How Much Does 1996 Dodge Dakota Insurance Cost?

Trying to find lower auto insurance rates? Buyers have lots of choices when searching for affordable Dodge Dakota insurance. You can either spend your time calling around trying to get quotes or save time using the internet to make rate comparisons. There are both good and bad ways to compare auto insurance rates so we’re going to tell you the proper way to compare rates for a new or used Dodge and locate the lowest possible price either online or from local insurance agents.

You need to do rate comparisons before your policy renews because rates tend to go up over time. Even if you think you had the best price for Dakota coverage six months ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance on the internet, so I’m going to show you some of the best ways to slash your auto insurance rates.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Drivers only need an understanding of the proper methods to shop for car insurance online.

Car Insurance Prices

Finding cheaper 1996 Dodge Dakota car insurance prices can be quick and easy. All you need to do is spend a few minutes comparing price quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The fastest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form saves time by eliminating separate quote forms for each company. Filling out one form will get you rate comparisons from multiple low-cost companies. This is by far the quickest method.
A more difficult way to analyze rates is to take the time to go to each company website and fill out their own quote form. For example, let’s assume you want rates from Farmers, Progressive and Geico. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make sure you use apples-to-apples information for every company. If you enter different deductibles it will be very difficult to determine which rate is truly the best.

Get lower rates on Dodge Dakota insurance

Car insurance companies don’t necessarily list every discount in an easy-to-find place, so we break down both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
Military Rewards – Being on active duty in the military may qualify for rate reductions.
Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

To see a list of insurance companies with the best insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions may help you determine whether or not you may require specific advice.

Do all my vehicles need collision coverage?
Can I pay claims out-of-pocket if I buy high deductibles?
Do I have coverage if my license is suspended?
Is a blown tire covered by insurance?
How can I get high-risk coverage after a DUI?
Am I covered by my spouse’s policy after a separation?
Who is covered by my policy?
Why does it cost so much to insure a teen driver?
What can I do if my company denied a claim?
Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Understanding the coverages of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision coverage

This pays for damage to your Dakota from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, theft and hitting a bird. The maximum payout a car 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.

UM/UIM Coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Dakota.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for liability

Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. 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. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like structural damage, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like chiropractic care, pain medications, doctor visits, surgery and nursing services. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay