How Much Does 1994 Dodge Dakota Insurance Cost?

Nobody gets a kick out of paying for auto insurance, in particular when their premiums are through the roof.

Many insurers compete to insure your vehicles, so it can be very hard to choose a company to find the lowest rate possible.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Buying car insurance is easy if you know what you’re doing. Nevertheless, drivers need to learn the way companies price online insurance.

Affordable insurance quotes with discounts

Some insurers don’t always list all available discounts very clearly, so we took the time to find both the well known in addition to some of the lesser obvious insurance savings.

  • Early Signing – A few larger companies give discounts for switching policies early. It’s a savings of about 10%.
  • Telematics Discount – Drivers who agree to allow companies to track when and where they use their vehicle by using a telematic data system such as State Farm’s In-Drive may get a rate reduction if they have good driving habits.
  • Organization Discounts – Joining qualifying employment or professional organizations could trigger savings on your next insurance statement.
  • Paperless Signup – A handful of companies will give you a small discount shop insurance over the internet.
  • Senior Citizen Discount – Mature drivers may qualify for a small decrease in premiums on Dakota insurance.

You can save money using discounts, but many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Larger insurance companies and some of the premium reductions they offer are:

  • State Farm offers discounts including Steer Clear safe driver discount, good driver, accident-free, multiple autos, multiple policy, and driver’s education.
  • Nationwide offers premium reductions for anti-theft, Farm Bureau membership, good student, easy pay, accident-free, and multi-policy.
  • GEICO may offer discounts for multi-vehicle, emergency military deployment, federal employee, defensive driver, driver training, membership and employees, and anti-lock brakes.
  • AAA has discounts for good driver, education and occupation, pay-in-full, anti-theft, AAA membership discount, good student, and multi-car.
  • 21st Century policyholders can earn discounts including anti-lock brakes, air bags, theft prevention, homeowners, 55 and older, driver training, and good student.
  • The Hartford may include discounts for air bag, anti-theft, vehicle fuel type, bundle, driver training, good student, and defensive driver.

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts might not be offered on policies in your area. To see a list of insurance companies who offer insurance discounts, click here to view.

Tailor your car insurance coverage to you

When buying adequate coverage, there really is no perfect coverage plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • Can I rent a car in Mexico?
  • How can I find cheaper teen driver insurance?
  • What is PIP insurance?
  • Does car insurance cover theft of personal property?
  • Do I have coverage for damage caused while driving under the influence?
  • What is medical payments coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my insurance cover a custom paint job?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages explained

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills such as surgery, X-ray expenses, EMT expenses and pain medications. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Dakota.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, a tree branch falling on your vehicle and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance – This will cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $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 claims like structural damage, court costs, loss of income, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage – This covers damage to your Dakota resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, crashing into a building, hitting a mailbox, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

In the end, you save

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to find out that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Discount 1994 Dodge Dakota insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not offer online rate quotes and usually these regional insurance providers sell through independent insurance agents.

You just read a lot of ways to get a better price on 1994 Dodge Dakota insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding cheaper insurance. You may even discover the biggest savings come from an unexpected company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

Additional detailed information is located in these articles:

Comments About 1994 Dodge Dakota Insurance

  1. Velvet Gay

    I chose to switch to 21st Century from American Family. I live in Rutland, VT. Left Farmers to switch. Online quotes are the way to go.

  2. Leonarda Rocha

    Progressive quoted the best rates in Florida.

  3. Lavada Hebert

    From northwest of Fairbanks, AK. I quoted with State Farm, Erie, and GMAC for my Dakota and I think I saved about $30 each month. Insured with American Family before. Switched homeowners coverage too.

  4. Santos Gonzales

    Can I get replacement cost coverage for a 1994 Dodge Dakota?

  5. Clyde Barrett

    Cheaper car insurance is a myth. I live in a small town just outside of Reno, NV. Quoted rates from Travelers, AAA, Hartford, and MetLife for my Dakota and saved just over $60 a year. My Dakota doesn’t have full coverage.

  6. Armanda Collins

    It’s all a rip off. I’m from Minneapolis, MN. Quoted with Travelers, AAA, GMAC, and Nationwide for my 1994 Dodge Dakota and I’m now saving $15 a month. I used their website to get prices.

  7. Ena Tyson

    Is Allstate cheap in Newark, New Jersey?

  8. Tony Levy

    If you have a clean record and live in the vicinity of Birmingham, AL, check out Allstate. They seem to be cheaper. I don’t insure for physical damage though.

  9. Rosella Wilson

    I’m in the south part of Shreveport, LA and for me 21st Century had the lowest quote. Even increased my liability limits. Bought it from an online quote. Anyone else drop full coverage?

  10. Hope Hicks

    I live in South Burlington, Vermont. Quoted prices online for a 1994 Dodge Dakota. Ended up at about $120 savings annually. Went with Progressive. Moved home policy as well. :P I dropped full coverage awhile back.

  11. Karri Mack

    Does State Farm offer new car replacement?

  12. Deb Sparks

    From a town just southwest of Birmingham, Alabama. Quoted prices from Auto-Owners, Eastwood, and Safeco for my Dodge and saved about $60 a year. Have a couple speeding tickets too. I got prices on the web. I just carry liability insurance.

  13. Wm Meyer

    Will GEICO raise rates after an accident?

  14. Israel Wheeler

    If you don’t have tickets and live near Milwaukee, WI, check out Allstate. You might save some money. Might find lower rates online.

  15. Tamala Bauer

    I chose to switch to Allstate from AAA. I live in Memphis, TN. Good multi-policy discounts. Liability only on my Dodge.

  16. Philip Cline

    If you have a clean record and are close to Owensboro, KY, check out Progressive. They seem to be cheaper. Was with Liberty Mutual. Hopefully won’t need it. LOL

  17. Terrilyn Lang

    Nice post. I live on the north side of Mesa, AZ. Compared rates from a lot of places. Saved roughly $30 a month. Progressive was the cheapest for me. Left USAA to switch. Just waiting to see how claims go. Book value doesn’t justify full coverage anymore.

  18. Loralee Key

    If you’re a decent driver and live in the vicinity of Overland Park, Kansas, check out 21st Century. They seem to be cheaper. Was with MetLife. Hardly afford to drive anymore. It’s too old for full coverage.

  19. Hassan Berger

    Great site. I’m in the suburbs of Atlanta, Georgia. I quoted with Western Auto Insurance, AIG Insurance, GMAC, and Sentry for my Dodge and saved about $100 a year. Have a couple speeding tickets too. I don’t put full coverage on it.