1998 Dodge Dakota Car Insurance Rates – 10 Policy Discounts

Looking for lower insurance rates for your Dodge Dakota? Finding low-cost insurance for a new or used Dodge Dakota can turn out to be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to find insurance online and we’ll show you the proper way to compare rates on a Dodge and locate the best price possible from both online companies and local agents.

Save with discounts on 1998 Dodge Dakota insurance

Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount available, you are paying more than you should be.

  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Dakota coverage than drivers with accident claims.
  • Accident Forgiveness – Certain companies permit an accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Organization Discounts – Participating in a qualifying organization could trigger savings on your policy for Dakota coverage.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.

Keep in mind that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of insurers who offer auto insurance discounts, click this link.

Compare Auto Insurance Today

Performing a rate comparison is a ton of work if you aren’t aware of the easiest way. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the web to get pricing more quickly.

Most of the larger companies participate in an industry program that enables customers to submit one quote, and at least one company then gives them pricing based on that information. This saves time by eliminating quotation requests to each company.

To find out how much you can save on auto insurance click here to open in new window.

The single downside to doing it this way is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you want to select specific providers to compare prices, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverage limits and deductibles for each comparison quote. If you have unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Dodge Dakota.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • Should I bundle my homeowners policy with my auto?
  • Do I need more liability coverage?
  • Is pleasure use cheaper than using my 1998 Dodge Dakota to commute?
  • I don’t drive much so do I pay less?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Parts of your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses like surgery, funeral costs, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage pays for damage to your Dakota resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, crashing into a building, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Liability – Liability coverage will cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like emergency aid, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Dakota.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, hail damage and falling objects. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Saving money makes a lot of cents

We just showed you a lot of ways to save on 1998 Dodge Dakota insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from a small mutual company.

Drivers leave their current company for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, unfair underwriting practices or even being labeled a high risk driver. Regardless of your reason, finding a new insurance company is not as hard as you think.

Low-cost insurance is attainable online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer online quoting and these small, regional companies work with independent agents.

Additional insurance information is located on the following sites: