How Much Does 1999 Dodge Dakota Insurance Cost?

Purchasing low-cost auto insurance online is problematic for consumers new to comparing rates online. When there are so many online companies available, how can consumers effectively compare every one to find the best available price?

You need to get comparison quotes once or twice a year due to the fact that insurance rates go up and down regularly. Even if you got the lowest rates on Dakota coverage last year there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to find out the fastest way to reduce your cost while improving coverage.

How to Lower Your Auto Insurance Cost

There are multiple methods to compare 1999 Dodge Dakota auto insurance prices but there is one way that is more efficient than others. You can waste hours talking to insurance companies in your area, or you could use online quotes to get prices fast.

Many insurance companies take part in a program where insurance shoppers enter their coverage request one time, and at least one company provides a quote for coverage. This prevents consumers from doing quotation requests for each company you want a rate for. To find out how much you can save on auto insurance click here to start a free quote.

The only downside to using this type of system is that you can’t choose which providers you will receive quotes from. So if you want to select specific insurance companies to compare, we have a page of companies who write auto insurance in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare apples-to-apples coverage limits for each price quote. If you use different values for each quote then you won’t be able to determine the best price for your Dodge Dakota. Having just a slight variation in coverage limits can result in a big premium difference. Just keep in mind that comparing a large number of companies will enable you to find better pricing.

Don’t overlook these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but some may not be applied and must be asked for before you get the savings.

  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Homeowners Savings – Simply owning a home can help you save on car insurance because maintaining a house requires personal responsibility.
  • Drivers Education – Have your child enroll in driver’s education in school.
  • Memberships – Being a member of a civic or occupational organization could qualify you for a break on car insurance on Dakota coverage.
  • Defensive Driving Course – Completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut your premiums.

Companies that may offer these money-saving discounts are:

Check with each company what discounts are available to you. Some discounts might not apply everywhere.

Is my situation unique?

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

For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • Will my rates increase for filing one claim?
  • Does coverage extend to my business vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • What is UM/UIM insurance?
  • Where can I find high-risk insurance?
  • How much underlying liability do I need for an umbrella policy?
  • What is high-risk coverage and where do I buy it?
  • What discounts do I qualify for?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

These factors can influence what you pay for Dodge Dakota insurance

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. Knowing what impacts premium levels enables informed choices that could result in lower auto insurance prices.

The following are a few of the “ingredients” auto insurance companies consider when setting premiums.

  • Your spouse saves you money – Having a wife or husband can get you a discount on your auto insurance policy. Marriage means you’re more responsible and it’s proven that married couples file fewer claims.
  • Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Dodge scored better than four stars on or an “acceptable” rating on you may qualify for a discount.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. They both have accidents at a similar rate, but the males tend to have more serious accidents. They also receive more costly citations like DUI and reckless driving.
  • Older drivers pay less – Teen drivers are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Multiple policies with one company can save – Many companies will award you with lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to comparison shop to verify if the discount is saving money. You may still find a better deal by insuring with multiple companies.
  • High numbers of claims are not good – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance companies generally give discounts to drivers who do not file claims often. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Save $458 a year? Really?

Allstate and Progressive regularly use ads on TV and radio. All the companies make an identical promise that you can save if you move to them. How can each company claim to save you money?

All the different companies are able to cherry pick for the type of driver that makes them money. A good example of a desirable insured might be profiled as between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A propective insured who fits that profile gets the lowest rates and therefore will cut their rates substantially.

Potential insureds who do not match these standards must pay higher premiums which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully make those claims.

This illustrates why it’s extremely important to get quotes from several different companies. Because you never know which insurance companies will have the lowest Dodge Dakota insurance rates.

What insurance coverages do you need?

Learning about specific coverages of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

This coverage covers damage to your Dakota resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, driving through your garage door, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage, hitting a bird, damage from a tornado or hurricane and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

This will cover injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as attorney fees, legal defense fees, loss of income, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense coverage

Med pay and PIP coverage pay for expenses such as nursing services, X-ray expenses, prosthetic devices, rehabilitation expenses and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.

Make an honest buck

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. In too many instances, someone dropped liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Insureds who switch companies do it for a variety of reasons including policy non-renewal, lack of trust in their agent, poor customer service or not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is actually quite simple.

In this article, we covered many ideas to reduce 1999 Dodge Dakota insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.

Additional detailed information is located at these sites: