2006 Dodge Dakota Car Insurance Rates

Feel like you’re a prisoner to high-priced car insurance? Don’t sweat it because there are many drivers thinking the same thing. Many insurers compete for your hard-earned dollar, so it can be very hard to choose a provider and get the definite cheapest price

Consumers need to compare premium rates before your policy renews because car insurance prices tend to go up over time. Just because you found the lowest rate on Dakota coverage two years ago you can probably find a better premium rate now. There is lot of inaccurate information about car insurance online but in this article, you’re going to get some great ideas on how to reduce your car insurance bill.

If you have insurance now or are looking for a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to learn the proper way to shop online.

Car insurance policy discounts you can’t miss

Auto insurance companies don’t always list the entire discount list very clearly, so we took the time to find a few of the more common and also the more inconspicuous car insurance savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Accident Forgiveness – but a handful of insurance companies may permit one accident without the usual rate increase as long as you don’t have any claims for a set time period.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
  • Sign Early and Save – A few larger companies allow discounts for buying a policy before your current expiration date. You could save around 10% when you buy insurance coverage online.
  • More Vehicles More Savings – Drivers who insure multiple cars or trucks with the same company can reduce rates for all insured vehicles.
  • Discounts for Government Workers – Active or former government employment can earn a discount up to 10% on Dakota coverage with a few car insurance companies.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of 25 to 30%.
  • Military Deployment Discount – Being on active deployment in the military could be rewarded with lower car insurance rates.

Just know that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Auto insurance companies that may offer some of the discounts shown above may include but are not limited to:

When comparing rates, check with each company to apply every possible discount. Some discounts listed above may not apply to policies everywhere. To find providers with discount rates, click here to view.

Compare insurance coverage quotes online

There are several ways to compare insurance coverage prices but some are easier and takes less work. You can waste a lot of time driving to local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.

The majority of car insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company can give them a price. This system prevents you from having to do quote forms to each company.

To access this free quoting program, click to open in new window.

The only downside to pricing coverage this way is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you prefer to pick from a list of companies to compare rates, we have a page of low cost insurance coverage companies in your area. Click to view list.

However you get your quotes, try to keep nearly identical quote data for every quote you compare. If you have different liability limits it will be very difficult to determine the lowest rate for your Dodge Dakota.

Insurance agents can help

When it comes to buying the best insurance coverage coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • What happens if I owe more than my 2006 Dodge Dakota is worth?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When can I cancel my policy?
  • Am I covered if I break a side mirror?
  • What is high-risk coverage and where do I buy it?
  • Can my babysitter drive my car?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Auto insurance coverage options for a Dodge Dakota

Learning about specific coverages of auto insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average auto insurance policy.

Collision coverage – This will pay to fix damage to your Dakota resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, crashing into a ditch, sustaining damage from a pot hole, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, X-ray expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability – Liability coverage can cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical services, pain and suffering, legal defense fees, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, rock chips in glass and a broken windshield. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

In this article, we presented a lot of information how to compare 2006 Dodge Dakota insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the best price on insurance is with the smaller companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, someone dropped comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your focus should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

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Comments About 2006 Dodge Dakota Insurance

  1. Ima Vinson

    Will State Farm be cheaper if I raise deductibles?

  2. Dung Stein

    Good site, thanks. Checking in from Philadelphia, PA. I got free prices from Allstate, AAA, Erie, and Hartford for my 2006 Dodge Dakota and cut my rates about $450 a year. Left Erie to switch.

  3. Felipe Melton

    Cheaper not always better. From Bismarck, North Dakota. Got free quotes online for a 2006 Dodge Dakota. Ended up at about $500 savings annually. Went with 21st Century. A clean driving record helps. It was easy to get rates.

  4. Vance Rose

    I’m just west of Fort Wayne, IN. Received quotes with GEICO, Auto-Owners, and Eastwood for my 2006 Dodge Dakota and saved $139 a year. Not sure if rates are cheaper online or through an agent.

  5. Carolin Bowman

    I’m in the north part of Wilmington, DE and for me 21st Century had the lowest quote.

  6. Leesa Livingston

    Not sure if this is cheap. From south side of Newark, DE. Quoted prices from Progressive, Erie, and GMAC for my Dodge and saved just over $480 a year. Was with Amica. I have several vehicles insured with them.

  7. August Reyes

    I’m in Saint Louis, Missouri. I got free quotes from Progressive, The General, and Farmers for my Dodge and I’m now saving $17 a month. Might find lower rates online.

  8. Wenona Pitts

    I’m in Charlotte, NC, and Progressive rates were affordable. Was with Esurance. I have a couple other vehicles on the policy.

  9. Sharla Cox

    Compared rates with 21st Century and AAA but still pricey.

  10. Cathryn Steele

    Will State Farm raise rates after an accident?

  11. Audry Cantrell

    Enjoyed the article. Went with Encompass for my 2006 Dodge Dakota and saved about $290 a year. :P