Cheap 1995 Dodge Dakota Car Insurance Rates

Finding low-cost insurance for a Dodge Dakota can normally be difficult, but you can learn the following methods to save time. There are more efficient ways to buy insurance and we’ll show you the quickest way to compare rates on a Dodge and get the lowest possible price from both online companies and local agents.

Compare the Market for Insurance

Reducing your 1995 Dodge Dakota insurance rates is a fairly straight forward process. Consumers just need to take the time comparing rate quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The most efficient way to get the best comparison quotes is a comparison rater form (click to open form in new window). This type of form prevents you from having to do separate quotes to each individual insurance company. Just one form will get you rate comparisons direct from many companies. It’s definitely the quickest method.
  2. A different way to analyze rates requires a visit to each company’s website and complete a new quote form. For example, let’s say you want comparison quotes from USAA, 21st Century and Progressive. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but ensure you are comparing exactly the same deductibles and coverage limits on every quote. If you enter differing limits it will be next to impossible to make an equal comparison.

Save on 1995 Dodge Dakota insurance

Car insurance companies don’t always publicize every available discount in a way that’s easy to find, so here is a list both well-publicized and the more hidden car insurance savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Sign Online – Certain companies may give you up to $50 for buying a policy and signing up online.
  • No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.
  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think adding up those discounts means a free policy, car insurance companies aren’t that generous.

Car insurance companies that possibly offer these benefits are:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • Am I covered if my car is in a flood?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How can I get high-risk coverage after a DUI?
  • How high should my medical payments coverage be?
  • Can I make deliveries for my home business?
  • Why do I need rental car insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Will my rates increase for filing one claim?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Factors that can influence insurance rates for a Dodge Dakota

Consumers need to have an understanding of the rating factors that go into determining your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that can help you get better auto insurance rates.

  • Teen drivers pay high rates – Older insureds are more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers are known to be less responsible when behind the wheel therefore auto insurance rates are much higher.
  • Your job and insurance rates – Jobs such as real estate brokers, architects and stock brokers tend to have the highest rates in part from high stress and long work days. On the other hand, jobs such as scientists, students and retirees receive lower rates on Dakota coverage.
  • Multiple policies with one company can save – Many companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to make sure you are getting the best deal.
  • Men are more aggressive – Statistics have proven that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Men and women have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as DWI and reckless driving.
  • Keep rates low by being claim-free – Car insurance companies provide better rates to people who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee higher rates. Your insurance policy is designed for larger claims.
  • Extra add-on coverages are wasting money – There are many add-on coverages you can purchase on your 1995 Dakota policy. Insurance for personal injury protection, better glass coverage and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.

Auto insurance 101

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Dakota.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for collisions

Collision coverage will pay to fix damage to your Dakota resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, colliding with another moving vehicle, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance can cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like structural damage, court costs, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, theft and vandalism. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage pay for bills for ambulance fees, dental work, funeral costs and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

Consumers switch companies for many reasons like policy non-renewal, delays in responding to claim requests, questionable increases in premium or even not issuing a premium refund. Regardless of your reason, switching companies can be less work than you think.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

We just showed you many tips how you can compare 1995 Dodge Dakota insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. You may even find the best price on insurance coverage is with a lesser-known regional company.

Additional detailed information can be read at these sites: