Cheap 1991 Dodge Dakota Car Insurance Cost

Want the cheapest car insurance rates for your Dodge Dakota? Have you had enough of not being able to afford to insure your Dodge every month? You are no different than many other drivers. Insurance companies such as State Farm, Progressive and Geico continually hit you with TV and radio ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Smart consumers take time to check car insurance prices every six months because prices tend to go up over time. If you had the best deal for Dakota insurance a year ago a different company probably has better rates today. There is a lot of bad information regarding car insurance online but by reading this article, you’re going to learn a lot of great tips on how to buy car insurance cheaper.

Save with discounts on Dodge Dakota insurance

Auto insurance companies don’t necessarily list all their discounts in an easy-to-find place, so here is a list some of the more common as well as the least known ways to save on insurance. If they aren’t giving you every credit possible, you are throwing money away.

  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Dakota insurance with a few insurance companies.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Student in College – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
  • Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Sign Online – A handful of insurance companies will give a small break just for signing your application online.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Dakota insurance than their less cautious counterparts.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

Keep in mind that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A partial list of companies that may have some of the above discounts are:

It’s a good idea to ask each insurance company which discounts they offer. Discounts might not be offered in every state.

Fast and Easy Auto Insurance Quotes

There are a lot of ways to shop for auto insurance, but one way is more efficient than others. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

Most of the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and each company then returns a price quote based on that information. This prevents consumers from doing quotation requests to each company.

To compare pricing click to open in new window.

The single downside to doing it this way is you are unable to specify which providers to get pricing from. So if you prefer to choose specific insurance companies to request quotes from, we have a page of companies who write auto insurance in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverage information for each price quote. If you enter unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Dodge Dakota rates are complex

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with big savings.

The list below includes some of the factors used by your company to calculate rates.

  • Multi-policy discounts can save money – Many car insurance companies provide better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal.
  • More claims means more premium – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies give lower rates to drivers who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes are in accidents in similar numbers, but the males tend to have more serious accidents. They also have more aggressive citations such as reckless driving.
  • Your car insurance rates can be influenced by your job – Occupations like real estate brokers, architects and dentists are shown to have the highest average rates attributed to high stress and long work days. Other occupations such as pilots, historians and the unemployed pay the least for Dakota insurance.
  • Having a spouse can save you money – Being married can get you a discount when buying car insurance. Having a significant other is viewed as being more responsible it has been statistically shown that married couples file fewer claims.
  • Protect your assets with liability insurance – Liability coverage is the coverage that protects you in the event that you are found to be at fault for damages caused by your negligence. It will provide you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Where you live – Being located in a small town has it’s advantages when talking about car insurance. Fewer drivers means a lower chance of having an accident. Drivers who live in large cities have congested traffic and much longer commute distances. More time commuting can result in more accidents.

Tailor your coverage to you

When buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • Do I need replacement cost coverage?
  • Do I need replacement cost coverage on my 1991 Dodge Dakota?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Which companies will insure high-risk drivers?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 1991 Dodge Dakota?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need motorclub coverage?
  • Can my babysitter drive my car?
  • Who is covered by my policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Can you really save $493 a year?

Consumers get pounded daily by advertisements for car insurance savings by State Farm and Allstate. They all seem to say the same thing that you’ll save big after switching to their company.

How do they all claim to save you money? It’s all in the numbers.

Different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a driver they prefer could possibly be between 30 and 50, a clean driving record, and has excellent credit. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t meet the “perfect” profile will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can make the claims of big savings. Because of the profiling, drivers should get quotes from several different companies. Because you never know which car insurance company will provide you with the cheapest Dodge Dakota insurance rates.

Learn about auto insurance coverages for a Dodge Dakota

Having a good grasp of auto insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Auto collision coverage

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

Collision can pay for claims like colliding with a tree, rolling your car, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1991 Dodge Dakota.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, EMT expenses, doctor visits, surgery and ambulance fees. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, hitting a deer, falling objects, damage from flooding and a broken windshield. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.


Liability coverage can cover damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like attorney fees, bail bonds, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Have the Midas touch

Affordable 1991 Dodge Dakota insurance is available both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced liability limits or collision coverage only to discover later that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

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