1998 Dodge Dakota Car Insurance Quotes

Searching for cheaper auto insurance rates for your Dodge Dakota? I doubt anyone fancies paying their premiums for auto insurance, especially knowing they could find better prices if they shop around. With so many insurance companies to choose from, it can be hard to find the cheapest auto insurance provider.

Finding the best coverage is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you will benefit by learning to cut your premiums while maintaining coverages. Drivers just need to learn the most efficient way to compare prices over the internet.

Smart buyers save more

Lots of factors are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving record, but other factors are not as apparent such as your credit history or how safe your car is.

Shown below are most of the major factors used by your company to calculate prices.

  • Where do you drive? – The more you drive your Dodge annually the higher your rates will be. Many insurance companies calculate prices based upon how you use the vehicle. Cars that have low annual miles can get a lower rate than vehicles that are driven to work every day. It’s a smart idea to ensure your insurance coverage policy is rated on the proper vehicle usage. An incorrectly rated Dakota may be wasting your money.
  • Be proud to be claim-free – If you are a frequent claim filer, you can expect higher rates. Insurance companies award discounts to drivers who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for more catestrophic claims.
  • High physical damage deductibles save money – Protection for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. Some examples of claims that would be covered could be a dented fender, damage from fire, and rolling your vehicle. The deductibles represent how much money the insured will be required to pay if a covered claim is submitted. The larger the amount you are required to pay out-of-pocket, the less your insurance coverage will be on Dakota coverage.
  • Decrease insurance coverage rates by maintaining coverage – Driving your car without having proper coverage is a big no-no and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, the inability to provide proof of insurance can result in fines and jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • If you don’t need it don’t buy it – There are a lot of add-on coverages that you can get tricked into buying on your Dakota policy. Coverages for vanishing deductibles, accidental death, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
  • Safety ratings are a factor – Vehicles with high crash test scores are cheaper to insure. Highly rated vehicles have better occupant injury protection and fewer serious injuries means less claims paid which can mean better rates for you. If the Dodge Dakota is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

Find discounts on car insurance

Car insurance companies don’t list every disount available very clearly, so the list below contains some of the best known as well as some of the hidden discounts that you may qualify for.

  • Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
  • E-sign – A few larger online companies give back up to $50 for completing your application on your computer.
  • Include Life Insurance and Save – Some car insurance companies give a discounted car insurance rate on car insurance if you buy life insurance from them.
  • Policy Bundle Discount – When you combine your auto and home insurance with the same company you could earn a discount of over 10 percent off each policy depending on the company.
  • Military Discounts – Being deployed with a military unit may lower your premium rates slightly.
  • Multiple Cars – Buying a policy with several vehicles on the same car insurance policy could earn a price break for each car.
  • Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease on Dakota coverage with some car insurance companies.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks since owning and maintaining a home requires personal responsibility.
  • College Student Discount – College-age children who live away from home at college and leave their car at home may be insured at a cheaper rate.

Remember that most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, nobody gets a free ride. Any amount of discount will definitely reduce the amount you have to pay.

A few of the larger companies and some of the premium reductions they offer include:

  • State Farm may have discounts that include anti-theft, defensive driving training, good driver, accident-free, good student, and safe vehicle.
  • GEICO offers discounts including multi-policy, multi-vehicle, anti-theft, seat belt use, and five-year accident-free.
  • Allstate policyholders can earn discounts including eSmart discount, economy car, senior citizen, FullPay discount, resident student, 55 and retired, and multi-policy.
  • SAFECO offers premium reductions for drive less, teen safety rewards, anti-theft, anti-lock brakes, and bundle discounts.
  • Farm Bureau includes discounts for multi-policy, 55 and retired, renewal discount, driver training, youthful driver, and good student.
  • Progressive has savings for good student, homeowner, continuous coverage, online quote discount, and multi-policy.
  • AAA discounts include multi-car, good student, pay-in-full, anti-theft, education and occupation, and good driver.

If you are trying to find affordable insurance coverage quotes, ask each insurance company to give you their best rates. Discounts may not be offered everywhere. If you would like to view insurance companies that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • At what point should I drop full coverage?
  • I have a DUI can I still get coverage?
  • When should I remove comp and collision on my 1998 Dodge Dakota?
  • Does coverage extend to a rental car in a foreign country?
  • Can I make deliveries for my home business?
  • Am I covered by my spouse’s policy after a separation?
  • Do I really need UM/UIM coverage?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage specifics

Understanding the coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, hitting a deer and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This covers damage to your Dakota resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Dodge Dakota.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, EMT expenses, ambulance fees, hospital visits and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – Liability coverage protects you from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles, funeral expenses, legal defense fees and court costs. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Saving money is sweet as honey

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the best possible price while still protecting your assets.

You just learned quite a bit of information on how to compare 1998 Dodge Dakota insurance rates online. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding affordable insurance coverage. You may be surprised to find that the best price on insurance coverage is with a small local company. Regional companies may have significantly lower car insurance rates on certain market segments than their larger competitors like GEICO and State Farm.

Some insurance coverage companies may not offer the ability to get quotes online and many times these small insurance companies provide coverage only through independent insurance agents. Cost effective 1998 Dodge Dakota insurance can be bought on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection.

Additional information can be read at the links below