1999 Dodge Dakota Insurance Rates

Want better auto insurance rates for your Dodge Dakota? Having to pay for expensive auto insurance can empty your monthly budget and maybe even restrict other spending. Comparing rate quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

Vehicle owners have so many insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to get the best deal.

Consumers need to take a look at other company’s rates quite often because auto insurance prices are usually higher with each renewal. If you had the best deal on Dakota coverage a year ago a different company probably has better premium rates today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the fastest and easiest way to properly buy coverages while reducing your premium.

Finding the best rates is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. But car owners must learn how insurance companies sell insurance online and apply this information to your search.

How to compare insurance quotes

There are a variety of methods to shop for insurance, and some are less labor-intensive and much quicker. You can spend countless hours driving to agents in your area, or you could use the web to maximize your effort.

Most of the larger companies belong to an insurance system that enables customers to enter their policy data once, and at least one company returns a competitive quote based on the submitted data. This eliminates the need for form submissions to every company.

To access this free quoting program, click here to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose the insurers you will receive quotes from. If you would rather choose specific insurance companies to compare rates, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

However you get your quotes, try to use the same quote information for every company. If you have differing limits it will be very difficult to determine which rate is truly the best. Just a small difference in coverage limits can make a big difference in price. And when price shopping your coverage, more quotes helps improve the odds of finding lower pricing.

Don’t miss these discounts

Some insurers don’t necessarily list every discount very well, so here is a list some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

  • Service Members Pay Less – Having a family member in the military could trigger a small discount.
  • Early Switch Discount – A few insurance companies offer discounts for buying a new policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Paper-free Discount – Many larger companies will provide an incentive for completing your application on their website.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Good Student – Excelling in school may save as much as 25% on a insurance quote. This discount can apply up until you turn 25.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a small discount if you purchase some life insurance too.
  • 55 and Retired – Seniors may qualify for better insurance rates on Dakota coverage.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will definitely reduce your policy cost.

Companies that may offer most of the discounts above include:

When getting a coverage quote, ask each insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered in your area. To view insurance companies that offer multiple discounts, follow this link.

Special considerations

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if my car is in a flood?
  • Is my ex-spouse still covered by my policy?
  • Is my camper covered by my car insurance policy?
  • Does coverage extend to a rental car in a foreign country?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Lower the price of car insurance with these tips

Part of the car insurance buying process is learning the factors that help calculate the rates you pay for car insurance. If you have a feel for what controls the rates you pay, this helps enable you to make changes that may reward you with much lower annual insurance costs. Lots of factors are used when premium rates are determined. Some are obvious such as traffic violations, but other factors are not quite as obvious like your vehicle usage or how safe your car is.

  • Males tend to take more risk – Statistics show that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Both genders get in auto accidents in similar percentages, but guys cause more damage. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Male teenagers generally have the highest accident percentage so it costs more to insure them.
  • High physical damage deductibles lower rates – Physical damage insurance, aka comp and collision, protects your Dodge from damage. Some examples of covered claims could be colliding with a building, damage from fire, or theft. Physical damage deductibles are how much you are required to spend if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance on Dakota coverage.
  • Car insurance rates and occupation – Occupations like military generalsair traffic controllers and dentists usually pay the highest rates because of job stress and lengthy work days. Conversely, occupations like scientists, athletes and homemakers receive lower rates on Dakota coverage.
  • The more you drive the more you pay – The more you drive your Dodge in a year the more you will pay for car insurance. Most insurance companies charge rates based upon how much you drive. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. An incorrectly rated Dakota may be costing you. It’s always a good idea to double check that your policy is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Multiple policies with one company can save – Most larger car insurance companies apply lower prices to clients who carry more than one policy such as combining an auto and homeowners policy. The discount can add up to ten percent or more. Even with this discount applied, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Never have car insurance policy lapses – Letting your insurance expire is a quick way to increase your car insurance rates. In addition to paying higher rates, the inability to provide proof of insurance will get you fines or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Smaller companies may have the best rates

Auto insurance providers like Geico, State Farm and Progressive regularly use ads in print and on television. They all say the same thing about saving some big amount if you move your auto insurance coverage to their company. It sounds good, but how can they all sell you cheaper insurance coverage? Here is the trick they use.

All the different companies have an ideal profile for a prospective insured that is profitable for them. For example, this type of risk profile should be over age 30, has no prior claims, and chooses high deductibles. Anyone that meets those criteria may get the lowest prices and will also save a lot of money.

Insureds who do not fit those standards will see higher premiums with the end result being business going elsewhere. The trick is to say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can make those statements. Because every company is different, you really should get insurance quotes as often as possible. It is impossible to guess which insurance companies will have the lowest rates.

Car insurance coverages 101

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses such as X-ray expenses, ambulance fees, funeral costs, dental work and pain medications. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Dakota.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, medical services, court costs, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a bird, fire damage and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, backing into a parked car, colliding with another moving vehicle, crashing into a building and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Power to the consumer

As you quote insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.

Discount 1999 Dodge Dakota insurance can be bought both online and from local agencies, and you need to price shop both so you have a total pricing picture. Some insurance providers may not offer the ability to get a quote online and many times these small insurance companies sell through local independent agencies.

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