2001 Dodge Dakota Car Insurance Rates – 10 Ideas for Cheaper Quotes

Searching for better auto insurance rates for your Dodge Dakota? High-priced auto insurance can bottom out your bank account and force you to tighten up your finances. Performing a rate comparison can lower your rates and help to slash your bill and have more diposable income.

Vehicle owners have multiple car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it makes it harder to locate the cheapest rates.

It’s important to compare prices quite often because auto insurance prices tend to go up over time. Despite the fact that you may have had the lowest rate on Dakota insurance last year you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to learn how to quote online to reduce your cost while increasing coverage.

These ten discounts can lower your insurance rates

Insurance can be pricey, but you may be missing some discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but a few must be specially asked for before you get the savings.

• Seat Belts Save more than Lives – Drivers who require all occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
• Discount for Swiching Early – Some larger companies provide a discount for buying a new policy before your current coverage expires. It can save you around 10%.
• Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance on Dakota insurance with some insurance companies.
• Save with More Vehicles Insured – Drivers who insure several vehicles with the same insurance company can get a discount on all vehicles.
• Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their car insurance quote on Dakota insurance compared to accident prone drivers.
• 55 and Retired – Drivers that qualify as senior citizens may be able to get a small decrease in premiums on Dakota insurance.
• Air Bag Discount – Factory air bags may earn rate discounts of 20 to 30 percent.
• Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
• Multi-line Discount – Insurance carriers who offer life insurance give a lower rate if you buy a life insurance policy as well.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

As a sidenote, many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. Even though it appears you could get a free insurance policy, insurance companies aren’t that generous.

Insurance companies who may offer these discounts may include but are not limited to:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

If you are trying to find cheap car insurance quotes, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your area. To view insurers who offer online insurance quotes, click here to view.

Different people need different insurance coverage coverages

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

• What is the ISO rating for a 2001 Dodge Dakota?
• Where can I find DUI or SR-22 insurance?
• What are the best liability limits?
• Who is covered by my policy?
• Do I need medical payments coverage since I have good health insurance?
• Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Insurance buyers beware

Insurance companies such as Geico, State Farm and Progressive consistently run ads in print and on television. All the companies make the point that drivers will save a bundle if you change to them. How do they all say the same thing? Here is how they do it.

All companies have specific guidelines for the type of customer that will not have excessive claims. One example of a profitable risk profile might be between 30 and 50, has never had a claim, and drives newer vehicles. A customer that fits those parameters will get very good car insurance rates and have a good chance to save quite a bit of money when switching.

Potential customers who may not quite match this stringent profile will see higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “people that switch” not “everyone who quotes” can get the lowest rates when switching. That is how insurance companies can confidently advertise the savings. This emphasizes why you really need to do a rate comparison at every renewal. Because you never know the company that will have the best premium rates for your profile.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Collision insurance

This coverage covers damage to your Dakota caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, rolling your car, crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like doctor visits, ambulance fees, hospital visits, funeral costs and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, damage from flooding, falling objects, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Dakota.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, pain and suffering and attorney fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Better coverage you can count on

Some insurance providers may not have online price quotes and usually these small, regional companies only sell through local independent agencies. Lower-priced auto insurance is attainable from both online companies in addition to local insurance agencies, so you need to compare both in order to have the best price selection to choose from.

We just covered a lot of information how to shop for 2001 Dodge Dakota insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost car insurance. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Smaller companies often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm or Progressive.

More tips and info about auto insurance is located in these articles:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Rollover Crash FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)