View 1991 Dodge Dakota Car Insurance Rates

Trying to find lower auto insurance rates for your Dodge Dakota? Are you regretting buying an underperforming, overpriced auto insurance policy? It’s a common feeling and there are many people just like you. Due to the abundance of insurance companies to choose from, it’s nearly impossible to find the right insurance company.

You should make it a habit to do price comparisons every six months due to the fact that insurance prices change quite often. Despite the fact that you may have had the lowest quotes for Dakota coverage a few years ago other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to find great coverage at a great price.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. Consumers only need an understanding of the best way to shop online.

The best way to compare policy rates is to realize most larger insurance companies pay for the opportunity to give you rate quotes. To begin a comparison, all you need to do is give them rating details including if you have an active license, the ages of drivers, if the vehicle is leased, and how much coverage you want. Your information gets sent immediately to insurance companies and they return quotes with very little delay.

Use discounts on insurance

Car insurance companies do not list every discount very clearly, so the list below gives a summary of both well-publicized and also the lesser-known discounts that you may qualify for.

  • Telematics Discount – Insureds who allow driving data submission to spy on vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • E-sign Discounts</strong – Some of the larger companies give back up to $50 shop insurance coverage online.
  • Government Employees – Simply working for the federal government may qualify for a discount when you quote insurance coverage for Dakota coverage with certain companies.
  • Low Mileage – Fewer annual miles on your Dodge could qualify for better premium rates on cars that stay parked.
  • Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts as compared to bad drivers.
  • Renewal Discounts – Some insurance companies reward drivers for switching companies before your current expiration date. Ten percent is about the average savings.
  • Professional Organizations – Being in qualifying employment or professional organizations could qualify you for a break on your bill.

As a sidenote, some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.

To find insurance companies that offer some of these discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Do I need more liability coverage?
  • What is no-fault insurance?
  • Am I covered if hit by an uninsured driver?
  • I have health insurance so do I need medical payments coverage?
  • Should I bundle my homeowners policy with my auto?
  • Should I put collision coverage on all my vehicles?
  • Is my teen driver covered when they drive my company car?
  • What can I do if my company won’t pay a claim?
  • When can I cancel my policy?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Specific coverage details

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average auto insurance policy.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, nursing services, dental work, ambulance fees and pain medications. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, damage from flooding and rock chips in glass. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.


This protects you from damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, pain and suffering, funeral expenses and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage 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 coverage protects against claims such as hitting a parking meter, crashing into a building, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Dakota.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comments About 1991 Dodge Dakota Insurance

  1. Danielle Hess

    All companies are crooks. Proud to be from Grand Rapids, MI. Don’t remember every company but I ended up saving about $20 each month. Was with Allstate.

  2. Danuta Heath

    Anyone compare GEICO and Allstate rates in Salem, Oregon?

  3. Quiana Mullen

    I’m in the north part of San Diego, California. Got car insurance quotes from State Farm, AIG Insurance, Encompass, and GMAC for my 1991 Dodge Dakota and saved $72 a year. Was with MetLife.

  4. Daisey Dyer

    Cheap is not always the best policy. Checking in from Mobile, Alabama. I got free quotes with GEICO, Auto-Owners, and Encompass for my 1991 Dodge Dakota and I think I am saving around $30 each month. Not sure about claim service.

  5. Peggie Hernandez

    IMHO Augusta, Georgia seems to have good rates from State Farm.

  6. Johanna Burt

    I’ve bought from Allstate forever. Cheapest rates in North Charleston, SC.

  7. Claretha Lloyd

    If you don’t have tickets and live in the vicinity of Shreveport, LA, check out Progressive. You might save some money. Was with GMAC. I only have liability coverage on it.

  8. Sadie Collier

    In Hartford, CT, Amica had the best rates for my 1991 Dodge Dakota. Good savings if you bundle. It never hurts to quote around. It’s too old for full coverage.

  9. Imelda Frye

    If you’re a decent driver and are close to Billings, MT, check out Allstate. I saved quite a bit. Might find lower rates online. Not worth enough to pay for comprehensive and collision.

  10. Whitney Solomon

    From a town just southwest of Milwaukee, WI. Checked online prices for a 1991 Dodge Dakota. Ended up at about $80 savings annually. Went with Allstate. Left Encompass to switch.

  11. Annette Schwartz

    Live in the northern part of Honolulu, HI. Got quotes with AIG Insurance, MetLife, and a few others for my Dakota and saved around $60 a year.

  12. Kimberli Parker

    From east side of Overland Park, Kansas. Can’t remember who all I quoted but I ended up saving about $20 each month.