1996 Dodge Dakota Car Insurance Cost – 7 Tips for Cheapest Prices

Looking for lower car insurance rates for your Dodge Dakota? Overwhelmed by the crazy number of car insurance choices? Many other consumers are too. There are so many options available that it can turn into a lot of work to compare prices.

You should make it a habit to compare rates every six months since insurance rates are adjusted regularly by insurance companies. If you had the best deal for Dakota insurance a year ago there may be better deals available now. There is a lot of bad information regarding car insurance on the internet, so by reading this article, you’re going to learn the best ways to slash your car insurance rates.

Pay less by taking advantage of these seven discounts

Auto insurance companies do not list all their discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known discounts you could be receiving.

  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% for Dakota insurance.
  • Distant Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Dakota insurance than drivers with accident claims.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of more than 20%.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you’re out of luck.

Companies that possibly offer these discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Discounts might not be offered everywhere.

Comparison of Insurance Coverage

All major insurance coverage companies like Allstate and Progressive provide coverage prices online. Getting online quotes doesn’t take a lot of time as you simply type in your personal and coverage information as detailed in the form. After you complete the form, the company’s rating system automatically orders reports for credit and driving violations and generates pricing information determined by many factors.

This simplifies rate comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you are searching for a lower rate.

The smarter way to lower your insurance coverage bill is to use a quote form to return rates from several different companies. It saves time, reduces the work, and makes online shopping much more enjoyable and efficient. After your information is entered, it is rated and you are able to buy any of the quote results. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process takes just a few minutes to complete and may result in a nice savings.

To compare rates using this form now, click here and submit your coverage information. If you have coverage now, it’s recommended you duplicate the coverage information identical to your current policy. This guarantees you will have rate quotes for similar insurance coverage.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • When should I remove comp and collision on my 1996 Dodge Dakota?
  • How much liability coverage do I need in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need more liability coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for things like funeral costs, X-ray expenses and surgery. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass, falling objects and hitting a deer. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

This coverage protects you from damages or injuries you inflict on people or other property. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, medical services, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Dakota caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, crashing into a building, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

One last thing

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice liability coverage limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price.

We just presented some good ideas how to shop for 1996 Dodge Dakota insurance online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from some of the lesser-known companies.

People who switch companies do it for many reasons like delays in responding to claim requests, not issuing a premium refund, lack of trust in their agent or delays in paying claims. Regardless of your reason for switching companies, switching companies is easier than you think.

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