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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: May 12, 2022

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Looking for cheaper insurance rates for your Dodge Dakota? I can’t think of a single person who likes paying for insurance, in particular when they are paying too much.

Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates to get the lowest cost out there.

Consumers need to get comparison quotes occasionally due to the fact that insurance rates change frequently. Just because you found the best deal on Dakota insurance on your last policy you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance on the web, but by reading this article, you’re going to learn some great ways to slash your insurance rates.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Buying car insurance is quite easy. But drivers benefit from understanding the way companies compete online.

Where Can I Get Cheap Insurance Coverage?

There are a variety of methods to compare 2000 Dodge Dakota insurance coverage quotes, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get prices fast.

The majority of car insurance companies belong to a marketplace where prospective buyers enter their policy data once, and every company provides a quote based on the submitted data. This system prevents you from having to do quote requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose which carriers you want to price. If you wish to select from a list of companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

Whichever method you choose, compare exactly the same coverages for every quote you compare. If you compare different limits and deductibles on each one you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages may result in large price differences. And when comparison shopping, having more price comparisons will improve the odds of getting a lower rate.

Pay less by taking advantage of discounts

The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Club Memberships – Participating in a civic or occupational organization may earn a discount when buying insurance on Dakota insurance.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
  • No Claims – Good drivers with no accidents can save substantially compared to drivers who are more careless.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings up to 30%.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Resident Student – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Dakota insurance than drivers with accident claims.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.

Keep in mind that most discounts do not apply the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will cut your overall premium however.

For a list of providers with discount insurance rates, click here to view.

Your coverage should be tailored to you

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • What is UM/UIM insurance?
  • Is my 2000 Dodge Dakota covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Dodge Dakota rates are in the details

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to better car insurance rates.

Shown below are a few of the “ingredients” car insurance companies consider when setting prices.

  • Rural vs Urban Areas – Choosing to live in small towns and rural areas is a positive aspect when insuring your vehicles. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas regularly have more traffic problems and longer commute times. Higher commute times translates into higher accident risk.
  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Women and men have accidents in similar numbers, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Do you need those extra coverages? – There are a ton of extra bells and whistles you can purchase on your Dakota policy. Insurance for vanishing deductibles, better glass coverage and motor club memberships are examples of these. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Never go without insurance – Letting your insurance expire will be a quick way to bump up your car insurance costs. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Traffic violations increase rates – Your driving citation history impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance than bad drivers. Only having one moving violation can boost insurance rates forty percent or more. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • How your age affects price – Teen drivers are known to be careless and easily distracted in a vehicle so car insurance rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.

Insurance coverages explained

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on people or other property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as funeral expenses, pain and suffering, loss of income, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for bills like rehabilitation expenses, doctor visits and ambulance fees. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Dakota.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for collisions

Collision coverage covers damage to your Dakota resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, rolling your car, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hail damage, damage from getting keyed and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop. Compare. Save.

Throughout this article, we presented many tips how you can compare 2000 Dodge Dakota insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the best prices are with a lesser-known regional company. Some small companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret they didn’t have enough coverage. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

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