2010 Dodge Dakota Car Insurance Quotes

Finding low-cost insurance for a new or used Dodge Dakota can normally be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to buy insurance coverage and we’ll show you the absolute fastest way to compare rates for a Dodge and locate the lowest possible price.

Vehicle Insurance Comparison

Effectively comparing car insurance prices can take time and effort if you don’t utilize the best way to get rate quotes. You could spend your day talking to insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many insurance companies enroll in a system where prospective buyers only type in their quote data once, and each company returns a rated price based on the submitted data. This prevents consumers from doing quote requests for every car insurance company. To access this free quoting program, click here (opens in new window).

One minor caviat to pricing coverage this way is you don’t know exactly which carriers you want to price. So if you prefer to pick specific insurance companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you are comparing identical deductibles and coverage limits with every price quote. If you are comparing different values for each quote it’s not possible to make an equal comparison.

Discounts are great for lower rates

Companies offering auto insurance don’t always advertise all available discounts in a way that’s easy to find, so the following is a list of some of the best known as well as the least known ways to save on car insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums on Dakota coverage.
  • Memberships – Participating in a civic or occupational organization may earn a discount when buying car insurance on Dakota coverage.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Drive Less and Save – Fewer annual miles on your Dodge can qualify you for better rates on cars that stay parked.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • No Charge for an Accident – Certain companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

Car insurance companies who might offer some of the above discounts are:

Before buying, ask every prospective company what discounts are available to you. Some discounts might not be offered everywhere.

You may need specialized coverage

When buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • What vehicles should carry emergency assistance coverage?
  • What exactly is covered by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • What are the best liability limits?
  • Do I have newly-aquired coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need replacement cost coverage on my 2010 Dodge Dakota?
  • When can my company non-renew my policy?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Dodge Dakota rates are complex

Consumers need to have an understanding of the factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with better auto insurance rates.

  • Poor credit can mean higher rates – A driver’s credit history is a big factor in determining your rates. So if your credit is not that good, you could save money insuring your 2010 Dodge Dakota by spending a little time repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Do you qualify for a multi-policy discount? – Many insurance companies will award you with lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
  • Protect your assets with liability insurance – Liability insurance will protect you in the event that you are found to be at fault for damages from an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Being married can save on auto insurance – Having a wife or husband can get you a discount on auto insurance. Having a spouse usually means you are more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Pleasure use saves money – The more miles you rack up on your Dodge each year the higher your rates will be. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars left parked in the garage receive lower rates than those used for commuting. Having the wrong rating on your Dakota may be costing you. Make sure your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
  • How’s your driving record? – Your driving citation history has a big impact on rates. Just one moving violation can boost insurance rates twenty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Don’t buy coverages you don’t need – There are a lot of extra bells and whistles that you can buy on your auto insurance policy. Coverages for personal injury protection, towing coverage and membership fees may be wasting your money. These coverages may sound good initially, but your needs may have changed so eliminate them to save money.

Auto insurance coverage information

Having a good grasp of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

This provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like doctor visits, prosthetic devices, chiropractic care and funeral costs. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage

This covers damage to your Dakota resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, hitting a parking meter, colliding with a tree, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Dodge Dakota.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

A penny saved is a penny earned

As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at the best price.

Lower-priced 2010 Dodge Dakota insurance is definitely available on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented many tips how you can save on insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest rates come from an unexpected company.

Additional detailed information can be found at these sites: