{"id":40024,"date":"2022-12-02T15:01:01","date_gmt":"2022-12-02T23:01:01","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=40024"},"modified":"2023-09-22T04:00:27","modified_gmt":"2023-09-22T11:00:27","slug":"dodge-ram","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/dodge-ram\/","title":{"rendered":"Car Insurance Quotes for a Dodge Ram"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6376786fc2e17\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much is Auto Insurance for My Ram Truck?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>The average annual premium for a Ram is $527 for minimum and $1,697 for full. There are reasons why motorists would choose one or the other for their truck and Freeway Insurance has agents who can help you decide the best <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">auto insurance coverage<\/a> for you.<\/p>\n<p>Although the state minimum may be the <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">cheapest<\/a>, it may leave you high and dry if something happens and you are found to be at fault. Every driver pays a different amount since no two people have the exact same background and circumstances. Since pickups are generally considered a safe choice, it may come down to your age and driving or claims history, among other things.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Getting a Free Auto Insurance quote with Freeway is easy!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_63767898c2e18\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">Comparing Costs to Other Makes and Models<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\"><span lang=\"EN-US\">There are many reasons why the rates for your truck are different than other makes and models, such as the <a href=\"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/ford-f-series\/\">Ford F-150<\/a>, <a href=\"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/chevrolet-silverado\/\">Chevy Silverado<\/a> and <a href=\"https:\/\/www.freeway.com\/auto-insurance\/vehicles\/gmc-sierra\/\">GMC Sierra<\/a>. These reasons include make\/model year, safety features, reliability record, and the cost of parts and labor for each model.<\/span><\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Make\/Model<\/th>\n                                                                                            <th>Annual Full Coverage<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td><strong>Ram Truck<\/strong><\/td>\n                                                                                            <td><strong>$1,697<\/strong><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Ford F-150<\/td>\n                                                                                            <td>$1,442<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Chevy Silverado<\/td>\n                                                                                            <td>$1,682<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>GMC Sierra<\/td>\n                                                                                            <td>$1,662<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_63767918c2e19\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Types of Truck Policies  <\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\"><span lang=\"EN-US\">Freeway offers all Dodge drivers different types of car packages, including the state minimum liability, full and plenty of other options.<\/span><\/p>\n<h3 style=\"text-align: left;\">Full Coverage<\/h3>\n<p><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/\">Full coverage<\/a> policies go above and beyond state minimum liability with the inclusion of additional protections in the event of an accident or other covered instance. One of those added is <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/comprehensive\/\">comprehensive coverage<\/a>. This can provide financial relief if your truck is stolen, it becomes damaged in a hail storm or other events, such as you hit a deer.<\/p>\n<p>The other additional protection is <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/collision\/\">collision coverage<\/a>. \u00a0Whether you cause a wreck or someone else is at fault, your collision will kick in to help pay for repairs if the liability levels are not enough to pay for the total.<\/p>\n<p>Unlike state minimum liability, full covers your own repair costs, not just those of opposing drivers and property.<\/p>\n<h4 style=\"text-align: left;\">The Average Cost of Full Coverage<\/h4>\n<p>Not surprisingly, full policies cost substantially more than state minimum policies. The average for your truck will be $1,697 annually. Keep in mind it could be more or less depending on factors such as your age, your driving record, where you live and how much deductible you are willing to pay.<\/p>\n<h3 style=\"text-align: left;\">State Minimum Liability<\/h3>\n<p><a href=\"https:\/\/www.freeway.com\/auto-insurance\/states\/\">State minimum liability<\/a> is the minimum amount required by each state, consisting of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\">bodily injury<\/a> (BIL) and property damage (PDL). Depending on what state you live in, you may also be required to add other protections, such as <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/uninsured-motorist\/\">uninsured motorist coverage<\/a> (UM) and <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/no-fault\/\">Personal Injury Protection<\/a> (PIP).<\/p>\n<p>Different states have their requirements. For example, all Louisiana drivers must carry liability limits of $15,000 BIL per person, $30,000 BIL per accident, and $25,000 PDL. However, Kentucky drivers must purchase $25,000 BIL per person, $50,000 BIL per accident, and $25,000 PDL, plus $10,000 PIP.