1994 Dodge Dakota Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 13, 2015

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Looking for better insurance rates for your Dodge Dakota? Searching for affordable insurance over the internet may be difficult for consumers new to price shopping online. With dozens of companies competing online, how can drivers possibly compare every company to locate the lowest price?

If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Finding more affordable car insurance coverage is not that difficult. Although consumers must learn the methods companies use to price insurance differently and take advantage of how the system works.

Why your Dodge Dakota insurance rates may be high

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

  • Mature drivers pay less – Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers are known to be less responsible in a vehicle therefore car insurance rates are much higher.
  • Bump up deductibles to save – Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered are running into the backend of another car, vandalism, and windstorm damage. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Dakota coverage.
  • Poor driving leads to higher costs – Your driving record has a lot to do with how much you pay for insurance. Even a single ticket can increase rates by twenty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Your occupation can affect rates – Occupations such as real estate brokers, social workers and financial analysts have higher average rates due to high stress and long work hours. Conversely, occupations such as scientists, engineers and retirees get better rates on Dakota coverage.
  • Pay less after the wedding – Being married can get you a discount on your car insurance policy. Marriage means you’re more mature and responsible and statistics show being married results in fewer claims.
  • Small claims can cost you – Auto insurance companies award cheaper rates to drivers who are claim-free. If you frequently file small claims, you can look forward to higher rates. Insurance coverage is designed for larger claims.
  • More than one policy can earn a discount – Many insurers provide better rates to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount you still need to compare other company rates to ensure the best deal.
  • Extra coverages can waste money – There are a lot of extra coverages that you can get tricked into buying on your car insurance policy. Things like roadside assistance, accidental death and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they’re wasting money remove them from your policy.

Discounts are basically free money

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically when you quote, but a few need to be specially asked for before you get the savings.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Dakota coverage with select insurance companies.
  • New Vehicle Savings – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could qualify for lower rates on the low mileage vehicles.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. But any discount will reduce the amount you have to pay.

Companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask each company what discounts are available to you. Discounts may not be available in your area.

Which insurance is the “right” coverage?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions could help you determine whether you would benefit from professional advice.

  • If my 1994 Dodge Dakota is totaled, can I afford another vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Where can I get insurance after a DUI in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can my teen driver be rated on a liability-only vehicle?
  • When can I cancel my policy?
  • How much liability do I need to cover my assets?
  • Does my policy pay for OEM or aftermarket parts?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Coverage specifics

Understanding the coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for things like chiropractic care, surgery, dental work, doctor visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

This protects you from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1994 Dodge Dakota.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

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

Collision coverage protects against things like hitting a mailbox, rolling your car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from getting keyed, hitting a bird and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

A little work can save a LOT of money

People switch companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, lack of trust in their agent and even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be pretty painless.

Budget-conscious 1994 Dodge Dakota insurance is definitely available on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where someone dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

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