Auto Insurance Quotes for a Dodge Dakota in Plano

Insurance for Dodge DakotaDo you want to learn to get lower-priced car insurance rates in Plano, TX? Plano shoppers have options when shopping for affordable Dodge Dakota insurance. They can either waste time calling around to compare prices or leverage the internet to compare rates.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to quote coverages on a Dodge and get the best price possible.

Astonishing but true according to a recent study, over 70% of consumers have purchased from the same company for over three years, and nearly 40% of drivers have never compared rate quotes at all. With the average premium in Texas being $2,680, drivers could save almost 70% each year by just comparing quotes, but they just don’t want to compare rate quotes.

If you have a policy now or just want a better rate, you can use these techniques to reduce the price you pay and still have adequate protection. These tips will help educate you on how to get online quotes and some tips to save money. Smart buyers just have to understand the tricks to compare rates from many different companies.

Getting more affordable car insurance pricing isn’t really that difficult. All you need to do is invest a few minutes comparing rate quotes to discover which company has affordable Plano auto insurance quotes.

The providers in the list below provide quotes in Texas. If your goal is to find cheap auto insurance in Texas, we suggest you get price quotes from several of them in order to find the lowest rates.

Lower rates by qualifying for discounts

Some companies don’t always publicize every discount in a way that’s easy to find, so the list below gives a summary of a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy Plano auto insurance online.Cheaper auto insurance with discounts

Don’t be surprised that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, companies don’t profit that way.

The example below shows the comparison of Dodge Dakota insurance rates with and without discounts applied. The premium estimates are based on a male driver, no violations or claims, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, claim-free, and homeowner discounts applied.

A list of auto insurance companies and a summarized list of policyholder discounts can be read below.

Before buying, ask each insurance company to apply every possible discount. Depending on the company, some discounts may not be available in every state. To see companies offering auto insurance discounts in Plano, click this link.

Rates and other information

The coverage table below covers detailed analysis of policy rates for Dodge Dakota models. Having a better understanding of how policy rates are established is important for making smart choices when purchasing an auto insurance policy.

Dodge Dakota Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Dakota ST Ext Cab 2WD $180 $312 $624 $36 $186 $1,338 $112
Dakota Bighorn Ext Cab 2WD $180 $312 $624 $36 $186 $1,338 $112
Dakota Lonestar Ext Cab 2WD $208 $312 $624 $36 $186 $1,366 $114
Dakota ST Crew Cab 2WD $208 $312 $624 $36 $186 $1,366 $114
Dakota Bighorn Crew Cab 2WD $208 $368 $624 $36 $186 $1,422 $119
Dakota Lonestar Crew Cab 2WD $208 $368 $624 $36 $186 $1,422 $119
Dakota Bighorn Ext Cab 4WD $234 $312 $500 $30 $150 $1,226 $102
Dakota ST Ext Cab 4WD $234 $312 $500 $30 $150 $1,226 $102
Dakota Laramie Crew Cab 2WD $234 $368 $624 $36 $186 $1,448 $121
Dakota ST Crew Cab 4WD $234 $312 $500 $30 $150 $1,226 $102
Dakota Lonestar Ext Cab 4WD $234 $312 $500 $30 $150 $1,226 $102
Dakota Bighorn Crew Cab 4WD $234 $312 $500 $30 $150 $1,226 $102
Dakota TRX Crew Cab 4WD $234 $368 $500 $30 $150 $1,282 $107
Dakota TRX Crew Cab 4WD $234 $368 $500 $30 $150 $1,282 $107
Dakota Lonestar Crew Cab 4WD $234 $368 $500 $30 $150 $1,282 $107
Dakota Laramie Crew Cab 4WD $260 $368 $500 $30 $150 $1,308 $109
Get Your Own Custom Quote Go

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in your specific Plano location which can raise or lower premium rates substantially.

The information below highlights how deductible choice and can affect Dodge Dakota insurance costs for each different age group. The premiums are based on a single female driver, full coverage, and no discounts are factored in.

Annual premiums for males versus females

The example below shows the comparison of Dodge Dakota yearly insurance costs for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied to the premium.

Do you need full coverage?

The example below compares Dodge Dakota insurance rates with full coverage compared to only the Texas minimum liability coverage. The price estimates are based on no violations or claims, $100 deductibles, single marital status, and no other discounts are factored in.

Guidelines for eliminating full coverage

There is no specific rule for dropping physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Dodge Dakota settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after paying your deductible. If you are paying in excess of $200 a year for full coverage, then it could be time to drop full coverage.

There are a few cases where removing full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

How Your Dakota Insurance Costs are Determined

Lots of factors are part of the calculation when quoting car insurance. Some are pretty understandable like an MVR report, although some other factors are not as apparent such as your credit history or how financially stable you are.