1994 Dodge Dakota Insurance Rates – 7 Tricks for Best Quotes

Trying to find cheaper car insurance rates for your Dodge Dakota? Comparing auto insurance quotes online might sound like a lofty goal if you are one of the many people new to online price quotes. Don’t be bewildered because there is an easy way to compare rates.

It’s important to do rate comparisons quite often since insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rate on Dakota insurance at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because I’m going to teach you the fastest and easiest way to remove unneeded coverages and save money.

These seven discounts can cut insurance coverage rates

Companies that sell car insurance don’t always list every discount they offer very clearly, so the list below gives a summary of a few of the more well known and the harder-to-find credits available to you.

  • Waiver for an Accident – but a handful of insurance companies permit an accident before they charge you more for coverage if your claims history is clear for a certain period of time.
  • Drivers Education – Require your teen driver to participate in a local driver’s education class in school.
  • Organization Discounts – Affiliation with a qualifying organization could earn you a nice discount on your next insurance coverage statement.
  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates on Dakota insurance.
  • Multiple Policy Discount – If you can bundle your home and auto insurance with one insurance company you could earn a discount of up to 20% off your total premium.
  • Own a Home – Simply owning a home may earn you a small savings because maintaining a house requires a higher level of personal finance.
  • Student in College – College-age children who are enrolled in a college that is more than 100 miles from home and don’t have a car could get you a discount.

Just know that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and their possible discounts are shown below.

  • State Farm may offer discounts for multiple autos, Steer Clear safe driver discount, driver’s education, defensive driving training, Drive Safe & Save, good student, and student away at school.
  • GEICO offers discounts for good student, defensive driver, federal employee, multi-policy, and seat belt use.
  • Liberty Mutual may include discounts for hybrid vehicle, new vehicle discount, multi-car, safety features, multi-policy, and teen driver discount.
  • The Hartford policyholders can earn discounts including good student, vehicle fuel type, air bag, driver training, bundle, and anti-theft.
  • MetLife offers discounts including accident-free, good driver, claim-free, defensive driver, and good student.
  • Progressive has savings for continuous coverage, multi-vehicle, good student, multi-policy, online signing, homeowner, and online quote discount.

Before purchasing a policy, check with every company which credits you are entitled to. Some discounts listed above may not be offered in your area. To see insurers who offer online insurance coverage quotes, follow this link.

When do I need an agent’s advice?

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you could use an agent’s help.

  • Is business equipment covered while in my vehicle?
  • Do I benefit by insuring my home with the same company?
  • How does medical payments coverage work?
  • Can I drive in Mexico and have coverage?
  • Should I bundle my homeowners policy with my auto?
  • Is my 1994 Dodge Dakota covered for smoke damage?
  • How do I buy GAP insurance?
  • How high should deductibles be on a 1994 Dodge Dakota?
  • What exactly is covered by my policy?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Are you falling for claims of savings?

Popular car insurance providers such as 21st Century, Allstate and State Farm regularly use television and radio advertisements. They all advertise the message that drivers will save a bundle if you switch your car insurance coverage to their company. How do they all cost less than your current company?

All the different companies give the best rates for a prospective insured that will be a good risk. For example, a profitable risk profile might be over the age of 45, owns their home, and has great credit. Any customer who meets those qualifications will get a cheap rate quote and will probably save money with a new company.

Consumers who cannot meet these stringent criteria may be forced to pay a higher premium and ends up with the customer not buying. The ad wording is “people who switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way insurance companies can make claims that they all have the best prices.

This illustrates why you really should compare free auto insurance quotes often. Because you cannot predict which company will give you lower premium rates than your current company.

Insurance coverage basics

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills like EMT expenses, doctor visits, surgery and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like legal defense fees, repair costs for stationary objects, loss of income and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Dodge Dakota.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

You can do this!

Consumers leave their current company for many reasons like poor customer service, delays in paying claims, denial of a claim or questionable increases in premium. It doesn’t matter why you want to switch finding the right insurance provider is not as hard as you think.

When shopping online for insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured cut comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest cost while still protecting your assets.

Low-cost 1994 Dodge Dakota insurance is attainable online and also from your neighborhood agents, so you should compare both to have the best selection. Some insurance companies may not have online quoting and most of the time these regional insurance providers provide coverage only through local independent agents.

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