2007 Dodge Dakota Insurance Rates – 8 Tips to Save
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UPDATED: May 12, 2022
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Searching for cheaper insurance coverage rates for your Dodge Dakota? No one in their right mind cherishes buying insurance coverage, in particular when the cost is way too high. Drivers have multiple car insurance companies to pick from, and though it is a good thing to have multiple companies, so many choices can make it hard to find the best rates.
It’s a great practice to compare prices on a regular basis since rates fluctuate regularly. Just because you found the lowest price for Dakota insurance a few years ago there may be better deals available now. There is a lot of bad advice regarding insurance coverage on the internet, so with this article, you’re going to get some great ideas on how to put money back in your pocket.
How to Get Auto Insurance
Lowering your 2007 Dodge Dakota auto insurance rates is actually quite simple. Just take the time comparing price quotes online from several insurance companies. This can be accomplished in a couple of different ways.
- Probably the best way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This method saves time by eliminating boring form submissions to each individual auto insurance company. A single form gets you price quotes from multiple companies.
- A different way to compare rate quotes consists of going to the website for every company you want to comare to complete their respective quote request forms. For example, we’ll pretend you want to compare rates from Liberty Mutual, Progressive and Travelers. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
- The hardest way to get comparison rates is driving to and from local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the personal advice of a licensed agent. However, consumers can compare the best prices online and get advice from an agent in your area and we’ll touch on that later.
Whichever method you choose, compare apples-to-apples coverage limits with each company. If you enter unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best.
Switch companies and save? Really?
Consumers can’t get away from ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim that you can save if you change your policy.
How does each company make almost identical claims? It’s all in the numbers.
Different companies have a preferred profile for the driver they prefer to insure. A good example of a profitable customer might be over the age of 50, has no prior claims, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.
Potential customers who don’t meet these standards will have to pay a higher premium which leads to business not being written. Company advertisements say “customers that switch” not “people who quote” save money. This is how insurance companies can confidently make those claims. Because of the profiling, it is so important to get a wide range of price quotes. It’s just too difficult to predict which company will give you the biggest savings on Dodge Dakota insurance.
Take advantage of discounts
Companies that sell car insurance don’t list every available discount very well, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance. If you don’t get every credit you deserve, you’re paying more than you need to.
- New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Auto/Home Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
- Resident Student – Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
- Own a Home – Simply owning a home may trigger a auto insurance policy discount because owning a home requires personal responsibility.
- Save over 55 – Older drivers may receive better auto insurance rates for Dakota insurance.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
- Government Employees – Simply working for the federal government can save as much as 8% for Dakota insurance with a few auto insurance companies.
Keep in mind that most credits do not apply the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way.
To see a list of insurance companies with the best auto insurance discounts, follow this link.
How to know if you need help
When choosing coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining if you might need an agent’s assistance.
- Does my 2007 Dodge Dakota qualify for pleasure use?
- Am I covered when using my vehicle for business?
- Am I covered if I crash into my own garage door?
- Are my tools covered if they get stolen from my vehicle?
- Do I need motorclub coverage?
- Are there companies who specialize in insuring high-risk drivers?
- Can my teen driver be rated on a liability-only vehicle?
- Do I need replacement cost coverage?
If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.
Insurance coverage basics
Understanding the coverages of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.
Coverage for collisions
Collision insurance covers damage to your Dakota resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things like colliding with a tree, rolling your car, driving through your garage door, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for hospital visits, ambulance fees, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
This provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims such as structural damage, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they 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.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as hitting a deer, hitting a bird, vandalism, damage from flooding and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Get your money’s worth
Low-cost 2007 Dodge Dakota insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.
We just presented quite a bit of information on how to get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the biggest savings come from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.
More tips and info about auto insurance is located by following these links:
- Insurance Losses by Make and Model (iihs.org)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- Rollover Crash FAQ (iihs.org)
- Safe Vehicles for Teens (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Where can I buy Insurance? (Insurance Information Insitute)
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