2008 Dodge Dakota Car Insurance Rates

Do you get exhausted from not being able to scrape enough together to pay your car insurance bill each month? Your situation is no different than most other vehicle owners. Vehicle owners have so many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, more choices can make it harder to adequately compare rates.

It’s a great practice to compare prices before your policy renews because prices tend to go up over time. Even if you think you had the lowest rate for Dakota coverage two years ago there may be better deals available now. There are lots of tips to save on car insurance on the internet, but we’re going to give you a bunch of ideas how to find cheap car insurance.

First Step: Get free car insurance quotes

There are multiple methods you can shop for car insurance but some are more efficient than others. You could waste time discussing policy coverages with insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Most major companies belong to a marketplace where prospective buyers submit their information once, and each company then returns a price quote based on that data. This system prevents you from having to do quote requests for each company you want a rate for. To use this form to compare rates click here (opens in new window).

The one disadvantage to pricing coverage this way is you don’t know exactly the companies you want to price. If you would rather choose specific providers to compare prices, we have a page of companies who write car insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just compare apples-to-apples coverages for every company. If the quotes have different limits and deductibles on each one it’s not possible to determine the best price for your Dodge Dakota.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • Do I need an umbrella policy?
  • Do I have newly-aquired coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does coverage extend to Mexico or Canada?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are my friends covered when driving my car?
  • How much underlying liability do I need for an umbrella policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverages for a Dodge Dakota

Knowing the specifics of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Collision coverage protection

This coverage will pay to fix damage to your Dakota resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, scraping a guard rail, crashing into a ditch, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for ambulance fees, EMT expenses, nursing services, pain medications and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, theft, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your 2008 Dodge Dakota.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.


This coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.