Paying for high-priced Dodge Dakota insurance in San Francisco can dry up your bank account and make it hard to pay other bills.
It’s amazing but a large majority of drivers have bought insurance from the same company for over three years, and approximately 38% of consumers have never even shopped around for lower-cost coverage. California drivers could save an average of $470 each year, but they underestimate the amount of savings they would get if they moved their coverage to a different company. Vehicle owners have so many auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, it makes it harder to get the best deal for Dodge Dakota insurance in San Francisco.
It’s important to shop coverage around at least once a year because prices change regularly. Even if you got the best rates on Dodge Dakota insurance in San Francisco a few years ago you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate how to quote online to buy cheaper Dodge Dakota insurance in San Francisco.
The intent of this article is to tell you how auto insurance companies operate and some tricks to saving. If you have coverage now, you will be able to shop for the lowest rates using this strategy. Drivers just have to use the quickest method to compare rate quotes over the internet.
Cheaper rates by taking advantage of discounts
Car insurance companies do not list all possible discounts in an easy-to-find place, so the next list breaks down both well-publicized as well as the least known credits that you can use to lower your rates.
- Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Military Discounts – Having a family member in the military could qualify you for better premium rates.
- Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
- Low Mileage – Low mileage vehicles could earn slightly better prices than normal.
- Responsible Driver Discounts – Insureds who avoid accidents may save up to 50% more as compared to drivers with claims.
- Auto/Life Discount – Select companies reward you with a discounted premium rate on car insurance if you buy life insurance from them.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free car insurance policy, nobody gets a free ride.
The information below visualizes the comparison of Dodge Dakota car insurance costs with and without some available policy discounts. The costs are based on a female driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, safe-driver, and homeowner discounts applied.
Car insurance companies that may offer policyholders some of the above discounts possibly include:
Double check with all companies you are considering to apply every possible discount. Discounts might not be available to policyholders in San Francisco. If you would like to choose from a list of companies offering car insurance discounts in San Francisco, click this link.
Cheap San Francisco Dodge Dakota insurance
The companies in the list below can provide quotes in San Francisco, CA. If multiple providers are shown, we suggest you compare several of them to get the best price comparison.
The rate table displayed next covers estimates of rate quotes for Dodge Dakota models. Having a good understanding how premiums are figured can be of help when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Dakota ST Ext Cab 2WD||$220||$426||$568||$34||$170||$1,418||$118|
|Dakota Bighorn Ext Cab 2WD||$220||$426||$568||$34||$170||$1,418||$118|
|Dakota Lonestar Ext Cab 2WD||$252||$426||$568||$34||$170||$1,450||$121|
|Dakota ST Crew Cab 2WD||$252||$426||$568||$34||$170||$1,450||$121|
|Dakota Bighorn Crew Cab 2WD||$252||$502||$568||$34||$170||$1,526||$127|
|Dakota Lonestar Crew Cab 2WD||$252||$502||$568||$34||$170||$1,526||$127|
|Dakota Bighorn Ext Cab 4WD||$286||$426||$456||$26||$136||$1,330||$111|
|Dakota ST Ext Cab 4WD||$286||$426||$456||$26||$136||$1,330||$111|
|Dakota Laramie Crew Cab 2WD||$286||$502||$568||$34||$170||$1,560||$130|
|Dakota ST Crew Cab 4WD||$286||$426||$456||$26||$136||$1,330||$111|
|Dakota Lonestar Ext Cab 4WD||$286||$426||$456||$26||$136||$1,330||$111|
|Dakota Bighorn Crew Cab 4WD||$286||$426||$456||$26||$136||$1,330||$111|
|Dakota TRX Crew Cab 4WD||$286||$502||$456||$26||$136||$1,406||$117|
|Dakota TRX Crew Cab 4WD||$286||$502||$456||$26||$136||$1,406||$117|
|Dakota Lonestar Crew Cab 4WD||$286||$502||$456||$26||$136||$1,406||$117|
|Dakota Laramie Crew Cab 4WD||$318||$502||$456||$26||$136||$1,438||$120|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can alter insurance rates noticeably.
Difference between liability only and full coverage rates
The chart below illustrates the difference between Dodge Dakota auto insurance rates with full physical damage coverage compared to only buying liability only. The costs are based on no accidents, no driving violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Guidelines for eliminating full coverage
There is no specific rule of when to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s say your Dodge Dakota settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $8,000 after paying the physical damage deductible. If you are paying more than $800 annually for physical damage coverage, then it might be time to buy liability only.
There are some conditions where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Local agents and car insurance
Some consumers would prefer to buy from a licensed agent and that is a smart decision Insurance agents are trained risk managers and will help you if you have claims. One of the great benefits of getting free rate quotes online is that drivers can save money and get cheap rate quotes and still have a local agent. Buying from and supporting neighborhood insurance agencies is especially important in San Francisco.
After filling out this short form, your information is instantly submitted to companies in San Francisco who will give you quotes for your business. You won’t even need to even leave your home as quotes are delivered immediately to you. If you wish to compare rates from a specific company, just go to their quote page and fill out their quote form.
Picking an insurance company should include more criteria than just the bottom line cost. Any agent in San Francisco should be willing to answer these questions.
- Are they primarily personal or commercial lines agents in San Francisco?
- Can glass repairs be made at your home?
- How are claims handled?
- Can you contact them at any time?
- How long have they been in business?
Don’t give up on cheap rates
We just presented many tips how you can lower your Dodge Dakota insurance premium rates in San Francisco. It’s most important to understand that the more you quote San Francisco auto insurance, the more likely it is that you will get a better rate. You may even find the best premium rates are with the smaller companies. These companies may only write in your state and offer lower prices compared to the large companies like Progressive and GEICO.
When trying to cut insurance costs, never reduce needed coverages to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.
The cheapest Dodge Dakota insurance in San Francisco is available on the web and also from your neighborhood San Francisco agents, so you need to shop San Francisco auto insurance with both to have the best rate selection. There are still a few companies who don’t offer online rate quotes and these smaller providers prefer to sell through local independent agencies.
How to find low-cost rates for Dodge Dakota insurance in San Francisco
Really, the only way to find the cheapest price for Dodge Dakota insurance in San Francisco is to make a habit of comparing prices annually from providers who provide car insurance in California. This can be done by completing these steps.
First, try to learn a little about how insurance works and the steps you can take to lower rates. Many rating factors that result in higher rates like careless driving and an imperfect credit score can be improved by making small lifestyle or driving habit changes.
Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while independent agents can quote prices for a wide range of companies. View companies
Third, compare the new rates to your current policy premium to see if you can save by switching companies. If you find a lower rate, verify that coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your intention to cancel your current policy and submit the completed application along with a down payment to the newly selected company. Immediately place your new proof of insurance certificate with the vehicle registration.
One key aspect when comparing rates is to compare similar limits and deductibles on each quote request and and to get prices from all possible companies. Doing this helps ensure a level playing field and a thorough selection of prices.
- Side Impact Crash Tests (iihs.org)
- What Insurance is Cheapest for Drivers with Good Credit in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Quotes for a School Permit? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in San Francisco? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Honda Accord in San Francisco? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Vehicle Insurance (Wikipedia)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)