View 1996 Dodge Dakota Car Insurance Quotes

Have you had enough of scraping the payment together to insure your Dodge every month? You are in the same boat as millions of other consumers. Because you have many companies and agents to choose from, it can be diffult for consumers to find the most affordable provider.

Finding the best rates is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Vehicle owners just need to learn the best way to find the lowest price online.

The quickest method to compare insurance rates in your area is to understand all the major auto insurance companies have advanced systems to compare rate quotes. To begin a comparison, all you need to do is give the companies some data like how your vehicles are used, if a SR-22 is needed, your occupation, and any included safety features. Your insurance information is sent automatically to many highly-rated insurers and you will receive price estimates quickly.

To compare multiple company rates now, click here and complete the quick form.

Don’t pay full price with these discounts

Companies that sell car insurance don’t necessarily list every discount very well, so here is a list both well-publicized as well as the least known discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.

  • Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Discount for Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Resident Student – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Dakota coverage than their less cautious counterparts.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies that possibly offer some of the above discounts include:

Double check with every prospective company how you can save money. Savings may not be available everywhere.

Your personal situation dictates your coverage

When choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • When should I buy a commercial auto policy?
  • When do I need to add a new car to my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • What are the best liability limits?
  • What is UM/UIM insurance?
  • Do I pay less for low miles?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Why your Dodge Dakota might be costing you more

An important part of buying insurance is that you know the factors that help determine auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in big savings.

The following are some of the factors that factor into premiums.

  • Traffic citations inflate rates – Your driving record has a big impact on rates. Careful drivers receive lower rates than their less careful counterparts. Even one speeding ticket can boost insurance rates by twenty percent. Drivers who get dangerous violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • One company can mean more discounts – Most companies provide better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
  • Pay less after the wedding – Having a wife or husband can get you a discount on auto insurance. Marriage is viewed as being more mature and it’s proven that married drivers get in fewer accidents.
  • An active claims history can cost you – Companies generally give better rates to people who do not file claims often. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Do you know you’re credit rating? – A driver’s credit score is a important factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit is low, you could be paying less to insure your 1996 Dodge Dakota by repairing your credit.
  • Your location affects your rates – Residing in less populated areas can be a good thing when it comes to auto insurance. Drivers in populated areas have to deal with much more traffic and longer commute times. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
  • Safer cars are cheaper to insure – Safer cars are cheaper to insure. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Dodge Dakota is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • Protect your assets with liability insurance – Liability insurance is the protection if ever a court rules you are at fault for damages from an accident. Liability provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

Insurance coverage specifics

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Auto collision coverage

Collision insurance covers damage to your Dakota resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, rolling your car, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, a broken windshield, damage from a tornado or hurricane and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage will cover damage or injury you incur to other people or property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

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

Liability can pay for claims like emergency aid, medical expenses, structural damage, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like dental work, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Dakota.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Saving money makes a lot of cents

You just learned quite a bit of information on how to compare 1996 Dodge Dakota insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a small local company. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

Cheap insurance is definitely available both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. A few companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are many occasions where consumers will sacrifice liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

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