Things to Know About Insuring Ram Vehicles

Ram is a popular brand of pickup trucks and commercial vehicles that offers a range of models designed for different applications, from everyday use to heavy-duty work. Here are some things to keep in mind when insuring a Ram vehicle:

1. Ram vehicles may cost more to insure than other brands: Due to their size and power, Ram trucks may be more expensive to insure than smaller, less powerful vehicles. Additionally, the cost of parts and repairs for Ram vehicles can be higher than for other brands, which can drive up insurance costs.
2. Insurance rates can vary by model and trim level: Insurance rates for Ram vehicles can vary depending on the model and trim level. For example, a Ram 1500 may be less expensive to insure than a Ram 3500 due to the differences in size and power.
3. Comprehensive coverage is recommended: Given the cost of repairs and replacement parts for Ram vehicles, comprehensive coverage is recommended to protect against theft, vandalism, and other types of damage that may not be covered by basic liability insurance.
4. Discounts may be available: Some insurance providers offer discounts for safety features such as anti-lock brakes, traction control, and airbags, which are standard on most Ram models. Additionally, discounts may be available for good driving habits, multiple vehicles, and other factors.
5. Insurance requirements vary by province: Insurance requirements and regulations for Ram vehicles can vary by province, so it’s important to check with your insurance provider or local government to ensure that you have the coverage you need.

Do Ram Vehicles Cost More to Insure than Other Brands?

Ram vehicles are typically large and powerful pickup trucks and commercial vehicles, which may make them more expensive to insure than smaller, less powerful vehicles. Additionally, the cost of repairs and replacement parts for Ram vehicles can be higher than for other brands, which can drive up insurance costs. However, insurance rates can vary based on a number of factors, including the specific model and trim level of the vehicle, the driver’s age and driving history, and the location and intended use of the vehicle. As with any vehicle, it’s important to shop around for insurance quotes and compare rates to find the coverage that meets your needs and budget.

The Average Cost of Ram Car Insurance in Canada?

The cost of Ram car insurance in Canada can vary significantly depending on a number of factors, including the model and trim level of the vehicle, the driver’s age and driving history, the intended use of the vehicle, and the province in which it is registered. Here is a general overview of the average cost of Ram car insurance by province in Canada, based on data from a number of insurance providers:

• Ontario: $1,560 per year
• Alberta: $1,203 per year
• British Columbia: $1,387 per year
• Manitoba: $1,253 per year
• Quebec: $782 per year
• Saskatchewan: $1,295 per year

Ram Model Factors that Lower Auto Insurance Costs

There are a number of Ram model factors that may help lower auto insurance costs:

1. Safety features: Many Ram models come with advanced safety features such as anti-lock brakes, traction control, and airbags. These features can help prevent accidents and reduce the severity of injuries, which may help lower insurance costs.
2. Security features: Many Ram models also come with security features such as alarm systems and engine immobilizers, which can help prevent theft and reduce the risk of damage to the vehicle. Insurance providers may offer discounts for vehicles with these features.
3. Lower trim levels: In general, lower trim levels of Ram models may have lower insurance costs than higher trim levels due to the differences in value and repair costs. However, this can vary depending on the specific model and insurer.
4. Less powerful engines: Ram models with less powerful engines may have lower insurance costs than models with larger, more powerful engines. This is because high-powered engines can increase the risk of accidents and the severity of damage in the event of a collision.
5. Good safety ratings: Ram models with good safety ratings from organizations such as the Insurance Institute for Highway Safety (IIHS) may have lower insurance costs than models with poor safety ratings, as they are considered less risky to insure.

Ram Model Factors that Increase Auto Insurance Costs

There are a number of Ram model factors that may increase auto insurance costs:

1. Size and power: Ram pickup trucks and commercial vehicles are generally large and powerful, which may make them more expensive to insure than smaller, less powerful vehicles. This is because larger and more powerful vehicles can cause more damage in the event of a collision.
2. Higher trim levels: In general, higher trim levels of Ram models may have higher insurance costs than lower trim levels due to the differences in value and repair costs. However, this can vary depending on the specific model and insurer.
3. Higher-end features: Ram models with higher-end features such as premium audio systems, larger wheels, and advanced technology may have higher insurance costs due to the increased cost of repair or replacement of these features in the event of an accident.
4. High-powered engines: Ram models with high-powered engines may have higher insurance costs than models with less powerful engines, as high-powered engines can increase the risk of accidents and the severity of damage in the event of a collision.
5. Poor safety ratings: Ram models with poor safety ratings from organizations such as the Insurance Institute for Highway Safety (IIHS) may have higher insurance costs than models with good safety ratings, as they are considered more risky to insure.

