How Much Does 1994 Dodge Dakota Insurance Cost?

Looking for the cheapest insurance coverage rates for your Dodge Dakota? Trying to find cheaper insurance coverage can be challenging for drivers new to online comparison shopping. With so many insurers available, it can turn into a ton of work to lower your prices.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. The purpose of this article is to tell you the most effective way to quote insurance and some money-saving tips. But vehicle owners must understand the way insurance companies price online insurance and apply this information to your search.

Shop insurance online

There are a variety of methods to compare insurance prices but there is one way that is more efficient than others. You can spend countless hours talking about coverages with agents in your area, or you could use online quotes to get the quickest rates.

Most car insurance companies enroll in a system where insurance shoppers complete one form, and each company provides a quote based on that data. This prevents consumers from doing quote requests to every company. To find out how much you can save on insurance click here to start a free quote.

The only drawback to using this type of system is you are unable to specify which carriers to get pricing from. So if you prefer to pick from a list of companies to compare, we put together a list of low cost insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just try to keep the same quote information with each company. If you have different liability limits it will be next to impossible to determine the lowest rate for your Dodge Dakota. Quoting even small variations in coverage limits can mean a large discrepancy in price. Just keep in mind that obtaining a wide range of quotes helps increase your odds of locating more affordable insurance.

Use discounts on car insurance

Car insurance companies do not list every disount available very clearly, so we break down some of the best known and the more hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Drive Less and Save – Maintaining low annual mileage could qualify for lower prices on the low mileage vehicles.
  • Renewal Discounts – A few companies allow discounts for buying a policy early. This discount can save up to 10%.
  • Data Collection Discounts – Policyholders that allow their car insurance company to scrutinize where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like State Farm, Progressive and Geico will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Sign Online – Some insurance companies provide a small discount for completing your application on their website.
  • Cautious Driver Discount – Insureds without accidents can save as much as half off their rates on Dakota coverage than drivers with accidents.
  • Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Dakota coverage but check with your company.

A quick disclaimer, most discount credits are not given the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, you’re out of luck.

A list of car insurance companies and their possible discounts are shown below.

  • State Farm has savings for safe vehicle, anti-theft, defensive driving training, multiple autos, and passive restraint.
  • American Family offers premium reductions for good driver, accident-free, air bags, bundled insurance, mySafetyValet, and Steer into Savings.
  • Geico offers discounts for military active duty, multi-policy, defensive driver, anti-lock brakes, five-year accident-free, and federal employee.
  • 21st Century offers discounts including good student, anti-lock brakes, air bags, theft prevention, early bird, teen driver, and 55 and older.
  • Progressive policyholders can earn discounts including multi-policy, homeowner, online quote discount, multi-vehicle, and online signing.

If you want low cost insurance coverage quotes, ask all the companies which discounts they offer. Some discounts listed above may not apply to policyholders in every state.

Informed drivers save money

A large part of saving on insurance is knowing the rating factors that help determine the rates you pay for insurance. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to lower premium levels.

Shown below are a partial list of the pieces insurance companies consider when setting your rate level.

  • Multiple policies with one company – Some insurance companies give lower prices to customers that buy multiple policies such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. Even if you qualify for this discount already, you may still want to comparison shop to make sure you are getting the best deal. Drivers may still save even more than the discount by buying from different companies
  • Younger drivers pay more – Youthful drivers are statistically shown to get distracted easily when at the wheel of a vehicle so they pay higher insurance rates. Mature drivers tend to be more responsible, cause fewer claims and accidents and receive fewer citations.
  • Gender matters – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both genders cause at-fault accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations such as DWI and reckless driving.
  • Be proud to be claim-free – Car insurance companies award the lowest premiums to people who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • More traffic equals higher costs – Having an address in areas with lower population has definite advantages if you are looking for the lowest rates. People in densly populated areas regularly have more road rage incidents and higher rates of accident claims. Fewer drivers on the road means fewer accidents in addition to fewer liability claims.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • How much liability insurance is required?
  • Do I have coverage if my license is suspended?
  • If my pet gets injured in an accident are they covered?
  • Why am I required to get a high-risk car insurance policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Which is better, split liability limits or combined limits?
  • When can I cancel my policy?
  • How does medical payments coverage work?
  • I have health insurance so do I need medical payments coverage?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Advertising myths

Popular car insurance providers such as State Farm, Geico and Progressive regularly use ads on TV and radio. All the ads advertise claims that you’ll save big if you switch to their company. How do they all give you a better price? This is the trick they use.

Companies have an ideal profile for the type of customer that will not have excessive claims. A good example of a preferred risk might have to be a married male, owns their home, and drives newer vehicles. Anybody who matches that profile will most likely get cheap prices and therefore will save money with a new company.

Drivers who do not fit those criteria may be forced to pay a higher premium and ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” save that much money. That is how insurance companies can confidently make claims that they all have the best premium rates. Because each company has a different risk profile, it’s extremely important to compare many company’s premium rates. It’s impossible to know which insurance companies will be your best fit.

Specific coverage details

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability

This will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for ambulance fees, X-ray expenses and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage

This pays for damage to your Dakota from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, sideswiping another vehicle, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, damage from a tornado or hurricane, fire damage, hitting a bird and damage from flooding. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Dodge Dakota.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Saving money is sweet as honey

Consumers switch companies for many reasons like lack of trust in their agent, questionable increases in premium, delays in paying claims and not issuing a premium refund. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.

Cost effective 1994 Dodge Dakota insurance is attainable from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies may not have the ability to get quotes online and most of the time these small insurance companies only sell through independent insurance agencies.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits only to find out they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

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