2010 Dodge Dakota Insurance Rates – 7 Discounts for Cheapest Quotes

Looking for the cheapest insurance coverage rates for your Dodge Dakota? Have you finally had enough of robbing Peter to pay Paul to pay high insurance coverage rates every month? Your situation is no different than many other drivers.

Companies like Geico, 21st Century and Progressive constantly blast consumers with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

Smart consumers take time to compare premium rates occasionally because insurance coverage rates trend upward over time. Even if you think you had the lowest rate on Dakota insurance a few years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the fastest and easiest way to find better rates and still maintain coverage.

Cheaper insurance quotes with discounts

Auto insurance companies don’t list every discount in a way that’s easy to find, so we researched a few of the more common as well as some of the hidden insurance savings. If they aren’t giving you every credit available, you could be saving more on your insurance.

• Waiver for an Accident – This isn’t a discount exactly, but some companies like Allstate and Geico will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
• Paperwork-free – Many insurance companies provide a small discount for buying your policy on their website.
• Early Signing – Some larger companies reward drivers for switching companies prior to your current policy expiring. Ten percent is about the average savings.
• Driver Safety – Participating in a course teaching defensive driving skills could earn you a small percentage discount depending on where you live.
• Smart Student Discounts – Being a good student may save you up to 25%. The good student discount can last up until you turn 25.
• Drive Safe and Save – Insureds who avoid accidents may save up to 50% more on Dakota insurance as compared to drivers with claims.
• Theft Prevention Discount – Cars with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.

Consumers should know that some of the credits will not apply to the entire cost. Most cut specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will bring down your overall bill.

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

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Before buying, ask each company the best way to save money. Savings may not be available in every state. To see providers that have a full spectrum of discounts, follow this link.

Shop car insurance online

To find more affordable rates, there are a couple of ways to get quotes from many available car insurance companies in your state. By far the easiest way to lower the rate you pay for 2010 Dodge Dakota insurance consists of obtaining rate quotes online. This is very easy and can be done in a couple minutes as outlined below.

• The fastest and easiest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do separate forms for every prospective company. Just one form will get you price quotes instantly.
• A less efficient way to find better pricing consists of visiting each company website and get a separate price quote. For examples sake, we’ll pretend you want to view quotes from Farmers, 21st Century and Geico. To find out each rate you need to take the time to go to each site to enter your coverage information, which can be really labor intensive.

  For a list of companies in your area, click here.

However you get your quotes, ensure you are comparing the same coverage limits for each comparison quote. If you enter different deductibles it will be impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages could skew the results. And when price shopping your coverage, comparing more quotes helps improve the odds of finding lower pricing.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions could help you determine if you might need an agent’s assistance.

• Do I pay less if my vehicle is kept in my garage?
• Does car insurance cover theft of personal property?
• How does medical payments coverage work?
• When should I buy a commercial auto policy?
• Do I need special endorsements for business use of my vehicle?
• Is my camper covered by my car insurance policy?
• Should I buy additional glass protection?
• Is there coverage for injuries to my pets?
• Is my state a no-fault state?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by auto insurance companies.

Collision coverages – Collision coverage will pay to fix damage to your Dakota resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical payments – Med pay and PIP coverage pay for expenses such as dental work, nursing services, doctor visits and prosthetic devices. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – This covers 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, rock chips in glass, hitting a deer and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance – Liability coverage will cover damage that occurs to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, medical expenses, legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

One last thing

Throughout this article, we presented some good ideas how you can get a better price on 2010 Dodge Dakota insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding the cheapest auto insurance. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

When shopping online for insurance coverage, do not buy less coverage just to save a little money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. The goal is to buy enough coverage for the lowest price, not the least amount of coverage.

Lower-priced insurance coverage can be found online and from local agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some companies may not provide online quoting and these smaller providers prefer to sell through local independent agents.

To read more, link through to the resources below:

• Bodily Injury Coverage (Liberty Mutual)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)