Tips for Finding Cheap Ram Car Insurance Rates

Here are some Ram model related tips for finding cheap car insurance rates:

1. Choose a lower trim level: Generally, lower trim levels of Ram models may have lower insurance costs than higher trim levels due to differences in value and repair costs. Choose a trim level that has the features you need without adding unnecessary cost.
2. Consider safety features: Ram models with advanced safety features such as anti-lock brakes, traction control, and airbags may qualify for discounts on car insurance. When shopping for a Ram vehicle, consider safety features as part of your decision-making process.
3. Consider security features: Vehicles with security features such as alarm systems and engine immobilizers can be less likely to be stolen, which may lead to lower insurance rates. When shopping for a Ram vehicle, consider security features as part of your decision-making process.
4. Shop around for quotes: It’s always a good idea to shop around and compare insurance quotes from multiple providers. Rates can vary significantly depending on the provider, so taking the time to compare quotes can help you find the best rate for your Ram vehicle.
5. Increase your deductible: Choosing a higher deductible on your car insurance policy can lead to lower monthly premiums. Keep in mind that you’ll be responsible for paying more out-of-pocket in the event of an accident, so only choose a deductible that you can afford.
6. Drive safely: The more accidents and traffic violations you have on your driving record, the more you’ll likely pay for car insurance. By driving safely and maintaining a clean driving record, you may be able to qualify for lower insurance rates over time.

Some Interesting Facts About Ram:

Here are some interesting facts about Ram:

1. Ram was first established as its own brand in 2009, when it was separated from the Dodge brand. Prior to this, Ram trucks were sold under the Dodge name.
2. Ram is known for its popular line of pickup trucks, which includes the Ram 1500, Ram 2500, and Ram 3500 models.
3. The Ram 1500 was named the 2019 MotorTrend Truck of the Year, the first time a truck has won the award back-to-back.
4. Ram trucks are manufactured in a number of locations in the United States and Canada, including plants in Michigan, Indiana, and Mexico.
5. The Ram brand has a strong following among truck enthusiasts, and there are a number of Ram-specific fan clubs and forums online.
6. Ram has a long history of innovation in the pickup truck market, introducing features such as the first 4×4 pickup truck and the first extended cab pickup truck.
7. In addition to its lineup of pickup trucks, Ram also offers commercial vehicles such as the ProMaster and ProMaster City.
8. Ram is a major sponsor of the National Finals Rodeo and has a strong presence in the rodeo and agricultural industries.
9. Ram has a strong commitment to sustainability and has implemented a number of environmentally-friendly initiatives at its manufacturing plants, including the use of renewable energy and waste reduction programs.

All Ram Models

Here are the current Ram models:

1. Ram 1500: A full-size pickup truck available in multiple configurations and trims, including the base Tradesman, the off-road-oriented Rebel, and the luxurious Limited.
2. Ram 2500: A heavy-duty pickup truck with a maximum towing capacity of up to 19,680 pounds, available in multiple trims including the base Tradesman, the off-road-oriented Power Wagon, and the high-end Limited.
3. Ram 3500: A heavy-duty pickup truck with a maximum towing capacity of up to 35,100 pounds, available in multiple trims including the base Tradesman, the off-road-oriented Power Wagon, and the high-end Limited.
4. Ram ProMaster: A commercial van available in multiple configurations, including the Cargo Van, Window Van, and Chassis Cab. The ProMaster is designed for businesses that need to transport cargo or people.
5. Ram ProMaster City: A compact commercial van designed for small businesses that need a vehicle for urban deliveries and other tasks. The ProMaster City is available in multiple trims and configurations.
6. Ram Chassis Cab: A versatile commercial vehicle designed for businesses that need to haul heavy loads or transport equipment. The Chassis Cab is available in multiple trims and configurations.
7. Ram 1500 Classic: A previous generation version of the Ram 1500 that is still available as a lower-priced option for buyers who prefer the older styling and features.

It’s worth noting that Ram regularly updates its lineup with new models and trims, so this list may not be exhaustive or up-to-date depending on when you are reading this.

What is the Average Maintenance Cost of a Ram in Canada?

It’s difficult to provide an accurate average maintenance cost for Ram vehicles in Canada, as the cost of maintenance can vary significantly depending on a number of factors, such as the age and condition of the vehicle, the location of the owner, and the specific model of Ram.

The average cost of maintenance and repairs for Ram vehicles in Canada is approximately $586 CAD per year. This includes costs for routine maintenance such as oil changes and tire rotations, as well as more extensive repairs such as transmission or engine work.

It’s worth noting that maintenance costs can vary significantly depending on the province, as the cost of labor and parts can be higher in some areas than in others. Additionally, the specific model and age of the Ram vehicle can also impact maintenance costs, as newer models may require more specialized parts and services.

Known Issues with Ram Vehicles

Like any vehicle, Ram trucks can experience mechanical issues from time to time. Here are some of the known issues that have been reported with Ram vehicles:

1. Transmission problems: Some Ram owners have reported issues with the transmission, including rough shifting, slipping gears, and delayed engagement.
2. Electrical issues: A number of Ram owners have reported issues with the vehicle’s electrical system, including problems with the radio, headlights, and other electronic components.
3. Airbag issues: There have been several recalls related to airbag issues in Ram vehicles, including problems with the side airbags and the Takata airbag inflators.
4. Steering issues: Some Ram owners have reported problems with the steering, including loose or sloppy steering, difficulty turning, and a shaking or vibrating steering wheel.
5. Suspension problems: Some Ram owners have reported issues with the suspension, including problems with the shocks, struts, and other components.