<\/p>\n<p>Regardless of whether your state requires UM, it\u2019s cheap for the value it provides if you get hit by someone who is uninsured. If you live in a <span style=\"white-space:nowrap;\">no-fault<\/span> state, your <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/property-damage\/\">property damage liability<\/a> pays for your damages, regardless of who is at fault. If you live in an <span style=\"white-space:nowrap;\">at-fault<\/span> state, your bodily injury and PDL go to the other parties involved if you are at fault.<\/p>\n<h4 style=\"text-align: left;\">State Minimum Average Cost<\/h4>\n<p>The lowest you\u2019ll pay, on average, is $527 annually. This rate is reserved for a mature driver with a clean history who lives in a place where there is a low incidence of claims, wrecks and lawsuits.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote c-quick-office\">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                                                <img decoding=\"async\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/office-quote.svg\" alt=\"Image office\" class=\"c-quick-small__img\">\n                                \n                <h2 class=\"c-quick-small__title c-quick-small__title--blue\">Find an office near you to help with your auto insurance<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form\" action=\"https:\/\/locations.freeway.com\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Search by Zip Code, City or State<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote \" type=\"text\"  name=\"search\" id=\"address\" maxlength=\"50\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" name=\"latitude\" value=\"\">\n                    <input type=\"hidden\" name=\"longitude\" value=\"\">\n                    <input type=\"hidden\" name=\"radio\" value=\"20\">\n                    <input type=\"hidden\" name=\"time\" value=\"open-any\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--blue-green c-button--text-big\" type=\"submit\">Find<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_637679adc2e1a\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Optional Coverages for the Ram Truck<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>If you want to ensure your <span style=\"white-space: nowrap;\">pickup \u2013 and<\/span> <span style=\"white-space: nowrap;\">you \u2013 are<\/span> covered for almost any eventuality, you have many <a href=\"https:\/\/www.freeway.com\/auto-insurance\/optional-coverage\/\">optional protections<\/a> to choose from, including:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Gap &#8211; <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/gap\/\">Guaranteed Asset Protection<\/a> means if your new truck is stolen or totaled, you won\u2019t have to pay the difference between the value and what you owe. In many cases, your vehicle depreciates faster than your monthly payments add up to \u2013 meaning you could still owe several thousand dollars after your loss.<\/li>\n<li>Roadside Assistance \u2013 <a href=\"https:\/\/www.freeway.com\/insurance-options\/roadside-assistance\/\">Roadside assistance<\/a> is there to help you when you are stuck, such as a flat tire (spare is also flat), locked yourself out, left your lights on (battery dead) and much more.<\/li>\n<\/ul>\n<p>Your Freeway agent can walk you through the variety of packages available so you\u2019ll be able to pick the one that best fits your budget and needs.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_637679d3c2e1b\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Does a DUI Affect Rates for My Truck?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>If you are a Ram truck driver with a recent DUI conviction, expect it to significantly increase your premiums. Many <span style=\"white-space: nowrap;\">first-time<\/span> DUI offenders can see their premiums double or triple, staying elevated for three to five years.<\/p>\n<p>On top of elevated premiums, expect heavy state penalties, a suspended driver&#8217;s license\/registration and possible jail time, depending on the severity of the offense. You may also need to file an <a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\"><span style=\"white-space: nowrap;\">SR-22<\/span> certificate<\/a>, which signifies that you are considered a <span style=\"white-space: nowrap;\">high-risk<\/span> driver.<\/p>\n<p>Fortunately, there are ways those with DUI convictions can save over time. One of the best ways is to restructure your policy to increase deductibles and lower limits to the <span style=\"white-space: nowrap;\">state-required<\/span> minimum. However, this offers substantially lesser protections than a full policy with comprehensive and collision liability.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"c-product-imagen-wp c-product-imagen-wp wp-image-33997 size-full\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/12\/dodge-ram.jpg\" alt=\"Front view of blue Dodge Ram in the dessert\" width=\"760\" height=\"380\" \/><\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_637679e8c2e1c\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are Some Truck Discounts?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>If you drive a Dodge and have a clean driving record, expect to <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\">save on auto insurance<\/a> with plenty of discounts.<\/p>\n<p>Discounts typically fall under four categories: policy, driver behavior, <span style=\"white-space: nowrap;\">vehicle-based<\/span>, and <span style=\"white-space: nowrap;\">affiliation-based<\/span> discounts.