Cheaper 1994 Dodge Dakota Insurance Quotes

Trying to find lower insurance rates for your Dodge Dakota? Did you fall for a flashy sales pitch and buy overpriced insurance? Believe me, there are a lot of people just like you who feel imprisoned by their insurance policy.

Since consumers have many companies to choose from, it’s difficult to pick the lowest price car insurance company.

Compare Insurance Coverage Costs

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the fastest way to get free quotes. You could waste time talking about coverages with agents in your area, or you can stay home and use online quotes for quick rates.

Many insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then returns a price quote for coverage. This prevents consumers from doing repetitive form submissions for every insurance coverage company. To find out how much you’re overpaying now click to open in new window.

The one downside to getting quotes like this is you cannot specify which carriers you want pricing from. If you wish to select specific providers to request quotes from, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, make darn sure you compare apples-to-apples coverages for each comparison quote. If you compare different liability limits it’s not possible to determine which rate is truly the best. Having just a slight variation in coverages could mean much higher rates. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

Your coverage should be tailored to you

When buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you may require specific advice.

  • Is my teenager covered with friends in the car?
  • What is the difference between comprehensive and collision coverage?
  • Should I have combined single limit or split liability limits?
  • Do I have coverage if my license is suspended?
  • Should I buy full coverage?
  • What is covered by UM/UIM coverage?
  • Does insurance cover tools stolen from my truck?
  • Does my insurance cover my expensive audio equipment?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to 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.

Coverages available on your car insurance policy

Having a good grasp of your car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Liability auto insurance – Liability coverage can cover damage that occurs to a person or their property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like repair bills for other people’s vehicles, legal defense fees, medical expenses, structural damage and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance – Coverage for medical payments and/or PIP pay for bills for prosthetic devices, hospital visits, EMT expenses, funeral costs and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This will pay to fix damage to your Dakota resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, falling objects, damage from a tornado or hurricane, fire damage and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.