2010 Dodge Dakota Insurance Quotes – 10 Ideas for Best 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 better insurance prices for a new or used Dodge Dakota can turn out to be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare insurance rates and you need to know the absolute fastest way to get price quotes for a new or used Dodge and locate the lowest price from both online companies and local agents.

It’s a good idea to take a look at other company’s rates at least once a year since insurance rates are usually higher with each renewal. Just because you had the best rates for Dakota insurance six months ago other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to demonstrate one of the quickest ways to find great coverage at a great price.

Finding the best rates is not rocket science. If you have a current insurance policy or are looking for a new policy, you can learn to find better prices while maintaining coverages. Drivers just need to learn the best way to buy insurance online.

Are you getting all your discounts?

Companies don’t necessarily list every discount very well, so we researched some of the more common and the more hidden savings tricks you should be using. If you don’t get every credit possible, you are paying more than you should be.

  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Low Mileage – Fewer annual miles on your Dodge can qualify you for discounted rates on garaged vehicles.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Paperwork-free – Certain companies give back up to $50 simply for signing on their website.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Homeowners Savings – Owning a house can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.

It’s important to understand that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

For a list of companies with discount auto insurance rates, follow this link.

When might I need an agent?

When it comes to buying adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

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

  • Which companies will insure high-risk drivers?
  • Is my trailer covered?
  • Is my Dodge Dakota covered if I use it for business?
  • Why does it cost so much to insure a teen driver?
  • How does medical payments coverage work?
  • When do I need to add a new car to my policy?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Advertising myths

Consumers constantly see and hear ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to say the same thing about savings after switching to their company.

How do they all make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a desirable insured could be between 25 and 40, has no driving citations, and has great credit. A customer that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who do not match this ideal profile will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s why insurance companies can advertise the way they do. This emphasizes why you should get quotes from several different companies. Because you never know the company that will provide you with the cheapest Dodge Dakota insurance rates.

Insurance specifics

Understanding the coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, medical services and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, a broken windshield and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for hospital visits, X-ray expenses, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, hitting a mailbox, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Dodge Dakota.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Get your money’s worth

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage only to regret at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage at an affordable rate.

You just learned some good ideas how to reduce 2010 Dodge Dakota insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest premiums are with a small mutual company.

Cost effective insurance can be found both online as well as from independent agents, so compare prices from both to have the best rate selection. A few companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

To read more, take a look at these articles:

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