If you want to find the absolute lowest rates, then the best way to get affordable Dodge Dakota insurance is to compare prices annually from insurers who provide auto insurance in Fort Worth. Rates can be compared by completing these steps.
First, take a few minutes and learn about what is in your policy and the measures you can control to prevent expensive coverage. Many policy risk factors that cause rate increases like multiple speeding tickets and a negative credit history can be improved by making minor driving habit or lifestyle changes. Read the full article for the details to help prevent high rates and get discounts that may be available to you.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple companies. Begin your rate comparison
Third, compare the quotes to the price on your current policy and see if there is a cheaper rate in Fort Worth. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current company to cancel your current car insurance policy. Submit payment along with a signed and completed policy application to the new insurer. Once coverage is bound, keep the new proof of insurance certificate in your vehicle’s glove compartment or console.
The most important part of this process is to use identical limits and deductibles on each quote and and to get price estimates from as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and many rates to choose from.
It’s safe to assume that car insurance companies want to keep you from comparing rates. Drivers who shop rates annually will, in all likelihood, switch insurance companies because of the good chance of finding a lower-priced company. A recent insurance study revealed that people who compared rates once a year saved approximately $3,400 over four years compared to those who never shopped around for better prices.
If finding the cheapest price on insurance is your intention, then having a good understanding how to shop for coverages can make the process less intimidating.
The most recommended method to compare car insurance company rates for Dodge Dakota insurance in Fort Worth is to know the fact almost all companies have advanced systems to compare their rates. The one thing you need to do is take a few minutes to give details like if you lease or own, whether or not you need a SR-22, an estimate of your credit level, and how much education you have. That information is instantly submitted to many different companies and you will receive price estimates with very little delay.
To get price quotes for your Dodge Dakota now, click here and enter your coverage details.
The companies shown below have been selected to offer comparison quotes in Texas. If more than one company is shown, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.
Get cheap Dodge Dakota insurance in Fort Worth with discounts
The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but occasionally some discounts must be specifically requested before they will apply.
- Accident-Free Discounts – Insureds with no claims or accidents have much lower rates when compared to policyholders that have many claims.
- Student Discounts – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles help deter theft and can earn a small discount on your policy.
- Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Sign Online – Many insurance companies may give you up to $50 for signing up over the internet.
- Active Service Discounts – Being on active duty in the military could qualify you for better insurance rates.
It’s important to understand that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.
The chart below illustrates the comparison of Dodge Dakota car insurance costs with and without discounts applied to the premium. The data assumes a female driver, no claims, a clean driving record, 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 homeowner, marriage, multi-policy, multi-car, claim-free, and safe-driver discounts applied.
A partial list of companies that may offer quotes with some of the discounts shown above include:
Double check with every company what discounts are available to you. Savings may not be available in your state.
Rates and statistics
The price information below outlines different rate quotes for Dodge Dakota models. Having insight into how premiums are calculated can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Dakota ST Ext Cab 2WD | $180 | $392 | $500 | $30 | $150 | $1,252 | $104 |
| Dakota Bighorn Ext Cab 2WD | $180 | $392 | $500 | $30 | $150 | $1,252 | $104 |
| Dakota Lonestar Ext Cab 2WD | $206 | $392 | $500 | $30 | $150 | $1,278 | $107 |
| Dakota ST Crew Cab 2WD | $206 | $392 | $500 | $30 | $150 | $1,278 | $107 |
| Dakota Bighorn Crew Cab 2WD | $206 | $462 | $500 | $30 | $150 | $1,348 | $112 |
| Dakota Lonestar Crew Cab 2WD | $206 | $462 | $500 | $30 | $150 | $1,348 | $112 |
| Dakota Bighorn Ext Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| Dakota ST Ext Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| Dakota Laramie Crew Cab 2WD | $232 | $462 | $500 | $30 | $150 | $1,374 | $115 |
| Dakota ST Crew Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| Dakota Lonestar Ext Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| Dakota Bighorn Crew Cab 4WD | $232 | $392 | $400 | $24 | $120 | $1,168 | $97 |
| Dakota TRX Crew Cab 4WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Dakota TRX Crew Cab 4WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Dakota Lonestar Crew Cab 4WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Dakota Laramie Crew Cab 4WD | $258 | $462 | $400 | $24 | $120 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in specific location which can increase or decrease coverage prices significantly.
