How Much Does 1999 Dodge Dakota Car Insurance Cost?

Want lower insurance coverage rates for your Dodge Dakota? Confused by the wide range of insurance coverage options? Many other consumers are too. There are so many options that it can quickly become more work than you anticipated to locate the lowest price.

Insurance Prices

To find the best insurance prices, there are several ways of comparing price quotes from different insurance companies. The recommended way to find competitive 1999 Dodge Dakota insurance rates is to get quotes online. This can be accomplished using a couple different methods.

  1. The most efficient way consumers can analyze rates is a comparison rater form like this one (opens in new window). This method saves time by eliminating multiple quote forms for every insurance company. One quote request will return price quotes instantly. It’s definitely the quickest method.
  2. Another way to find lower rates requires a trip to the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want to compare USAA, State Farm and Allstate. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The hardest method of getting rate comparisons is to drive around to local insurance agencies. The internet can eliminate the need for a local agent unless you require the professional guidance of a licensed agent. You can, however, compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.

Which method you use is up to you, but be sure to compare apples-to-apples deductibles and coverage limits on every quote you get. If you enter unequal deductibles or liability limits then you won’t be able to decipher which rate is best. Just a small difference in coverage limits may result in a large different in cost. It’s important to know that comparing more company’s prices will increase your chances of finding better pricing.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Most are applied when you get a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Memberships – Being a member of certain professional organizations is a good way to get lower rates when buying insurance on Dakota insurance.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Dakota insurance with a few insurance companies.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Low Mileage Discounts – Keeping the miles down on your Dodge could be rewarded with discounted rates on garaged vehicles.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.

Drivers should understand that some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, companies don’t profit that way. But any discount will reduce your overall premium however.

Car insurance companies that may offer these benefits include:

Check with each company how you can save money. All car insurance discounts may not be available everywhere.

How do I know if I need professional advice?

When choosing the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether you will benefit from professional help.

  • If I drive on a suspended license am I covered?
  • Am I covered if I drive in a foreign country?
  • Do all my vehicles need collision coverage?
  • Is my cargo covered for damage or theft?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is high-risk coverage and where do I buy it?
  • What vehicles should carry emergency assistance coverage?
  • Do I need more liability coverage?
  • Am I covered if I crash into my own garage door?
  • What is the minimum liability in my state?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Dodge Dakota insurance rates consist of many parts

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to better insurance coverage rates.

  • Keep rates low by being claim-free – If you frequently file small claims, you can definitely plan on higher rates. Car insurance companies award lower rates to insureds who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores get lower rates. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Dodge is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Where you live – Residing in a rural area is a positive aspect when it comes to insurance coverage. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. City drivers have to deal with more traffic problems and much longer commute distances. More time on the road means higher likelihood of an accident.
  • Special features that cut premiums – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Never allow your policy to lapse – Not having insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance might get you a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.

Specific coverage details

Knowing the specifics of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, prosthetic devices, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Dodge Dakota.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Liability coverages

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical services, legal defense fees, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your Dakota caused by collision 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 claims like crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive car insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed, damage from flooding and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

In this article, we covered many tips how you can reduce 1999 Dodge Dakota insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the most savings is with the least-expected company.

The cheapest insurance can be found on the web as well as from independent agents, and you need to price shop both to have the best selection. Some companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, policy non-renewal, policy cancellation and even delays in responding to claim requests. Whatever your reason, finding a new auto insurance company can be easier than you think.

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