View 1993 Dodge Dakota Car Insurance Quotes

Looking for the cheapest insurance rates for your Dodge Dakota? Have you had enough of not being able to afford to insure your Dodge every month? You are no different than many other consumers.

Big-name insurance companies like State Farm, Allstate, Geico and Progressive all promote huge savings with ad campaigns and consumers find it hard to see past the corporate glitz and find the best price available.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners must know the way insurance companies determine prices and apply this information to your search.

How to Get Car Insurance

All major car insurance companies provide pricing on their websites. This process is pretty painless as you simply type in your coverage information into the quote form. After you complete the form, their rating system will obtain credit information and your driving record and returns a price. This helps simplify price comparisons, but the work required to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to do this if you want to find lower prices.

The smarter way to lower your car insurance bill is to use a quote form to obtain quotes from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much easier to do. As soon as the form is sent, it is rated and you can choose your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process takes just a few minutes to complete and could lower your rates considerably.

If you want to find out how much you can save on car insurance, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in coverages and limits identical to your current policy. This helps ensure you will receive an apples-to-apples comparison based on identical coverages.

Switch companies and save? Really?

Companies like Geico, State Farm and Progressive constantly bombard you with ads on television and other media. All the ads have a common claim that you’ll save big if you switch your coverage to them. But how can every company say the same thing? This is how they do it.

Different companies can use profiling for the type of driver that makes them money. For instance, a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside these standards must pay higher rates which leads to business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can confidently advertise the way they do.

This illustrates why you absolutely need to quote coverage with many companies. Because you never know which insurance companies will provide you with the cheapest Dodge Dakota insurance rates.

Factors determining your Dodge Dakota insurance premium

An important part of buying insurance is that you know the rating factors that come into play when calculating your auto insurance rates. Knowing what determines base rates enables informed choices that could result in better auto insurance rates.

The list below includes some of the items auto insurance companies consider when setting premiums.

  • Don’t buy coverages you don’t need – There are a lot of add-on coverages that can waste your money on your Dakota policy. Coverages like rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. They may seem good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Always keep insurance in force – Allowing your auto insurance policy to lapse will be a fast way to bump up your auto insurance costs. Not only will rates go up, failure to provide proof of insurance will get you a steep fine or even jail time.
  • How credit affects auto insurance rates – A driver’s credit score is a huge factor in your rate calculation. So if your credit history is lower than you’d like, you could be paying less to insure your 1993 Dodge Dakota by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
  • Where you live can impact rates – Residing in less populated areas is a positive aspect when talking about auto insurance. City drivers regularly have more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents.
  • Safer cars are cheaper to insure – Safer cars are cheaper to insure. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If the Dodge Dakota earned at least four stars on Safercar.gov it may be receiving lower rates.
  • More than one policy can earn a discount – Many insurance companies provide better rates to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to ensure the best deal.
  • Too many auto insurance claims drive up costs – Insurance companies generally give lower rates to policyholders who are claim-free. If you file claims often, you can look forward to either policy cancellation or increased premiums. Car insurance is intended to be relied upon for larger claims.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women cause accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations like reckless driving and DUI. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.

Cut prices on 1993 Dodge Dakota insurance

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but some must be specifically requested prior to getting the savings.

  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings on insurance coverage on Dakota coverage.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Dakota coverage than drivers with accident claims.
  • Early Signing – A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Passive Restraints and Air Bags – Cars that have air bags can receive discounts of up to 25% or more.

Keep in mind that some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will reduce your premiums.

A partial list of companies that possibly offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. Discounts might not apply in your area.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Is a new car covered when I drive it off the dealer lot?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When can my company non-renew my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I better off with higher deductibles on my 1993 Dodge Dakota?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Car insurance 101

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Coverage for collisions

This pays for damage to your Dakota resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, a broken windshield, hitting a bird and vandalism. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, nursing services, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

Liability insurance protects you from damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like legal defense fees, attorney fees, funeral expenses, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

One last thing

Lower-priced 1993 Dodge Dakota insurance is attainable both online and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and these small insurance companies work with independent agents.

When shopping online for insurance, never buy less coverage just to save a little money. There have been many cases where someone sacrificed collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

We covered a lot of ways to get a better price on insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

Even more information is located in these articles: