1999 Dodge Dakota Insurance Quotes

No normal person likes having to buy insurance coverage, in particular when they could find better prices if they shop around.

Vehicle owners have so many insurers to purchase coverage from, and although it’s nice to have multiple companies, more options can take longer to find the best rates.

Where can I get affordable car insurance?

Most major insurance companies give pricing online. Comparing rates online is fairly simple as you just type in your required coverages on the page. After you complete the form, their quoting system automatically orders credit information and your driving record and gives you a price quote based on these factors. Quoting online simplifies rate comparisons, but having to visit many different websites and enter the same data into a form can get tiresome after awhile. But it’s very important to perform this step in order to find the best price possible.

The better way to compare rates

The easiest way to lower your rates is to use a quote form to return rates from a bunch of companies at once. It saves time, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you can select any or none of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process can be completed in less than 10 minutes and can result in significant savings.

To compare rates using this form now, click here to open in a new tab and enter your information. If you have a policy now, it’s recommended you input the insurance coverages as close as possible to your current policy. This helps ensure you are getting comparison quotes for exact coverage.

Discount insurance coverage rates

Auto insurance companies don’t list the entire discount list in an easy-to-find place, so the list below contains some of the more common and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

  • Multiple Policy Discount – If you combine your homeowners and auto policies with the same company you could earn a discount of up to 20% and get you cheaper insurance coverage.
  • Paper-free Discount – A few insurance coverage companies will discount your bill up to fifty bucks get insurance coverage over the internet.
  • Early Switch Discount – Some companies provide a discount for switching companies prior to your current policy expiration. It’s a savings of about 10%.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
  • Distant College Student Discount – Youth drivers who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Telematics Discount – Drivers who elect to allow driving data submission to scrutinize their driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they have good driving habits.

It’s important to understand that many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic.

Popular insurance coverage companies and some of the premium reductions they offer include:

  • State Farm has savings for good driver, driver’s education, safe vehicle, multiple policy, Drive Safe & Save, and Steer Clear safe driver discount.
  • American Family offers premium reductions for defensive driver, Steer into Savings, accident-free, multi-vehicle, and good driver.
  • AAA may have discounts that include pay-in-full, good driver, multi-car, good student, anti-theft, and multi-policy.
  • GEICO offers discounts for air bags, multi-vehicle, daytime running lights, membership and employees, anti-theft, and driver training.
  • Mercury Insurance discounts include age of vehicle, professional/association, accident-free, multi-car, and type of vehicle.
  • Farmers Insurance has discounts for business and professional, switch companies, mature driver, multi-car, and youthful driver.
  • Progressive includes discounts for good student, online quote discount, multi-vehicle, continuous coverage, and online signing.

If you need lower rates, check with each insurance company which credits you are entitled to. Discounts may not apply to policyholders in your state.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. 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 whether you would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Should I rate my 1999 Dodge Dakota as pleasure use or commute?
  • Do I need rental car coverage?
  • Does my 1999 Dodge Dakota need full coverage?
  • Why is insurance for a teen driver so high?
  • Should I buy only the required minimum liability coverage?
  • Is my custom paint covered by insurance?
  • Should I get collision insurance on every vehicle?
  • How much liability coverage do I need in my state?
  • Can I afford to buy a different vehicle if my 1999 Dodge Dakota is totaled?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Learn how to lower your insurance costs

Many things are part of the calculation when you get a price on insurance. A few of the factors are predictable like an MVR report, but others are more transparent such as your credit history or how financially stable you are.

  • Raising physical damage deductibles lowers rates – Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your Dodge. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and windstorm damage. Comprehensive and collision coverage deductibles define the amount you are required to spend out-of-pocket if the claim is covered. The more damage repair cost you’re willing to pay, the better rate you will receive for Dakota insurance.
  • Safer vehicles means cheaper prices – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries means less money paid by your insurance company and thus lower rates.
  • Lower rates for married couples – Having a spouse can actually save you money when buying insurance. Having a spouse is viewed as being more financially stable and statistics prove married drivers tend to file fewer claims.
  • Cut rates and deter theft – Owning a car with advanced anti-theft systems can help lower your premiums. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.
  • Stay claim-free and lower rates – If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Car insurance companies generally give discounts to policyholders who are claim-free. Insurance coverage is designed for the large, substantial claims.
  • Liability insurance safeguards assets – The liability coverage on your policy is the coverage that protects you if you are found to be at fault for damages caused by your negligence. Your liability coverage provides for a legal defense starting from day one. Liability is cheap compared to other policy coverages, so buy as much as you can afford.
  • Save by driving less – The higher the miles on your Dodge in a year the higher the price you pay to insure it. The majority of insurers rate vehicles partially by how you use the vehicle. Vehicles that sit idle most of the time qualify for better rates than those that get driven frequently. Ask your agent if your insurance policy reflects the correct driver usage, because improper ratings can cost you money. Incorrect rating for your Dakota may be costing you.

Insurance coverage specifics

Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Collision protection

Collision insurance covers damage to your Dakota resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, sideswiping another vehicle, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists 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 purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

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

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from flooding and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like funeral expenses, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for things like prosthetic devices, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

At the end of the day…

Cheaper 1999 Dodge Dakota insurance can be purchased online and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies may not have the ability to get a quote online and many times these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In many instances, an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

In this article, we covered a lot of tips how to lower your 1999 Dodge Dakota insurance car insurance rates. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from the least-expected company. These companies may have significantly lower premium rates on certain market segments than their larger competitors like Progressive or GEICO.

Additional information