What is the Safety Rating of Ram?

The safety ratings of Ram vehicles can vary depending on the specific model and year of the vehicle. However, in general, Ram trucks have received high ratings for safety from reputable organizations such as the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS).

For example, the 2021 Ram 1500 received an overall safety rating of four out of five stars from the NHTSA, with four stars for frontal crash and rollover tests and five stars for side crash tests. The IIHS also gave the 2021 Ram 1500 high ratings in most categories, including “Good” ratings in the driver-side small overlap front, moderate overlap front, side, roof strength, and head restraints and seats tests.

Similarly, the 2021 Ram 2500 and 3500 both received an overall safety rating of four out of five stars from the NHTSA, with four stars for frontal crash and rollover tests and five stars for side crash tests. The IIHS has not yet rated the 2500 and 3500 models for 2021.

Does Ram Get Stolen a Lot in Canada?

Ram trucks are a popular choice in Canada, and like any popular vehicle, they can be targeted by thieves. According to the Insurance Bureau of Canada’s (IBC) most recent statistics on vehicle theft in Canada, Ram trucks are among the top 10 most frequently stolen vehicles in the country.

In 2020, the Ram 1500 was the seventh most frequently stolen vehicle in Canada, with a total of 514 thefts reported to police. The Ram 2500 was also on the list, ranking as the ninth most frequently stolen vehicle with 476 thefts reported.

It’s worth noting that the actual frequency of Ram thefts may be higher, as not all thefts are reported to police and included in official statistics. Additionally, the risk of theft can vary depending on the specific region and location of the owner, as some areas may have higher rates of vehicle theft than others.

Is Ram Easy to Steal?

Ram trucks, like any vehicle, can be vulnerable to theft if proper precautions are not taken. However, many Ram models are equipped with advanced security features and anti-theft measures that can make them more difficult to steal.

For example, many Ram models come with a factory-installed immobilizer system that helps to prevent unauthorized access to the vehicle’s computer systems and engine. Additionally, some Ram models are equipped with keyless entry systems that require a unique code to unlock the doors and start the engine, making them more difficult to steal without the key.

List of Most Frequently Stolen Ram Vehicles in Canada

The Insurance Bureau of Canada (IBC) publishes an annual list of the most frequently stolen vehicles in Canada, based on data provided by law enforcement agencies across the country. Ram trucks are among the most popular vehicles in Canada, and some models have appeared on the list in recent years. However, the IBC has not provided a specific breakdown of the most frequently stolen Ram vehicles in Canada.

It’s worth noting that the actual frequency of Ram thefts may be higher, as not all thefts are reported to police and included in official statistics. Additionally, the risk of theft can vary depending on the specific region and location of the owner, as some areas may have higher rates of vehicle theft than others.

Pros and Cons of Ram Vehicles

Ram trucks are popular among truck enthusiasts and those who need a vehicle with high towing and hauling capabilities. Here are some potential pros and cons of Ram vehicles to consider:

Pros:

• Towing and hauling capacity: Ram trucks are known for their high towing and hauling capabilities, making them a popular choice for those who need a vehicle for work or play.
• Advanced safety features: Many Ram models come equipped with advanced safety features such as adaptive cruise control, blind spot monitoring, and lane departure warning, which can help increase safety on the road.
• Comfort and convenience features: Ram trucks often come with a variety of comfort and convenience features such as spacious cabs, infotainment systems, and ample storage options.
• Customization options: Ram owners can customize their trucks with a variety of accessories and modifications to meet their individual needs and preferences.
• Off-road capabilities: Many Ram models are designed for off-road use and can handle rugged terrain and challenging driving conditions.

Cons:

• Fuel economy: Ram trucks are known for their low fuel economy, which can be a concern for those who drive long distances or use their trucks for daily commuting.
• Size: Ram trucks are large and can be difficult to maneuver in tight spaces, which can be a concern for some drivers.
• Cost: Ram trucks can be expensive, particularly when fully equipped with advanced features and options.
• Maintenance costs: Like all trucks, Ram vehicles can be expensive to maintain and repair, particularly as they age and require more frequent repairs and replacement parts.
• Environmental impact: Due to their low fuel economy and high emissions, Ram trucks may not be the most environmentally friendly choice for drivers concerned about their carbon footprint.

Overall, Ram trucks offer a variety of benefits to drivers who need a powerful and capable vehicle. However, they may not be the best choice for everyone, particularly those who are looking for a more fuel-efficient or environmentally friendly vehicle. It’s important to carefully consider your needs and preferences before purchasing a Ram or any other vehicle.