch, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible on your Ram to save money on collision insurance.
Liability auto insurance
Liability coverage will cover injuries or damage you cause to a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/10 that means you have $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against claims like repair bills for other people's vehicles, funeral expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible. New Mexico requires drivers to carry at least 25/50/10 but you should consider buying more coverage.
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like hitting a bird, vandalism, hitting a deer and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.
Lower rates by being persistent
Some insurance companies do not provide the ability to get quotes online and most of the time these smaller companies sell through independent insurance agencies. The cheapest Dodge Ram insurance in Las Cruces can be found both online and also from your neighborhood Las Cruces agents, and you should compare rates from both to have the best rate selection.
In this article, we presented some good ideas how to reduce Dodge Ram insurance prices online in Las Cruces. It's most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may even discover the lowest priced car insurance comes from a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.
More detailed car insurance information is located by following these links:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Who Has Cheap New Mexico Car Insurance for Teenage Males? (FAQ)
- How Much is New Mexico Auto Insurance for a Nissan Rogue? (FAQ)
- What Auto Insurance is Cheapest in Espanola, New Mexico? (FAQ)
- What is the Cheapest Auto Insurance in Artesia, New Mexico? (FAQ)
- Who Has Affordable Car Insurance for a School Permit in New Mexico? (FAQ)
- How Much are New Mexico Auto Insurance Rates for a Ford F-150? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Vehicle Safety Ratings (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)
- Car Insurance: When not to Skimp (BankRate.com)