<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Policy-based discounts are awarded based on how you structure your policy. For example, <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/\">bundling<\/a> (purchasing two or more policies from the same insurer) can save you a percentage off each one. Other <span style=\"white-space: nowrap;\">policy-based<\/span> discounts include renewals, paying your premium upfront, and <a href=\"https:\/\/www.freeway.com\/auto-insurance\/auto-pay-car-insurance-discount\/\">enrolling in autopay<\/a> and paperless billing.<\/li>\n<li>Driver behavior discounts are awarded based on driving history. If your driving record is free of claims and moving violations within the last three to five years, expect your insurer to classify you as a <span style=\"white-space: nowrap;\">low-risk<\/span> driver, earning you lower premiums.<\/li>\n<li>Other discounts are awarded for installing <span style=\"white-space: nowrap;\">anti-theft<\/span> and telematics devices in your vehicle to monitor driving behavior, driving less than 7,500 miles a year, and completing <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-safety\/reasons-take-defensive-driving-course\/\">defensive driving courses<\/a>. <span style=\"white-space: nowrap;\">Higher-risk<\/span> groups like teenagers and seniors can significantly benefit from defensive driving course discounts.<\/li>\n<\/ul>\n<p>To stay on top of the latest discounts, we highly recommend comparing quotes from at least three or four insurers upon policy renewal. It is also a good idea to call your auto insurer every six months (or as your life circumstances change) to learn which discounts, if any, are available.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_63767a05c2e1d\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are Some of the Characteristics of My Pickup?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>This is a vehicle in the <span style=\"white-space: nowrap;\">full-size<\/span> pickup segment. It is available in eight <span style=\"white-space: nowrap;\">trims &#8211; Tradesman<\/span>, Tradesman HFE, Big Horn, LaRamie, Rebel, Limited Longhorn, Limited, and TRX.<\/p>\n<p>It also has several powertrain options, including a base <span style=\"white-space: nowrap;\">305-horsepower<\/span> <span style=\"white-space: nowrap;\">3.6-liter<\/span> V6, <span style=\"white-space: nowrap;\">395-horsepower<\/span> <span style=\"white-space: nowrap;\">5.7-liter<\/span> V8, <span style=\"white-space: nowrap;\">260-horsepower<\/span> <span style=\"white-space: nowrap;\">3.0-liter<\/span> V6 diesel, and a <span style=\"white-space: nowrap;\">702-horsepower<\/span> supercharged <span style=\"white-space: nowrap;\">6.2-liter<\/span> V8.<\/p>\n<p>It also offers the choice of <span style=\"white-space: nowrap;\">two-sized<\/span> <span style=\"white-space: nowrap;\">beds &#8211; a<\/span> <span style=\"white-space: nowrap;\">5-foot-7-inch<\/span> and a <span style=\"white-space: nowrap;\">6-foot-4-inch<\/span> version.<\/p>\n<p>This truck\u2019s best <span style=\"white-space: nowrap;\">off-road<\/span> performers are the Recel and TRX trims, with additional features like locking differentials and skid plates for greater rocky terrain protection.<\/p>\n<p>Main competitors are the Ford <span style=\"white-space: nowrap;\">F-150<\/span>, GMC Sierra 1500, Chevrolet Silverado 1500, and Toyota Tundra.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"c-contact-channels\">\n        <div class=\"o-wrapper \">\n        <div class=\"c-contact-channels__content\">\n            <h2 class=\"c-contact-channels__title\">Find the Best Truck Insurance Rates Online Today<\/h2>\n                            <div class=\"c-contact-channels__text\"><p>In an accident, be fully protected with a policy from Freeway. Ready to request a quote? You are welcome to visit us <strong><a href=\"#modal-turbo\">online<\/a><\/strong>, stop by one of our <a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\"><strong>offices<\/strong><\/a>, or call us at <a href=\"tel:800-777-5620\"><strong><span style=\"white-space:nowrap;\">800-777-5620<\/span><\/strong><\/a>. Get in touch with us today!<\/p>\n<\/div>\n                        <div class=\"c-contact-channels__channel\">\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--online\" target=\"_self\" href=\"#modal-turbo\" aria-label=\"Get a quote online\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Online<\/span>\n                    <\/div>\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--phone\" target=\"_self\" href=\"tel:800-777-5620\" aria-label=\"Get a quote over the phone\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-phone\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Over the phone<\/span>\n                    <\/div>\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--ubication\" target=\"_self\" href=\"https:\/\/locations.freeway.com\/\" aria-label=\"Get a quote in our offices\" rel=\"noopener\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-location\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Visit us<\/span>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":39970,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/40024"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=40024"}],"version-history":[{"count":23,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/40024\/revisions"}],"predecessor-version":[{"id":45993,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/40024\/revisions\/45993"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/39970"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=40024"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}