1995 Dodge Dakota Car Insurance Rates

Trying to find cheaper auto insurance rates for your Dodge Dakota? I can’t think of anyone who rejoices having to buy auto insurance, especially when they are paying too much. Companies like Allstate, Liberty Mutual and State Farm constantly blast consumers with ad campaigns and it is challenging if not impossible to separate fact from fiction and find the best price available.

Informed consumers know how to quote insurance coverage cheaper

Consumers need to have an understanding of some of the factors that help determine your premiums. If you understand what influences your rates, this helps enable you to make changes that could result in much lower annual insurance costs.

  • Save money by eliminating extra policy coverages – Policies have additional extra coverages that sound like a good idea at the time if you don’t pay attention. Things like roadside assistance, accident forgiveness, and Farm Bureau memberships may be costing you every month. They may seem good when discussing your needs, but your needs may have changed so eliminate them to save money.
  • A good credit rating can save money – Having a bad credit score is a big factor in calculating your insurance coverage rates. Insureds that have very good credit scores tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit history can use some improvement, you could be paying less to insure your 1995 Dodge Dakota by repairing your credit.
  • Don’t abuse insurance claims – Insurance companies give most affordable rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is designed for claims that you cannot pay yourself.
  • Bundle and save – Most major insurers afford lower prices for people that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s still a good idea to shop around to guarantee you are still saving the most. It’s possible to still save more without the discount by buying insurance from more than one company.

Discount car insurance rates

Companies that sell car insurance don’t always list all their discounts very clearly, so we break down a few of the more well known and also the lesser-known car insurance savings.

  • ABS Brakes – Vehicles that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
  • Driver Training Discounts – Taking a defensive driver class may get you a small discount and easily recoup the cost of the course.
  • Military Rewards – Having a deployed family member could mean lower car insurance rates.
  • Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates for Dakota coverage than less cautious drivers.
  • Accident Free – Drivers who don’t have accidents can earn big discounts in comparison with bad drivers.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can save you some money since newer models have better safety ratings.
  • Sign Online – Certain larger companies will give a small break simply for signing on their website.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving could save 15% on the medical payments or PIP coverage costs.

As is typical with insurance, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

Popular car insurance companies and a summarized list of policyholder discounts are outlined below.

  • AAA may have discounts that include multi-policy, AAA membership discount, good student, pay-in-full, multi-car, and good driver.
  • Progressive discounts include online signing, homeowner, continuous coverage, online quote discount, good student, multi-policy, and multi-vehicle.
  • State Farm may include discounts for multiple policy, passive restraint, good driver, multiple autos, Steer Clear safe driver discount, and safe vehicle.
  • Esurance offers premium reductions for multi-policy, defensive driver, safety device, Pac-12 alumni, and homeowner.
  • Nationwide offers discounts for accident-free, Farm Bureau membership, good student, defensive driving, and multi-policy.

If you are trying to find inexpensive insurance quotes, ask each company the best way to save money. Some of the earlier mentioned discounts may not apply in every state. To find insurers with discount rates, click this link.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions could help you determine whether or not you could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Does coverage extend to Mexico or Canada?
  • Will my rates increase for filing one claim?
  • Should I put collision coverage on all my vehicles?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I carry comprehensive and collision coverage?
  • Should I buy only the required minimum liability coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need rental car coverage?
  • Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hail damage, hitting a bird, falling objects and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, hitting a mailbox, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverages – This coverage protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, structural damage, legal defense fees, emergency aid and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses such as prosthetic devices, X-ray expenses, dental work, chiropractic care and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 1995 Dodge Dakota.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Knowledge is power

We just presented a lot of ways to compare 1995 Dodge Dakota insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest insurance. You may even discover the lowest prices come from an unexpected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

Cheaper auto insurance is possible both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not provide the ability to get quotes online and these small insurance companies sell through independent agents.

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut liability limits or collision coverage only to regret that the small savings ended up costing them much more. The goal is to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

For more information, feel free to visit the following helpful articles:

Comments About 1995 Dodge Dakota Insurance

  1. Isadora Knight

    Lots of useful info here. I live on the north side of Little Rock, AR. I quoted with 21st Century, Encompass, and The General for my Dakota and saved $110 a year. I get multi-vehicle and multi-policy discounts.

  2. Diana Good

    Why are claims settled so low?

  3. Bee Flores

    I’ve bought from Progressive forever. Cheapest rates in Rochester, NY.

  4. Noma Robinson

    I live on the north side of Eugene, Oregon and for me GEICO had the lowest quote. Was with Mercury. Wish I didn’t have to insure at all. I don’t insure for physical damage though.

  5. Tressa Mcgee

    Mine is so expensive. I’m in the west part of Boston, MA. Can’t remember who all I quoted but I ended up saving about $20 each month. Was with Eastwood. Not sure if rates are cheaper online or not. Anyone else drop full coverage?

  6. Bailey Rasmussen

    Like your site, BTW. I live just to the west of Burlington, VT. Got car insurance prices from Allstate, The General, and Eastwood for my Dakota and saved just over $90 a year. Even increased my liability limits. Hardly afford to drive anymore.

  7. Lavern Anthony

    Nice post. Went with Amica for my 1995 Dodge Dakota and cut my rates about $80 a year. Was with Auto-Owners. You can get a rate quote online.

  8. Cathern Pickett

    I’m in Parkersburg, West Virginia, and GEICO rates were affordable. Even increased my liability limits.