1999 Dodge Dakota Insurance Cost

Want lower car insurance rates for your Dodge Dakota? Wish you could get a refund on high-priced car insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Online insurance companies like GEICO and Progressive all promote huge savings with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

Compare car insurance rates

Finding a better price on car insurance is actually easier than you may think. Drivers just need to take a couple of minutes comparing price quotes from some recommended companies. It’s really simple and can be done in a couple of different ways.

  • If you don’t have a lot of time, the easiest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for a different quote for every prospective company. Filling out one form compares rates from multiple low-cost companies.
  • A more difficult way to shop for car insurance online consists of going to the website of each company and fill out a new quote form. For example, we’ll assume you are doing a rate comparison from Liberty Mutual, GEICO and Allstate. To do that, you would have to go to each individual site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make sure you use apples-to-apples quote information for each comparison quote. If your comparisons have different coverage information you can’t possibly truly determine the lowest rate.

Discounts can really help lower rates

Some companies don’t always list every policy discount very well, so the list below contains a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle could qualify for this discount.
  • Paper-free Discount – Some insurance coverage companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
  • Early Renewal Discounts – Some insurance companies provide a discount for switching companies prior to your current policy expiration. It could save around 10% when you buy insurance online.
  • Government Employees – Federal government employees could cut as much as 10% off on Dakota insurance but check with your company.
  • Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.
  • Good Driver Discount – Insureds without accidents can save as much as half off their rates on Dakota insurance compared to accident prone drivers.
  • Active Military Service – Having a family member in the military can result in better prices.
  • Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a discount up to 10% on Dakota insurance.

Don’t be shocked that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride.

Companies and some of their more popular discounts are detailed below.

  • GEICO includes discounts for anti-lock brakes, multi-policy, good student, military active duty, seat belt use, and five-year accident-free.
  • Travelers has savings for IntelliDrive, new car, continuous insurance, early quote, save driver, and student away at school.
  • Nationwide discounts include business or organization, anti-theft, easy pay, family plan, multi-policy, and good student.
  • Farmers Insurance offers premium reductions for homeowner, alternative fuel, switch companies, business and professional, mature driver, pay in full, and electronic funds transfer.
  • Esurance policyholders can earn discounts including safety device, anti-theft, multi-policy, claim free, and anti-lock brakes.
  • State Farm may have discounts that include accident-free, multiple autos, safe vehicle, anti-theft, defensive driving training, and Steer Clear safe driver discount.
  • Progressive may include discounts for online signing, continuous coverage, online quote discount, multi-vehicle, homeowner, multi-policy, and good student.
  • Mercury Insurance offers discounts including good student, accident-free, location of vehicle, type of vehicle, professional/association, age of vehicle, and ease of repair.

Check with every company to give you their best rates. All car insurance discounts may not be offered everywhere. To see a list of companies who offer discounts, click this link.

Will just any policy work for me?

When it comes to choosing coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can help discover if you might need professional guidance.

  • Are rental cars covered under my policy?
  • I don’t drive much so do I pay less?
  • Do I have coverage if my license is suspended?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are split liability limits better than a combined single limit?
  • Can I drive in Mexico and have coverage?
  • Is business property covered if stolen from my car?
  • Does my 1999 Dodge Dakota need full coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

What insurance coverages do you need?

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield and falling objects. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, loss of income, attorney fees, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, crashing into a building, scraping a guard rail and hitting a parking meter. 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 bump up the deductible in order to get cheaper collision rates.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills such as surgery, EMT expenses, dental work and hospital visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Dakota.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Have the Midas touch

There are still a few companies who do not offer online rate quotes and these small insurance companies sell through independent agents. Budget-conscious 1999 Dodge Dakota insurance is available on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Additional car insurance information can be read at the links below