Save on 2002 Dodge Dakota Insurance Rates

Looking for better auto insurance rates for your Dodge Dakota? Paying for overpriced Dodge Dakota insurance can overdraw your monthly budget and make it hard to pay other bills.

People have many insurance companies to pick from, and although it’s nice to be able to choose, more choices can make it harder to locate the cheapest rates.

You should make it a habit to compare premium rates periodically because prices are variable and change quite frequently. Despite the fact that you may have had the lowest quotes on Dakota insurance a few years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn how to use online quotes to buy cheaper auto insurance.

Pricing affordable coverage can be fairly easy. Basically, anyone who buys auto insurance should be able to cut their insurance bill. Nevertheless, vehicle owners must understand the way insurance companies price online insurance and use this information to your advantage.

Buy car insurance online

Most larger insurance companies provide prices for coverage directly from their websites. Comparing rates online is quite simple as you just type in your required coverages on the page. After you complete the form, their rating system makes automated requests for your driving and credit reports and generates pricing information. Being able to quote online makes it easy to compare insurance prices but the time it takes to visit several different sites and type in the same information is monotonous and tiresome. But it’s very important to have as many quotes as possible if you want to get the lowest car insurance rates.

The easy way to compare rates

The easiest way to compare rates utilizes a single form to obtain quotes from many companies. It’s a real time-saver, requires less work, and makes price shopping online much easier. Once the form is submitted, it is rated and you can select your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process takes just a few minutes to complete and may save quite a bit of money.

If you want to fill out one form to compare multiple rates now, click here and fill out the form. If you currently have coverage, we recommend that you enter coverages and limits as close as possible to your current policy. This helps ensure you will have comparison quotes based on similar coverages.

Car insurance companies are expert advertisers

Big name companies like State Farm, GEICO and Progressive endlessly run ads in print and on television. All the ads seem to make the promise that people will save just by switching to them. Is it even possible that every company can charge less that you’re paying now? You have to listen carefully.

Many companies give the best rates for the type of customer that is profitable for them. One example of a desirable insured might be a mature driver, has had continuous coverage, and insures a new vehicle. A propective insured that matches those criteria will get the preferred auto insurance rates and have a good chance to save some money.

Potential customers who don’t meet the ideal profile will probably have to pay a higher premium which leads to the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can confidently make those statements.

This really drives home the point why you need to compare free insurance coverage quotes often. Because without a comparison, you cannot know the company that will have the best premium rates at this point in time.

Four tips to get cheap insurance rates

Multiple criteria are part of the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but others are less obvious such as your credit history and annual miles driven.

The itemized list below are some of the items utilized by car insurance companies to help set your rate level.

  • Safer vehicles can affect premiums – Owning a car that has a built-in theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your vehicle from being stolen.
  • Defend yourself with liability protection – The liability coverage on your policy will provide protection in the event that you are found to be at fault for damages caused by your negligence. It will provide legal defense coverage to defend your case. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Higher premiums for insurance coverage lapses – Not having insurance is not a good idea and you will pay a penalty because you let your insurance lapse for non-payment. And not only will your rates increase, the inability to provide proof of insurance could earn you a steep fine or even jail time. Then you may be required to file a SR-22 with your state department of motor vehicles.
  • Keep insurance coverage rates low by being claim-free – If you file claims often, you can expect either higher rates or even cancellation. Insurance companies give the lowest premiums to insureds who file claims infrequently. Your car insurance is designed for the large, substantial claims.

Get cheaper rates with these discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not even know about. A few discounts will automatically apply when you purchase, but once in a while a discount must be specially asked for before you get the savings.

  • Telematics Devices – Insureds who allow data collection to scrutinize driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.
  • Bundled Policy Discount – If you combine your auto and homeowners policies with the same company you may earn as much as 10 to 15 percent.
  • Multiple Cars – Drivers who insure all your vehicles with the same company can get a discount for every vehicle.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could qualify for better rates on cars that stay parked.
  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see insurance companies with discount auto insurance rates, click here to view.

Car insurance can be complex

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining if your situation might need an agent’s assistance.

  • What are the best liability limits?
  • Are my friends covered when driving my 2002 Dodge Dakota?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is covered by UM/UIM coverage?
  • How can I get high-risk coverage after a DUI?
  • Am I insured when driving a different vehicle?
  • Should I buy only the required minimum liability coverage?
  • What companies insure drivers after a DUI or DWI?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those 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

Specific coverages for a 2002 Dodge Dakota

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Collision protection

Collision insurance covers damage to your Dakota from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, sustaining damage from a pot hole, hitting a mailbox, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, damage from flooding and hitting a bird. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Dodge Dakota.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

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. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as court costs, repair bills for other people’s vehicles, bail bonds, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for EMT expenses, surgery, prosthetic devices and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Keep this in mind

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your objective should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

Low-cost 2002 Dodge Dakota insurance can be purchased on the web and from local agencies, so you should compare both in order to have the best chance of saving money. Some insurance providers may not provide internet price quotes and these smaller providers provide coverage only through local independent agents.

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