To save the most money, the best way to get discount auto insurance rates in Charlotte is to do an annual price comparison from different companies in North Carolina. Drivers can shop around by following these guidelines.
- Step 1: Take a few minutes and learn about what coverages are included in your policy and the measures you can take to drop your rates. Many policy risk factors that drive up the price like at-fault accidents and a bad credit rating can be eliminated by making minor driving habit or lifestyle changes. This article provides more ideas to get better rates and earn larger discounts.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can provide prices for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate in Charlotte. If you find better rates and change companies, ensure coverage does not lapse between policies.
A good piece of advice is that you use the same physical damage deductibles and liability limits on each quote request and and to get quotes from as many companies as possible. Doing this provides a fair rate comparison and a complete rate analysis.
Unbelievable but true, most auto insurance buyers in North Carolina have remained with the same auto insurance company for over three years, and roughly 40% of drivers have never compared rates with other companies. American drivers could cut their rates by about 47% a year by just shopping around, but they just don't understand the actual amount they would save if they switch to a new company.
The car insurance companies shown below have been selected to offer price comparisons in North Carolina. If your goal is to find the best auto insurance in NC, we recommend you visit as many as you can to get the most competitive price.
Rates and information analytics
The information displayed below highlights estimates of insurance prices for Dodge Ram 2500 models. Understanding how auto insurance premiums are formulated is important to be able to make smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ram 2500 Crew Cab ST 2WD||$208||$446||$296||$18||$88||$1,056||$88|
|Ram 2500 Crew Cab SLT 2WD||$208||$514||$296||$18||$88||$1,124||$94|
|Ram 2500 Mega Cab SLT 2WD||$208||$514||$296||$18||$88||$1,124||$94|
|Ram 2500 Crew Cab Laramie 2WD||$208||$514||$296||$18||$88||$1,124||$94|
|Ram 2500 Crew Cab ST 2WD||$208||$514||$296||$18||$88||$1,124||$94|
|Ram 2500 Mega Cab Laramie 2WD||$208||$514||$296||$18||$88||$1,124||$94|
|Ram 2500 Crew Cab ST 4WD||$232||$446||$296||$18||$88||$1,080||$90|
|Ram 2500 Crew Cab SLT 2WD||$232||$514||$296||$18||$88||$1,148||$96|
|Ram 2500 Mega Cab SLT 2WD||$232||$514||$296||$18||$88||$1,148||$96|
|Ram 2500 Mega Cab SLT 4WD||$232||$446||$296||$18||$88||$1,080||$90|
|Ram 2500 Crew Cab SLT 4WD||$232||$446||$296||$18||$88||$1,080||$90|
|Ram 2500 Crew Cab Laramie 2WD||$232||$582||$296||$18||$88||$1,216||$101|
|Ram 2500 Mega Cab Laramie 2WD||$232||$582||$296||$18||$88||$1,216||$101|
|Ram 2500 Crew Cab ST 4WD||$232||$446||$296||$18||$88||$1,080||$90|
|Ram 2500 Mega Cab Laramie 4WD||$232||$446||$296||$18||$88||$1,080||$90|
|Ram 2500 Crew Cab Laramie 4WD||$232||$446||$296||$18||$88||$1,080||$90|
|Ram 2500 Mega Cab SLT 4WD||$256||$514||$296||$18||$88||$1,172||$98|
|Ram 2500 Crew Cab SLT 4WD||$256||$514||$296||$18||$88||$1,172||$98|
|Ram 2500 Crew Cab Laramie 4WD||$256||$514||$296||$18||$88||$1,172||$98|
|Ram 2500 Mega Cab Laramie 4WD||$256||$514||$296||$18||$88||$1,172||$98|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in Charlotte location which can alter premium rates greatly.
The chart below shows how different deductible levels and can increase or decrease Dodge Ram 2500 insurance rates for different categories of driver ages. The price estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
Annual premiums for males versus females
The example below visualizes the comparison of Dodge Ram 2500 insurance costs for male and female drivers. The data assumes no claims or violations, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.
Should you buy full coverage?
The chart below visualizes the comparison of Dodge Ram 2500 insurance rates with and without physical damage coverage. The premiums are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied.
Are you wasting money on full coverage?
There is no set guideline of when to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.
For example, let's say your Dodge Ram 2500 replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying the physical damage deductible. If you are currently paying more than $400 a year to have full coverage, then it might be time to consider dropping full coverage.
There are a few situations where removing full coverage is not a good idea. If you haven't paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Shop online but buy locally
Many people would prefer to sit down with an agent and that is a personal choice. Good insurance agents can help you choose the best coverages and help file insurance claims. A nice benefit of comparing insurance prices online is that drivers can save money and get cheap auto insurance quotes and still choose a local agent.
To help locate an agent, after submitting this simple form, the quote information is instantly submitted to local insurance agents in Charlotte that can provide free Charlotte car insurance quotes for your insurance coverage. You don't have to search for an agent because quoted prices will be sent to your email. If you need to quote rates from a specific insurance company, you just need to find their quoting web page and fill out the quote form the provide.
Picking the best insurance company should depend on more than just the bottom line cost. Any agent in Charlotte should be forthright in answering these questions:
- Where would your vehicle be repaired?
- How many years have they been established?
- Does the agency have a positive business rating?
- Do they have designations such as AIC, CPCU, or CIC?
- What insurance company do they write the most business with?
- If you raise deductibles, how much can you save?
The following is a list of auto insurance companies in Charlotte that are able to give comparison quotes for Dodge Ram 2500 insurance in Charlotte.
Upon getting positive feedback as well as offering an affordable quote, you may have just found an insurer that meets the criteria to properly service your auto insurance policy.