Cheap 1996 Dodge Dakota Car Insurance Cost

Expensive Dodge Dakota insurance can sap your bank account and make it impossible to make ends meet. You have multiple insurers to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to find the best rates for your vehicles.

Locating the lowest cost insurance is easy if you know what you’re doing. If you have insurance now or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. Drivers just need to know the most effective way to compare prices online.

Lower rates by qualifying for discounts

Auto insurance is not cheap nor is it fun to buy but you can get discounts that you may not even know about. Many of these discounts will be applied automatically when you purchase, but a few must be manually applied before being credited.

  • Driver Training Discounts – Passing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Onboard Data Collection – People who choose to allow their company to scrutinize when and where they use their vehicle through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.
  • Bundled Policy Discount – If you insure your home and vehicles with one insurance company you could save up to 20% off your total premium.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
  • Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
  • Active Service Discounts – Being on active duty in the military could mean lower premium rates.
  • Waiver for an Accident – but a few companies such as Libery Mutual, GEICO and Allstate may permit one accident before hitting you with a surcharge if you have no claims for a specific time period.
  • Club Memberships – Participating in qualifying employment or professional organizations is a simple method to lower premiums when shopping for auto insurance.

Drivers should understand that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

A list of auto insurance companies and their possible discounts are included below.

  • 21st Century offers discounts including defensive driver, 55 and older, theft prevention, teen driver, driver training, early bird, and anti-lock brakes.
  • State Farm discounts include anti-theft, Steer Clear safe driver discount, good driver, Drive Safe & Save, and multiple policy.
  • AAA includes discounts for anti-theft, good student, multi-policy, AAA membership discount, good driver, pay-in-full, and education and occupation.
  • Liberty Mutual offers discounts for exclusive group savings, multi-policy, good student, new vehicle discount, new graduate, and hybrid vehicle.
  • Progressive may offer discounts for multi-vehicle, online quote discount, online signing, good student, continuous coverage, multi-policy, and homeowner.

If you need the cheapest insurance coverage quotes, ask all the companies which credits you are entitled to. A few discounts might not be offered on policies in your area.

Buy auto insurance online

All the larger auto insurance companies provide prices online. Obtaining pricing can be done by anyone as you simply enter the coverages you want into the form. Upon sending the form, the company’s rating system makes automated requests for your credit score and driving record and gives you a price quote based on many factors. Being able to quote online makes it simple to compare prices but the process of having to visit many different websites and fill out multiple forms can be a bit repetitive. But it is imperative to get many rate quotes in order to get the lowest price.

Isn’t there an easier way to compare rates?

The preferred way to lower your auto insurance bill makes use of a single form that gets prices from multiple companies. This type of form saves time, eliminates form submissions, and makes rate comparisons a lot less work. Immediately after submitting the form, it gets priced and you can choose your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To save time and get comparison pricing now, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend that you enter coverages and limits identical to your current policy. This way, you will receive rate quotes based on identical coverages.

Insurance coverage is unique, just like you

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Is my teenager covered with friends in the car?
  • Can my babysitter drive my car?
  • Does insurance cover tools stolen from my truck?
  • Does coverage extend to Mexico or Canada?
  • Is motorclub coverage worth it?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as rehabilitation expenses, pain medications and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like bail bonds, attorney fees, structural damage, emergency aid and medical expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Dodge Dakota.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hitting a bird, damage from a tornado or hurricane and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This coverage covers damage to your Dakota from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Quote more, save more

In this article, we presented a lot of information how to shop for 1996 Dodge Dakota insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best prices are with a small local company. They often have lower rates on specific markets compared to the large companies like Allstate or State Farm.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at the best possible price while still protecting your assets.

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Comments About 1996 Dodge Dakota Insurance

  1. Alysha Fernandez

    If you’re a decent driver and live in the vicinity of Fort Smith, AR, check out 21st Century. I saved quite a bit. Insured with Encompass before. I just carry liability insurance.

  2. Summer Nguyen

    Will GEICO give a discount for driver training?

  3. Horace Dennis

    Located in Green Bay, WI. Received rates from Allstate, Auto-Owners, and some I forget for my Dakota and saved $73 a year. Teenage drivers are expensive! Anyone else drop full coverage?

  4. Dimple Mercer

    In Boston, Massachusetts, 21st Century auto insurance rates for my 1996 Dodge Dakota were good. Insured with Allstate before. I have kids on my policy, too. You can get a rate quote online. I only have liability coverage on it.

  5. Gregoria Sampson

    I live south of Columbia, South Carolina. Got car insurance prices from Western Auto Insurance, AAA, Liberty Mutual, and MetLife for my Dodge and saved $68 a year. I think I’ll get rid of full coverage next time.

  6. Alanna Castaneda

    Quoted with AAA for my Dakota and saved around $100 a year. Left Eastwood to switch. Wish I didn’t have to insure at all.

  7. Georgetta Newman

    I’m in Aberdeen, South Dakota and need high risk coverage. Help!

  8. Maple Dorsey

    Here’s my info. I’m from Idaho Falls, Idaho. Got car insurance quotes with 21st Century, AIG Insurance, Erie, and GMAC for my 1996 Dodge Dakota and I think I saved around $20 each month. Thankfully I have a good driving record.

  9. Rema Blair

    Checking in from Jackson, Mississippi. Can’t remember who all I quoted but I ended up saving about $30 each month. :P I don’t have comp or collision coverage.

  10. Tiffanie Doyle

    I’m in the south part of Hilo, HI. Went online for free insurance quotes for a 1996 Dodge Dakota. Ended up at about $80 savings annually. Went with Allstate. I even had a DUI years ago. LOL

  11. Norah Bowman

    GEICO is decent in Madison, WI.

  12. Kemberly Whitfield

    Good detail in your article. I’m in the south part of Boston, MA. Got free quotes online for a 1996 Dodge Dakota. Ended up at about $90 savings annually. Went with Allstate. When should I drop full coverage?

  13. Celina Cantu

    Cheap is relative. I live in Dover, DE. Compared quite a few companies. Saved darn near $30 a month. GEICO was the most affordable for me. Ask about discounts. It’s easy to compare rates online now. Only insure liability on my Dakota.