Astonishing but true according to a recent study, a large majority of drivers kept their policy with the same company for at least four years, and practically 40% of auto insurance customers have never shopped around. Baltimore consumers could save themselves 55% a year, but they think it’s difficult to find cheap insurance by shopping around.
If you want to save the most money, the best way to get the cheapest Dodge Dakota insurance is to start comparing prices yearly from companies who sell insurance in Baltimore.
- First, try to learn about how your policy works and the modifications you can make to keep rates low. Many rating criteria that cause high rates like accidents, careless driving, and poor credit rating can be rectified by making minor changes to your lifestyle. Continue reading for ideas to get cheaper coverage and find overlooked discounts.
- Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while independent agencies can provide price quotes from multiple insurance companies.
- Third, compare the quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
- Fourth, provide notification to your current agent or company of your decision to cancel your existing policy. Submit the signed application along with the required initial payment to your new agent or company. Once the application is submitted, place the new certificate verifying proof of insurance with your registration paperwork.
One tip to remember is to use the same physical damage deductibles and liability limits on every price quote and and to get rate quotes from as many carriers as you can. Doing this guarantees an accurate price comparison and a good representation of prices.
If you have insurance now, you will most likely be able to save money using the techniques covered below. Obtaining price quotes for the best-priced coverage in Baltimore is simple if you know the tricks. Although Maryland vehicle owners must learn the way companies sell online because it can help you find the best coverage.
The most recommended method to compare rates for Dodge Dakota insurance in Baltimore is to know the trick auto insurance companies will pay a fee to compare their rates. The only thing you need to do is provide the companies a bit of rating information such as if a SR-22 is needed, if you went to college, if you’re married, and any included safety features. The rating information is automatically sent to many of the top insurers and you will get price comparisons almost instantly.
To check Dodge Dakota insurance prices now, click here and enter your zip code.
The companies in the list below are our best choices to provide quotes in Maryland. To buy the best auto insurance in Baltimore, it’s highly recommended you get price quotes from several of them in order to get a fair rate comparison.
The premium table displayed below showcases estimates of insurance policy prices for Dodge Dakota models. Understanding how auto insurance policy rates are established is important to be able to make smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Dakota ST Ext Cab 2WD||$292||$714||$660||$40||$198||$1,904||$159|
|Dakota Bighorn Ext Cab 2WD||$292||$714||$660||$40||$198||$1,904||$159|
|Dakota Lonestar Ext Cab 2WD||$336||$714||$660||$40||$198||$1,948||$162|
|Dakota ST Crew Cab 2WD||$336||$714||$660||$40||$198||$1,948||$162|
|Dakota Bighorn Crew Cab 2WD||$336||$840||$660||$40||$198||$2,074||$173|
|Dakota Lonestar Crew Cab 2WD||$336||$840||$660||$40||$198||$2,074||$173|
|Dakota Bighorn Ext Cab 4WD||$378||$714||$528||$32||$158||$1,810||$151|
|Dakota ST Ext Cab 4WD||$378||$714||$528||$32||$158||$1,810||$151|
|Dakota Laramie Crew Cab 2WD||$378||$840||$660||$40||$198||$2,116||$176|
|Dakota ST Crew Cab 4WD||$378||$714||$528||$32||$158||$1,810||$151|
|Dakota Lonestar Ext Cab 4WD||$378||$714||$528||$32||$158||$1,810||$151|
|Dakota Bighorn Crew Cab 4WD||$378||$714||$528||$32||$158||$1,810||$151|
|Dakota TRX Crew Cab 4WD||$378||$840||$528||$32||$158||$1,936||$161|
|Dakota TRX Crew Cab 4WD||$378||$840||$528||$32||$158||$1,936||$161|
|Dakota Lonestar Crew Cab 4WD||$378||$840||$528||$32||$158||$1,936||$161|
|Dakota Laramie Crew Cab 4WD||$422||$840||$528||$32||$158||$1,980||$165|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in specific garaging location which can increase or decrease auto insurance rates significantly.
Dodge Dakota annual premiums for males versus females
The diagram below shows the difference between Dodge Dakota insurance premiums for male and female drivers. The premiums are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The illustration below visualizes the comparison of Dodge Dakota insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.
When to drop comp and collision
There is no written rule for excluding comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Dodge Dakota replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after paying your policy deductible. If you are currently paying more than $800 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where only buying liability is not advised. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Why You Might Pay Increased Rates in Baltimore
Lots of factors are used when quoting car insurance. Some factors are common sense like an MVR report, although some other factors are less obvious such as your marital status or your commute time. It’s important that you understand some of the factors that aid in calculating the price you pay for insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get lower rates.
Pay more of a claim out-of-pocket – Comp and collision deductibles define the amount you are willing to pay before your insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, collision with a deer, and damage caused by road hazards. The higher the amount the insured is willing to pay, the bigger discount you will receive.
Extra policy coverages that may not be needed – There are a ton of optional add-on coverages that can waste your money when buying insurance. Insurance for roadside assistance, death and dismemberment, and motor club memberships may be wasting your money. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.
Long commutes cost more – The more you drive in a year’s time the more you will pay for insurance. A lot of insurance companies calculate prices based on their usage. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your policy states how each vehicle is driven. Improper usage on your Dakota may be costing you higher rates.
Where you call home can influence prices – Choosing to live in less populated areas may provide you with better prices when talking about insurance. Fewer drivers corresponds to lower accident rates. Residents of big cities regularly have more road rage incidents and more time behind the wheel. Spending more time driving means a statistically higher chance of an accident.
Higher premiums for policy lapses – Driving with no insurance is a misdemeanor and you will pay a penalty because you let your insurance coverage expire. And not only will insurance be more expensive, failure to provide proof of insurance may result in a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with the Maryland motor vehicle department to get your license reinstated.
Premiums drop with age – Older people have been proven to be more responsible, tend to cause fewer accidents, and are safer drivers. Teenage drivers are proven to be easily distracted in a vehicle and because of this, their insurance rates are much higher.
The data below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Choosing Dodge Dakota insurance is an important decision
Even though Baltimore Dakota insurance rates can get expensive, insurance may be mandatory for several reasons.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance in order to drive the car. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your vehicle has a loan, it’s guaranteed your bank will have a requirement that you have full coverage to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Dodge at a significantly higher premium and force you to pay for the expensive policy.
- Insurance safeguards both your Dodge and your assets. It will also cover many types of medical costs incurred in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the cost, especially for larger claims. An average driver in America overpays more than $810 a year so shop around at least once a year to help ensure money is not being wasted.