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Dodge Dakota Insurance Rates

You have many choices when trying to insure your Dodge vehicle. You can buy direct from an agent or get quotes online to compare rates from insurance providers. Shopping for car insurance by comparing rates online saves time, is easy to do, in addition you can save money.

Comparing car insurance rates direct online can be complicated if you are a beginner to quoting online. Don't let that stop you because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The quickest method to compare Dakota insurance quotes consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Car insurance premiums for your Dodge Dakota can be significantly different and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Your occupation
  • The amount of protection requested
  • Owning a home can lower rates

An additional factor that will help determine Dakota insurance rates is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the payout to repair may end up costing you less. But more recent Dodge vehicles may have safety features including dual-stage airbags, a rollover prevention system, and lane departure warning system that may help lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Dakota from the following list.

Auto liability insurance

This will cover injuries or damage you cause to other's property or people by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage

Collision coverage will pay to fix damage to your Dodge resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Dodge Dakota Insurance Rates?