1997 Dodge Dakota Insurance Quotes – 6 Policy Discounts

Drivers have options when trying to find affordable Dodge Dakota insurance. You can either spend your time driving around getting price quotes or leverage the internet to make rate comparisons.

There is a better way to shop for auto insurance and you need to know the absolute fastest way to get price quotes for a new or used Dodge and get the lowest possible price from local insurance agents and online providers.

Consumers should take time to compare rates occasionally due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the lowest price for Dakota insurance six months ago other companies may now be cheaper. There is a lot of wrong information about auto insurance online but we’re going to give you some of the best ways to stop overpaying for insurance.

This information will introduce you to the best way to quote coverages and some tips to save money. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. Consumers just need to know the most efficient way to buy auto insurance on the web.

Discounts are great for lower rates

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Most are applied at the time of quoting, but some must be asked about before you will receive the discount. If you don’t get every credit possible, you are throwing money away.

  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Drive Less and Save – Keeping the miles down on your Dodge could be rewarded with lower rates on the low mileage vehicles.
  • Own a Home – Owning a house may earn you a small savings because owning a home requires personal responsibility.

Consumers should know that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But all discounts will cut your premiums.

For a list of insurers with the best car insurance discounts, follow this link.

You may need specialized coverage

When buying the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether or not you could use an agent’s help.

  • Am I insured when driving a different vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is PIP insurance?
  • When do I need to add a new car to my policy?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage if my license is suspended?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Can you really save $447 a year?

Consumers constantly see and hear ads for car insurance savings by 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you move to their company.

How do they all claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the driver that makes them money. A good example of a preferred risk might be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Potential customers who fall outside the “perfect” profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save that much money. This is how companies can truthfully state the savings.

This emphasizes why you should get as many comparisons as possible. It’s just too difficult to predict which auto insurance company will have the lowest Dodge Dakota insurance rates.

Car insurance coverage information

Knowing the specifics of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like ambulance fees, doctor visits, chiropractic care and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed and hitting a bird. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – This will cover damages or injuries you inflict on people or other property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, structural damage, funeral expenses and loss of income. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Collision – Collision insurance pays for damage to your Dakota resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, crashing into a building and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1997 Dodge Dakota.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Saving money is sweet as honey

When trying to cut insurance costs, you should never buy poor coverage just to save money. In many instances, an insured dropped liability coverage limits only to find out that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Budget-conscious 1997 Dodge Dakota insurance can be purchased on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

Insureds change insurance companies for any number of reasons including high rates after DUI convictions, policy non-renewal, policy cancellation and even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

Additional auto insurance information can be read at these links: