2009 Dodge Dakota Insurance Rates – 9 Tips for Cheaper Quotes

Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than many other drivers.

Companies like State Farm, GEICO and Farmers Insurance continually hit you with TV and radio ads and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

If you are paying for car insurance now, you should be able to save some money using these methods. Buying car insurance is quite easy. But car owners can benefit by having an understanding of the way insurance companies price online insurance and apply this information to your search.

Comparison of Insurance Coverage

Most companies like 21st Century, Allstate and State Farm allow you to get price estimates on their websites. Obtaining pricing is fairly simple as you just enter your coverage preferences into a form. Once you submit the form, their rating system will order reports for credit and driving violations and generates a price based on these and other factors. Online price quotes makes it a lot easier to compare rates but the process of having to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible in order to find a lower rate.

Quote rates the easy way

The easiest way to lower your insurance coverage bill uses one simple form that gets price quotes from more than one company. It’s a real time-saver, reduces the work, and makes price shopping online much more enjoyable. Immediately after you send the form, it is quoted and you are able to buy any one of the price quotes you receive.

If a lower price is quoted, you simply finish the application and purchase coverage. It just takes a couple of minutes and could lower your rates considerably.

To get comparison pricing now, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you input the coverages just like they are on your policy. This makes sure you are getting an apples-to-apples comparison based on similar coverages.

Discounts to lower Dodge Dakota insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but some may not be applied and must be inquired about prior to receiving the credit.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Dakota coverage depending on your company.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will help reduce your overall premium however.

Insurance companies that may offer these discounts are:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving on a suspended license?
  • How much liability insurance is required?
  • Does medical payments coverage apply to all occupants?
  • What is no-fault insurance?
  • What happens if I owe more than my 2009 Dodge Dakota is worth?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When would I need rental car insurance?
  • Do I really need UM/UIM coverage?
  • Is pleasure use cheaper than using my 2009 Dodge Dakota to commute?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Car insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as funeral costs, surgery, pain medications and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your Dakota caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Liability car insurance

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, attorney fees, loss of income and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Be Smart and Buy Smart

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.

Lower-priced 2009 Dodge Dakota insurance can be sourced on the web and with local insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

In this article, we covered quite a bit of information on how to get a better price on insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest rates come from the least-expected company. These companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

More detailed car insurance information is located by following these links: