Save on 1990 Dodge Dakota Car Insurance Rates

Looking for lower auto insurance rates for your Dodge Dakota? Did budget coverage turn out to be an overpriced auto insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance.

Numerous insurers battle for your insurance dollar, and because of this it can be hard to compare insurance companies to find the best price available.

How to compare auto insurance rate quotes

The majority of larger companies like Allstate, GEICO and Progressive allow you to get pricing online. Doing online price comparisons is quite easy as all you need to do is type in your coverage preferences into a form. Upon sending the form, the quote system collects your driving and credit reports and provides a quote. This streamlines rate comparisons, but the time it takes to visit many different websites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible in order to get the lowest price.

There is a better way to compare rates

A better way to find cheaper rates uses just one form to get prices from more than one company. This type of form saves time, reduces the work, and makes online price comparison much easier to do. As soon as the form is sent, it is rated with multiple companies and you can pick any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you complete the form with deductibles and limits as shown on your current policy. Using the same limits helps guarantee you will get comparison quotes for the exact same coverage.

These discounts can cut insurance coverage rates

Companies offering auto insurance don’t always advertise every policy discount very clearly, so below is a list both the well known in addition to some of the lesser obvious credits that may apply to you. If you do not double check each discount available, you are throwing money away.

  • Driver’s Education for Students – Require your teen driver to complete a driver education course as it can save substantially.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
  • Accident Waiver – Not really a discount, but companies like Progressive, Allstate, and GEICO will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Federal Government Employee – Federal government employees could provide a small rate reduction for Dakota coverage but check with your company.
  • Discounts for Multiple Vehicles – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Driver Training Discounts – Passing a course that instructs on driving safety could cut 5% off your bill depending on where you live.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

A list of insurance coverage companies and some of their more popular discounts are detailed below.

  • GEICO offers premium reductions for multi-vehicle, anti-lock brakes, air bags, emergency military deployment, five-year accident-free, and driver training.
  • MetLife offers discounts including defensive driver, claim-free, multi-policy, good driver, good student, and accident-free.
  • Progressive discounts include multi-policy, online quote discount, multi-vehicle, homeowner, and good student.
  • Travelers includes discounts for driver training, multi-policy, early quote, student away at school, IntelliDrive, and continuous insurance.
  • SAFECO may offer discounts for accident prevention training, anti-theft, homeowner, drive less, and teen safety rewards.
  • AAA may have discounts that include multi-policy, good driver, AAA membership discount, pay-in-full, anti-theft, multi-car, and education and occupation.

When getting free insurance coverage quotes, it’s a good idea to every prospective company which discounts you qualify for. Savings might not be offered everywhere. To see insurance coverage companies who offer online insurance coverage quotes, click here.

When do I need an agent’s advice?

When buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I carry comprehensive and collision coverage?
  • Can I drive in Mexico and have coverage?
  • What is the ISO rating for a 1990 Dodge Dakota?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I afford to buy a different vehicle if my 1990 Dodge Dakota is totaled?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance premium influencing factors

Many things are considered when pricing auto insurance. Most are fairly basic such as your driving record, but other factors are not quite as obvious such as your credit history or your vehicle rating.

The factors shown below are some of the things companies use to determine rates.

  • Lower rates for married couples – Walking down the aisle may cut your premiums on your policy. Marriage is viewed as being more mature and it’s statistically proven that drivers who are married file infrequent claims.
  • Lower rates come with age – Youthful drivers are statistically shown to be easily distracted with other occupants in the car so they pay higher auto insurance rates. Parents adding a beginning driver to your policy can be very expensive. Older drivers are proven to be safer behind the wheel, file fewer claims , and are generally more financially stable.
  • Your career may increase prices – Do you have a high-stress occupation? Jobs such as real estate brokersair traffic controllers and miners are shown to have higher premium rates due to intense work requirements and lots of time spent at work. Conversely, jobs like professors, students and the unemployed get better rates for Dakota coverage.
  • Commute or pleasure use – The more you drive your Dodge in a year the more you’ll pay to insure your vehicle. A lot of companies calculate rates based on how the vehicle is used. Vehicles not used for work or commuting cost less to insure than vehicles that are driven to work every day. Improper usage on your Dakota can cost quite a bit. Double check that your auto insurance policy states the correct usage for each vehicle, because improper ratings can cost you money.
  • Save money by eliminating incidental coverages – Insurance policies have a lot of extra coverages that you can buy if you don’t pay attention. Insurance for things like replacement cost coverage, towing coverage, and additional equipment coverage are examples of these. These coverages may sound good when buying your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • How much liability – Liability coverage will provide protection when you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Better rates on safer cars – Cars with five star safety ratings tend to have lower insurance rates. These vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If the Dodge Dakota earned at least four stars on or an “acceptable” rating on you may be receiving a better rate.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by auto insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like X-ray expenses, prosthetic devices, nursing services, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from a tornado or hurricane, fire damage, a broken windshield and damage from flooding. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

This coverage covers damage to your Dakota resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, backing into a parked car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.


Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Save your cold hard cash

Cost effective 1990 Dodge Dakota insurance can be bought from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not offer internet price quotes and many times these small, regional companies sell through independent insurance agencies.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest price.

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