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Dodge Dakota Insurance Cost

Buying auto insurance from online rate quotes is easy and there is a good chance you will probably save money. The key is to compare rates from as many companies as possible so you can get the lowest rate quotes.

People who are new to shopping for insurance may think buying cut-rate Dakota insurance is more work than they want to put in. Lowering your Dakota insurance rates doesn't have to be difficult. You just need to take a few minutes comparing rates from different insurance companies. This can be accomplished by completing this short form.

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Insurance rates for your Dodge Dakota will vary greatly based upon several criteria. Some of these factors include:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • Safety rating of your Dakota
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Whether you own your home

One last important factor that helps determine the rate you pay on your Dodge is the year of manufacture. New vehicles cost more so repair costs are higher which will push premiums up. Although more recent Dodge vehicles may have options included like pedestrian detection, tire pressure monitors, and autonomous braking so those may give discounted rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle below.

Liability insurance

Liability insurance will cover damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your Dodge resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper Dakota insurance cost.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Dodge Dakota Insurance Rates?