Save on 2002 Dodge Dakota Insurance Rates

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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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Trying to find the cheapest insurance rates for your Dodge Dakota? Have you had enough of trying to scrape together enough money each month for car insurance? You’re in the same situation as many other consumers.

Insurance companies such as Allstate and Progressive promote their brand names with advertising and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers need to price shop coverage at least once a year since rates change quite often. If you had the best deal on Dakota coverage two years ago you will most likely find a better rate today. Don’t believe everything you read about insurance on the web, but I’m going to show you some tested techniques to slash your insurance rates.

Save big with these discounts

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Some trigger automatically at quote time, but less common discounts must be asked about before you get the savings.

  • Passive Restraints and Air Bags – Factory air bags can receive discounts of 20% or more.
  • Low Mileage – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • One Accident Forgiven – A few companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Claim Free – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Resident Student – Kids in college living away from home attending college and don’t have a car may qualify for this discount.

It’s important to understand that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. But all discounts will cut the amount you have to pay.

To see a list of providers with discount car insurance rates, click here to view.

But I don’t know anything about car insurance

When it comes to buying the best car insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Can my babysitter drive my car?
  • Why am I required to buy liability insurance?
  • How do I insure my teen driver?
  • Am I covered when pulling a rental trailer?
  • What is an SR-22 filing?
  • Can I afford to pay high deductible claims out of pocket?
  • Is business equipment covered while in my vehicle?
  • Does my 2002 Dodge Dakota qualify for pleasure use?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Do you really save 40% when you switch?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to make the same claim about savings if you switch to their company. How does each company make almost identical claims?

Insurance companies have a certain “appetite” for the type of customer that is profitable for them. A good example of a driver they prefer might be profiled as a mature driver, has no prior claims, and has a high credit rating. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to save when they switch companies.

Potential customers who don’t measure up to this ideal profile must pay a more expensive rate and ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how insurance companies can advertise the way they do.

This illustrates why you need to compare many company’s rates. It is impossible to predict which company will have the lowest Dodge Dakota insurance rates.

Specific coverage details

Having a good grasp of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most car insurance policies.

Collision – Collision coverage pays for damage to your Dakota resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

UM/UIM Coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Dakota.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these limits are similar to your liability insurance amounts.

Auto liability – Liability insurance will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage, loss of income and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as rehabilitation expenses, prosthetic devices, hospital visits, funeral costs and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, rock chips in glass, hitting a deer, hail damage and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Compare but don’t skimp

When you buy insurance online, never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We just covered many tips how you can reduce 2002 Dodge Dakota insurance prices online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a small mutual company. These companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

To learn more, feel free to browse these articles:

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