Do you want to learn to get cheaper Dodge Dakota insurance in Virginia Beach? Having to pay for pricey car insurance in Virginia Beach can drain your savings and make it impossible to make ends meet. Doing a rate analysis is a great way to cut your insurance bill.
Surprisingly, a recent survey revealed that nearly 70% of consumers have stayed with the same insurance company for at least the last four years, and almost half have never compared rate quotes at all. Most drivers in Virginia Beach could save themselves about 45% a year, but they don’t want to spend time to go online and compare rates. Numerous car insurance companies battle for your business, and because of this it can be hard to compare insurance companies and uncover the absolute lowest cost out there.
It’s a great practice to quote other rates on a regular basis since insurance prices tend to go up over time. Just because you found the best deal on Dodge Dakota insurance in Virginia Beach on your last policy there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about car insurance because you’re going to learn the things you must know in order to find lower rates on car insurance.
The car insurance companies shown below offer price comparisons in Virginia. To locate cheap car insurance in Virginia, it’s a good idea that you get rate quotes from several of them to find the lowest car insurance rates.
Companies offer many types of discounts on Dodge Dakota insurance in Virginia Beach
Auto insurance is easily one of your largest bills, but you may be missing some discounts that could help you make your next renewal payment. Some trigger automatically at the time of purchase, but a few must be asked for prior to getting the savings.
- Multi-car Discount – Drivers who insure multiple vehicles with one company can reduce rates for all insured vehicles.
- Distant College Student Discount – Older children who are attending college and leave their car at home could qualify for this discount.
- Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off depending on your auto insurance provider.
- Clubs and Organizations – Belonging to certain professional organizations could qualify you for a break on your bill.
- Drive Less and Save – Driving less could be rewarded with cheaper auto insurance rates.
- Anti-theft Discount – Cars and trucks with anti-theft systems help deter theft and can earn a small discount on your policy.
- E-sign – Some companies provide a small discount for signing up over the internet.
- Telematics Data – Virginia Beach drivers who agree to allow data collection to track when and where they use their vehicle by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
- Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings as much as 30%.
- Bundled Policy Discount – When you have multiple policies with one company they may give you a discount of approximately 10% to 15%.
A quick disclaimer, many deductions do not apply to the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.
The chart below compares Dodge Dakota auto insurance rates with and without discounts applied to the policy premium. The costs are based on a female driver, no violations or accidents, Virginia state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, multi-car, claim-free, and safe-driver discounts applied.
Larger auto insurance companies and some of the discounts are shown below.
- State Farm discounts include accident-free, good driver, driver’s education, multiple autos, good student, Steer Clear safe driver discount, and passive restraint.
- GEICO may include discounts for daytime running lights, driver training, membership and employees, defensive driver, multi-vehicle, federal employee, and multi-policy.
- SAFECO may have discounts that include teen safe driver, bundle discounts, safe driver, teen safety rewards, drive less, and multi-car.
- Farmers Insurance includes discounts for distant student, teen driver, electronic funds transfer, alternative fuel, early shopping, business and professional, and homeowner.
- AAA offers discounts for education and occupation, AAA membership discount, multi-policy, pay-in-full, and multi-car.
- USAA offers discounts including safe driver, multi-vehicle, vehicle storage, driver training, and good student.
If you are trying to find affordable Virginia Beach auto insurance quotes, ask every company which discounts can lower your rates. Discounts might not apply everywhere. To choose insurance companies with significant discounts in Virginia Beach, click this link.
Insurance analysis for a Dodge Dakota
The premium table shown below outlines estimates of insurance prices for Dodge Dakota models. Being more informed about how rate quotes are calculated helps drivers make informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Dakota ST Ext Cab 2WD||$158||$308||$332||$20||$100||$918||$77|
|Dakota Bighorn Ext Cab 2WD||$158||$308||$332||$20||$100||$918||$77|
|Dakota Lonestar Ext Cab 2WD||$180||$308||$332||$20||$100||$940||$78|
|Dakota ST Crew Cab 2WD||$180||$308||$332||$20||$100||$940||$78|
|Dakota Bighorn Crew Cab 2WD||$180||$364||$332||$20||$100||$996||$83|
|Dakota Lonestar Crew Cab 2WD||$180||$364||$332||$20||$100||$996||$83|
|Dakota Bighorn Ext Cab 4WD||$204||$308||$266||$16||$80||$874||$73|
|Dakota ST Ext Cab 4WD||$204||$308||$266||$16||$80||$874||$73|
|Dakota Laramie Crew Cab 2WD||$204||$364||$332||$20||$100||$1,020||$85|
|Dakota ST Crew Cab 4WD||$204||$308||$266||$16||$80||$874||$73|
|Dakota Lonestar Ext Cab 4WD||$204||$308||$266||$16||$80||$874||$73|
|Dakota Bighorn Crew Cab 4WD||$204||$308||$266||$16||$80||$874||$73|
|Dakota TRX Crew Cab 4WD||$204||$364||$266||$16||$80||$930||$78|
|Dakota TRX Crew Cab 4WD||$204||$364||$266||$16||$80||$930||$78|
|Dakota Lonestar Crew Cab 4WD||$204||$364||$266||$16||$80||$930||$78|
|Dakota Laramie Crew Cab 4WD||$228||$364||$266||$16||$80||$954||$80|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific Virginia Beach garaging location which can raise or lower auto insurance rates considerably.
Bad driving habits will cost you more
The diagram below highlights how speeding tickets and accidents influence Dodge Dakota yearly insurance costs for each different age group. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
Dodge Dakota full coverage rates compared to liability only
The diagram below illustrates the difference between Dodge Dakota auto insurance costs with liability coverage only compared to full coverage. The price estimates are based on no claims or driving citations, $100 deductibles, single marital status, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no exact rule for excluding full coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Dodge Dakota claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying your policy deductible. If it’s costing in excess of $400 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some conditions where dropping physical damage coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.
Find Dodge Dakota Insurance for Less
Many things are taken into consideration when quoting car insurance. Some are pretty understandable like your driving record, but other criteria are less apparent such as your credit history or how safe your car is. Smart consumers have a good feel for some of the things that aid in calculating your car insurance rates. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
The factors shown below are some of the most common factors used by insurance companies to determine prices.
What are good liability limits? – Liability insurance will provide protection if you are determined to be liable for causing damage or personal injury in an accident. This coverage provides you with a defense in court to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
Insurance is expensive for teenage drivers – Young drivers in Virginia are proven to be inattentive and easily distracted behind the wheel so they pay higher car insurance rates. Mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and are safer drivers.
The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
No car insurance claims equals cheap car insurance rates – Auto insurance companies in Virginia provide the lowest premiums to policyholders who do not rely on their insurance for small claims. If you file a lot of claims you can look forward to higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
More performance means more cost – The performance of the car you are insuring makes a significant difference in how high your rates are. The best insurance prices will normally be found when insuring smaller low performance passenger cars, but other factors influence the final cost greatly.
The following data assumes a single female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It compares Dodge Dakota rates compared to other models that have a range of performance risks.
Five star IIHS safety rating saves money – Vehicles with good safety scores tend to have lower insurance rates. Safer cars reduce injuries and reduced instances of injuries means less money paid by your insurance company and lower rates for you. If your Dodge Dakota earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
Add-on coverages can add up – There are a lot of extra coverages that may not really be needed if you don’t pay attention. Coverages for vanishing deductibles, better glass coverage, and motor club memberships are probably not needed. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.