Vehicles > Dodge > Dakota

Dodge Dakota Insurance Rates

Shopping for auto insurance on the web can be fast and easy, in addition you will probably save money. The most important part is to get rates from all providers in order to accurately compare the cheapest rate quotes.

If shopping for auto insurance online is new to you, you may be confused by the hoards of online companies competing for your business. Finding lower Dakota insurance cost isn't really that difficult. You just have to spend a little time comparing rates provided by online insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Dodge Dakota can fluctuate considerably depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One last important factor that will help determine the rate you pay on your Dodge is the year of manufacture. Models that are new have a higher replacement value so the cost to replace them may result in higher rates. But new Dodge models may have options including tire pressure monitors, active head restraints, and pedestrian detection which may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability car insurance - This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision coverage - Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance - This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most 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.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.

How Much are Dodge Dakota Insurance Rates?