Cheap 2004 Dodge Dakota Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Dodge Dakota? No car owner looks forward to paying for insurance coverage, especially when they know they could find better rates elsewhere.

Numerous auto insurance companies battle to insure your vehicles, so it’s not easy to compare every insurance company to find the absolute lowest price

It’s a good idea to compare premium rates at least once a year because insurance coverage rates go up and down regularly. Even if you got the best deal for Dakota insurance on your last policy you will most likely find a better price today. Ignore everything you know about insurance coverage because you’re about to learn the only way to save on insurance coverage.

Compare free car insurance quotes

Shopping for lower car insurance rates is a ton of work if you don’t know the fastest way to get free quotes. You can waste a lot of time talking about coverages with agents in your area, or you can stay home and use the web to achieve your goal.

Most of the best insurance companies participate in a marketplace where prospective buyers submit their information once, and every company then returns a price quote for coverage. This prevents consumers from doing form submissions to every company.

To compare rates using this form now click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose which companies to get quotes from. So if you want to choose specific insurance companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click to view list.

Which method you use is up to you, but make sure you use nearly identical coverage limits and deductibles for each comparison quote. If you are comparing different data it’s impossible to determine which rate is truly the best. Slightly different insurance coverages may cause a big price difference. And when quoting car insurance, remember that getting more free quotes helps increase your odds of locating a lower rate.

Find Dodge Dakota insurance for less

Many different elements are used when you get your auto insurance bill. Most are fairly basic such as your driving history, but others are not as apparent like your continuous coverage or your financial responsibility.

  • With age comes lower prices – Older insureds are more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Teenage drivers tend to be careless and easily distracted when driving and because of this, their insurance rates are much higher.
  • Liability coverage – A critical coverage on your policy, liability insurance will provide protection if you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should carry high limits.
  • Gender impacts prices – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean females are better drivers. Men and women cause auto accidents in similar numbers, but men cause more damage and cost insurance companies more money. Not only that, but men also receive more costly citations like DUI and reckless driving.
  • Consolidate and save – Most companies afford better rates to clients that buy multiple policies. It’s known as a multi-policy discount. This can amount to as much as ten percent or more Even though this discount sounds good, it’s still a good idea to shop around to guarantee you are still saving the most. You may still find better rates by buying insurance from a different company.
  • Safer the car lower the rate – Vehicles that have high safety ratings tend to be cheaper to insure. These vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less which can mean better rates for you. If your Dodge Dakota scored better than four stars on Safercar.gov you may qualify for a discount.
  • Big cities have higher prices – Living in less populated areas has definite advantages when shopping for auto insurance. People who live in big cities regularly have much more traffic and much longer commute distances. Lower population means less chance of accidents and lower theft and vandalism rates.
  • Low physical damage deductibles can be expensive – Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Examples of some claims that would be covered are a dented fender, vandalism, and windstorm damage. Your deductibles state the amount of money you are required to pay in the event of a claim. The more expense you’re willing to pay, the less your company will charge you for insurance for Dakota insurance.
  • A good credit rating can save money – Having a bad credit history can be an important factor in calculating your premium rate. People that have excellent credit tend to be better risks to insure than drivers with worse credit. If your credit leaves room for improvement, you may save money insuring your 2004 Dodge Dakota by improving your credit score.

Get lower-cost insurance rates with discounts

Companies offering auto insurance don’t always publicize every disount available in a way that’s easy to find, so we researched both well-publicized as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

  • Senior Discount – Seniors can possibly qualify for a discount up to 10% for Dakota insurance.
  • Onboard Data Collection – Insureds that choose to allow their company to track where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get substantially lower prices.
  • Discounts for New Vehicles – Buying coverage on a new vehicle can save you some money since new model year vehicles are generally safer.
  • Good Grades Discount – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Home Ownership Discount – Owning your own home or condo can save a few bucks since owning and maintaining a home demonstrates responsibility.
  • Military Rewards – Having an actively deployed family member could be rewarded with lower rates.
  • Professional Memberships – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount when getting a auto insurance quote.
  • Accident Free – Claim-free drivers have much lower rates in comparison to drivers with a long claim history.

We need to note that some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

Popular insurance companies and some of the discounts can be found below.

  • Travelers policyholders can earn discounts including multi-policy, save driver, home ownership, payment discounts, and continuous insurance.
  • 21st Century offers discounts including good student, 55 and older, early bird, air bags, and driver training.
  • State Farm may include discounts for multiple autos, defensive driving training, Steer Clear safe driver discount, good driver, multiple policy, and safe vehicle.
  • GEICO offers discounts for seat belt use, daytime running lights, five-year accident-free, anti-lock brakes, and multi-policy.
  • SAFECO has savings for bundle discounts, drive less, accident prevention training, anti-lock brakes, anti-theft, and teen safety rewards.
  • AAA may have discounts that include education and occupation, good student, anti-theft, pay-in-full, multi-car, and AAA membership discount.

Double check with every company to give you their best rates. Some discounts listed above may not be available in your area. For a list of insurers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you would benefit from professional advice.

  • I don’t drive much so do I pay less?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 2004 Dodge Dakota?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my Dodge Dakota covered if I use it for business?
  • Are rock chip repairs covered?
  • Are split liability limits better than a combined single limit?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Specifics of your insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Liability coverages

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like emergency aid, pain and suffering, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like ambulance fees, hospital visits and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, damage from getting keyed, rock chips in glass and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This pays for damage to your Dakota caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Pennies from heaven

We just presented quite a bit of information on how to shop for 2004 Dodge Dakota insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best prices are with a small mutual company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Budget-friendly auto insurance can be purchased online in addition to local insurance agencies, and you should be comparing both to have the best selection. Some insurance companies may not provide rates over the internet and usually these small insurance companies provide coverage only through independent insurance agencies.

For more information, take a look at these articles: