2007 Dodge Dakota Insurance Rates – 5 Tricks for Cheapest Quotes

Purchasing cheap car insurance online is intimidating for people who are new to comparison shopping online. With a ridiculous number of insurers to choose from, how can you even start to compare them all to find the lowest rates?

It’s a good habit to shop coverage around occasionally since insurance rates are variable and change quite frequently. If you had the best price for Dakota insurance two years ago you may be paying too much now. So forget anything you know (or think you know) about car insurance because we’re going to show you the fastest way to save on car insurance.

Finding the best rates is not that difficult. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Although car owners do need to learn how companies sell online because it can help you find the best coverage.

Finding Insurance Coverage Deals

When shopping for insurance coverage there are multiple ways of comparing rate quotes from insurance coverage companies in your area. The easiest way by far to compare 2007 Dodge Dakota insurance prices is simply to get online rate quotes. This can be accomplished in a couple of different ways.

The recommended way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do boring form submissions for each company you want a rate for. Just one form gets you price quotes from multiple companies. This is perfect if you don’t have a lot of time.
A harder way to get quotes online consists of visiting each company’s website and complete a new quote form. For instance, let’s say you want rates from Auto-Owners, State Farm and Progressive. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
The least efficient way of comparing rate quotes is to drive around to insurance agents’ offices. Shopping for insurance coverage online makes this process obsolete unless you have a need for the professional guidance of a licensed agent. However, consumers can comparison shop your insurance online but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage information on every quote you get. If you have different deductibles it will be very difficult to determine the lowest rate for your Dodge Dakota. Just a small difference in insurance coverages can result in a big premium difference. Just remember that comparing more company’s prices helps you find a better price.

Save money by taking advantage of these five discounts

Companies don’t always advertise every discount in an easy-to-find place, so here is a list both the well known and the more hidden car insurance savings.

Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
Claim Free – Drivers who don’t have accidents pay much less when compared to frequent claim filers.
Defensive Driving Course – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
Federal Employees – Employees or retirees of the government can save as much as 8% for Dakota insurance depending on your company.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies who might offer these benefits include:

Check with every prospective company which discounts you may be entitled to. Some discounts may not apply everywhere.

When should I use an insurance agent?

When it comes to choosing adequate coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine if your situation might need professional guidance.

Is my state a no-fault state?
Am I better off with higher deductibles on my 2007 Dodge Dakota?
Is my trailer covered?
How much liability do I need to cover my assets?
What is the rate difference between pleasure use and commuting?
Do I really need UM/UIM coverage?
Am I covered when using my vehicle for business?
What if I owe more than I can insure my car for?
Am I covered if I drive in a foreign country?
Why am I required to buy liability insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Dodge Dakota.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

This coverage covers damage to your Dakota caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, crashing into a ditch, crashing into a building, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, medical expenses, medical services, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, a broken windshield, damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, X-ray expenses, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage