Cheaper 1995 Dodge Dakota Insurance Rates

Trying to find cheaper insurance rates for your Dodge Dakota? No one likes paying for insurance, particularly when their premiums are too high.

Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute cheapest price

If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Finding affordable coverage is not that difficult. Nevertheless, drivers need to have an understanding of the way insurance companies compete online.

How to Compare Insurance Rates

Most major insurance companies like 21st Century, Allstate and State Farm give price estimates on their websites. Obtaining pricing is fairly straightforward as you just enter your personal and coverage information into the quote form. When the form is submitted, the system requests information on your driving record and credit history and provides a quote. Being able to quote online simplifies rate comparisons, but having to visit multiple sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you are searching for the lowest possible prices on insurance.

Quote rates the easy way

The easiest way to lower your insurance bill utilizes a single form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much easier. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If a lower price is quoted, you can simply submit the application and purchase the new policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To compare pricing, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you type in the limits and deductibles exactly as they are listed on your policy. This way, you are getting comparison quotes using the same coverage and limits.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine whether you will benefit from professional help.

  • Are all vehicle passengers covered by medical payments coverage?
  • What vehicles should carry emergency assistance coverage?
  • Is extra glass coverage worth it?
  • Does coverage extend to Mexico or Canada?
  • Do I benefit by insuring my home with the same company?
  • Does my policy cover my teen driver if they drive my company car?

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. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Collision – Collision insurance pays for damage to your Dakota caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like rehabilitation expenses, surgery, hospital visits, doctor visits and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass, hail damage and fire damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Dodge Dakota.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Liability insurance – This will cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to 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 one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, court costs, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.