1997 Dodge Dakota Car Insurance Quotes

Beginners to comparing auto insurance rates on the web are likely to discover purchasing cheaper insurance is not as easy as it seems.

It is always a good idea to check insurance coverage prices before your policy renews because prices fluctuate regularly. If you had the best quotes on Dakota coverage two years ago there is a good chance you can find better rates now. You can find a lot of wrong information about insurance coverage out there, but we’re going to give you some great ways to lower your insurance coverage bill.

This information will let you in on how car insurance quotes work. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But vehicle owners benefit from understanding how big insurance companies sell insurance online and use this information to your advantage.

Free insurance rate quotes

There are a variety of methods to compare insurance prices but some are less time-consuming than others. You can spend your afternoon driving to local insurance agents in your area, or you could use the internet to achieve your goal.

Many popular insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions for each company.

To participate in this free quote system, click here to start a free quote.

The single downside to using this type of form is you cannot specify which carriers you will receive quotes from. If you prefer to choose specific providers to compare, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make sure you are using equivalent quote data for each price quote. If your comparisons have different values for each quote you will not be able to determine which company has the best rates. Slightly different coverage limits can result in a big premium difference. Keep in mind that making a lot of price comparisons increases your odds of finding a lower rate than you’re paying now. Not every company provides rate quotes online, so you also need to get prices on coverage from those companies, too.

Save with these money-saving discounts

Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not even know about. Certain reductions will be credited at the time of quoting, but a few must be asked for prior to receiving the credit. If you aren’t receiving every discount you deserve, you are throwing money away.

• Student in College – Youth drivers who are attending college and do not take a car to college may qualify for this discount.
• Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
• Multiple Cars – Insuring multiple cars on the same car insurance policy can get a discount for every vehicle.
• Government Employee Discount – Simply working for the federal government may reduce rates when you quote insurance on Dakota coverage with select insurance companies.
• Fewer Miles Equal More Savings – Low mileage vehicles could earn discounted premium rates on garaged vehicles.
• Driver Training Discounts – Successfully completing a safe driver course could save 5% or more depending on where you live.
• Cautious Driver Discounts – Accident-free drivers can pay as much as 50% less on Dakota coverage than their less cautious counterparts.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, you aren’t that lucky.

To choose insurers with discount rates, click here to view.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight if your insurance needs might need professional guidance.

• When would I need additional glass coverage?
• When does my teenage driver need to be added to my policy?
• Can I get a multi-policy discount?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered if I wreck a rental car?
• If my 1997 Dodge Dakota is totaled, can I afford another vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Car insurance coverages 101

Having a good grasp of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Dakota.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage

Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as pain and suffering, attorney fees, emergency aid, legal defense fees and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses like pain medications, surgery, EMT expenses and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Shop smart and save

You just learned a lot of information how to lower your 1997 Dodge Dakota insurance rates. The key thing to remember is the more you quote insurance, the better likelihood of getting affordable insurance. You may be surprised to find that the lowest rates come from a smaller regional carrier.

Cheaper car insurance is definitely available on the web and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies may not have online quoting and these small, regional companies prefer to sell through independent agencies.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. Too many times, someone dropped comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Additional detailed information is located by following these links:

• Safe Vehicles for Teens (iihs.org)
• Learn About Car Insurance (Geico)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)