Vehicle owners that are new to comparing auto insurance quotes on the internet can find locating low cost Dodge Dakota insurance is harder than it should be.
How to find cheaper rates for Dodge Dakota insurance in Irvine
Really, the only way to find more affordable auto insurance rates in Irvine is to begin comparing prices regularly from insurance carriers who provide car insurance in California.
- First, read about how companies price auto insurance and the modifications you can make to prevent high rates. Many policy risk factors that are responsible for high rates like distracted driving and poor credit history can be remedied by making small lifestyle or driving habit changes. This article gives information to prevent expensive rate increases and find additional discounts.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide prices from multiple sources.
- Third, compare the new quotes to your current policy premium and determine if there is any savings. If you can save some money and change companies, verify that coverage does not lapse between policies.
- Fourth, provide written notification to your current company of your intent to cancel your current car insurance policy and submit a down payment along with a signed application to the new company. When you receive it, safely store the proof of insurance certificate in your glove compartment.
One thing to point out is that you’ll want to compare the same physical damage deductibles and liability limits on each quote and and to get rates from as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and a complete price analysis.
Sad but true, a large majority of car insurance policyholders have bought car insurance from the same company for at least four years, and 38% of customers have never shopped around. Many drivers in Irvine could save almost 35% every year by just shopping around, but most undervalue the benefits if they bought a different policy.
Car insurance statistics for a Dodge Dakota
The data table below outlines detailed analysis of insurance costs for Dodge Dakota models. Having a good understanding how prices are determined helps drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Dakota ST Ext Cab 2WD | $286 | $650 | $718 | $42 | $214 | $1,910 | $159 |
| Dakota Bighorn Ext Cab 2WD | $286 | $650 | $718 | $42 | $214 | $1,910 | $159 |
| Dakota Lonestar Ext Cab 2WD | $328 | $650 | $718 | $42 | $214 | $1,952 | $163 |
| Dakota ST Crew Cab 2WD | $328 | $650 | $718 | $42 | $214 | $1,952 | $163 |
| Dakota Bighorn Crew Cab 2WD | $328 | $766 | $718 | $42 | $214 | $2,068 | $172 |
| Dakota Lonestar Crew Cab 2WD | $328 | $766 | $718 | $42 | $214 | $2,068 | $172 |
| Dakota Bighorn Ext Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Dakota ST Ext Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Dakota Laramie Crew Cab 2WD | $370 | $766 | $718 | $42 | $214 | $2,110 | $176 |
| Dakota ST Crew Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Dakota Lonestar Ext Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Dakota Bighorn Crew Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Dakota TRX Crew Cab 4WD | $370 | $766 | $574 | $34 | $172 | $1,916 | $160 |
| Dakota TRX Crew Cab 4WD | $370 | $766 | $574 | $34 | $172 | $1,916 | $160 |
| Dakota Lonestar Crew Cab 4WD | $370 | $766 | $574 | $34 | $172 | $1,916 | $160 |
| Dakota Laramie Crew Cab 4WD | $412 | $766 | $574 | $34 | $172 | $1,958 | $163 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific garaging location which can influence auto insurance rates significantly.
Dodge Dakota insurance rates by gender
The chart below shows the comparison of Dodge Dakota insurance costs for male and female drivers. The prices are based on no claims or driving violations, full coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Should you buy full coverage?
The diagram below visualizes the comparison of Dodge Dakota auto insurance costs when comparing full coverage to liability only. The information is based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no other discounts are factored in.
When to buy liability coverage only
There is no written rule for dropping full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Dodge Dakota book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying in excess of $200 a year to have full coverage, then you might consider buying liability only.
There are some cases where only buying liability is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Informed Drivers Can Cut Their Insurance Prices
Lots of things are considered when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other factors are not quite as obvious like your vehicle usage or how financially stable you are.
Big cities mean more claims – Choosing to live in areas with lower population can save you money if you are looking for the lowest rates. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates. City drivers tend to have more auto accidents and much longer commute distances. Longer commute distances means more chance of being in an accident.
Vehicles with better crash test results save money – Safe vehicles tend to have better insurance rates. Safer cars have better occupant injury protection and reduced instances of injuries translates directly to fewer claims and thus lower rates.
Commute or pleasure use – The higher the mileage driven every year the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Cars and trucks not used for work or commuting can get a lower rate than cars that get driven a lot. Ask your agent if your policy is rated on how each vehicle is driven, because it can save money. An incorrectly rated Dakota is throwing money out the window.
Premiums are impacted by vehicle performance – The type of car or truck you are buying insurance for makes a big difference in your auto insurance rates. The lowest rates are for the lowest performance passenger vehicles, but other factors influence the final cost greatly.
The following chart assumes a married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. The data compares Dodge Dakota car insurance rates compared to other makes and models that have different performance risks.
Never go without car insurance – Having an insurance coverage lapse is a fast way to increase your renewal premiums. And not only will your rates increase, getting caught without coverage can result in fines and jail time.
Deter car thieves – Buying a car with an alarm system can get you a discount on your car insurance. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
Claim-free discounts can add up – If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Auto insurance companies in California provide better rates to policyholders who file claims infrequently. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Bad credit will cost you – An insured’s credit history is a large factor in determining premium rates. Therefore, if your credit could use some work, you could save money insuring your Dodge Dakota by improving your credit score. Consumers who have high credit scores tend to be more responsible and file fewer claims as compared to drivers with poor credit scores.
Don’t give up on affordable rates
Some companies don’t offer online rate quotes and usually these regional carriers only sell coverage through local independent agencies. The cheapest Dodge Dakota insurance in Irvine is attainable from both online companies and with local Irvine insurance agents, and you need to price shop both in order to have the best price selection to choose from.
We just showed you some good ideas how to find lower-cost Dodge Dakota insurance in Irvine. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Irvine car insurance quotes. Consumers may even find the best premium rates are with an unexpected company.
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.
How to find more affordable Dodge Dakota insurance in Irvine
To save the most money, the best way to get low-cost Dodge Dakota insurance is to compare quotes annually from insurance carriers in Irvine. You can compare prices by following these steps.
Step 1: Try to comprehend auto insurance and the things you can control to lower rates. Many factors that are responsible for high rates such as traffic citations and a not-so-good credit history can be rectified by making small lifestyle or driving habit changes.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can quote prices from many different companies. View prices
Step 3: Compare the new rates to your existing rates to see if a cheaper rate is available. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important bit of advice to remember is to compare identical limits and deductibles on every quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this enables an apples-to-apples comparison and a thorough selection of prices.
Additional detailed information can be read in these articles:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How Much are Irvine Car Insurance Quotes for a School Permit? (FAQ)
- What Insurance is Cheapest for a Ford Fusion in Irvine? (FAQ)
- What Car Insurance is Cheapest for 19 Year Olds in Irvine? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Honda Pilot in Irvine? (FAQ)
- Who Has the Cheapest Irvine Car Insurance for a Honda Accord? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Rental Car Insurance Tips (Insurance Information Institute)
- Determining Auto Insurance Rates (GEICO)
- Liability Insurance Coverage (Nationwide)