Full coverage or liability only
The illustration below shows the comparison of Dodge Dakota insurance costs with full coverage compared to only the Texas minimum liability coverage. The price estimates are based on a clean driving record, no claims, $500 deductibles, single status, and no discounts are taken into consideration.
Should you pay for full coverage?
There is no written rule to drop full coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s pretend your Dodge Dakota book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying your policy deductible. If you are currently paying more than $700 annually for physical damage coverage, then it might be time to buy liability only.
There are a few situations where removing full coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Dodge Dakota Insurance Prices Can Be Cheaper
When buying car insurance it’s important to understand the different types of things that help determine your premiums. When consumers understand what determines premiums, this enables you to make decisions that could result in big savings. Lots of things are part of the equation when premium rates are determined. Some of the criteria are obvious like your driving record, but other factors are less apparent like where you live or how safe your car is.
Deter vehicle theft – Buying a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
Comp and collision deductibles are a factor – Physical damage deductibles are the amount of money you are willing to pay if a claim is determined to be covered. Insurance for physical damage, also called ‘full coverage’, insures against damage to your car. Some examples of claims that would be covered would be a windshield broken by a bird, animal collisions, or theft of your vehicle. The more you pay before a claim is paid (deductible), the less your company will charge you for insurance.
Rural areas have lower prices – Residing in less populated areas is a positive aspect when talking about car insurance. Residents of big cities have more auto accidents and a longer drive to work. Less people means less chance of accidents in addition to fewer liability claims.
A policy lapse is a bad thing – Driving your car without having proper coverage can get you a ticket and car insurance companies will penalize you for letting your insurance expire. And not only will insurance be more expensive, the inability to provide proof of insurance will get you a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Texas department of motor vehicles.
Male premiums may be higher – Statistics demonstrate that women are safer drivers than men. However, this does not mean females are better at driving than males. Men and women get in at-fault accidents in similar percentages, but males get into accidents with more damage. Men also statistically get more serious tickets like reckless driving and DUI. Males from age 16 to 21 are most likely to cause an accident and therefore have the most expensive car insurance rates.
The chart below visualizes the comparison of Dodge Dakota insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Independent versus exclusive insurance agencies
A small number of people just want to get professional advice from a licensed agent and that is just fine! Agents are highly skilled in risk management and help submit paperwork. One of the great benefits of comparing rates online is the fact that drivers can get the best rates but also keep your business local.
After filling out this quick form, your coverage information is submitted to agents in your area that give free quotes for your car insurance coverage. You never need to do any legwork due to the fact that quote results will go immediately to your email address. If you have a need to compare prices from a specific company, just visit that company’s website and submit a quote form there.
Picking the best provider shouldn’t rely on just a low price. Here are some questions you might want to ask.
- Are they giving you every discount you deserve?
- Is their price quote a firm figure or are their hidden costs?
- How is replacement cost determined on your vehicle?
- Is there a 24/7 contact number?
- Are they able to provide referrals?
- Can glass claims be handled at your home?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Two different types of auto insurance agents
When finding a reputable insurance agent or broker, it’s helpful to know the different types of agents to choose from. Agents in Fort Worth are categorized either exclusive or independent agents depending on their company appointments. Either one can insure your vehicles properly, but it is important to understand the difference between them because it can influence the selection process.
Exclusive Agents
Agents in the exclusive channel have only one company to place business with and some examples include Farmers Insurance and State Farm. Exclusive agencies are unable to compare rates from other companies so they have to upsell other benefits. These agents are trained well on their products and sales techniques which can be an advantage. Some insured continue to purchase coverage from exclusives mainly due to the prominent brand name and strong financial ratings.
Shown below are exclusive agents in Fort Worth willing to provide price quotes.
- Larry Martin – State Farm Insurance Agent
7833 Summer Creek Dr – Fort Worth, TX 76123 – (817) 292-6214 – View Map - Camilla Harris – State Farm Insurance Agent
7225 Crowley Rd a – Fort Worth, TX 76134 – (817) 293-0496 – View Map - Laura Geninatti – State Farm Insurance Agent
7510 Davis Blvd Ste A – Fort Worth, TX 76182 – (817) 281-1191 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent can sell policies from many different companies so they can quote policies amongst many companies and get you the best rates possible. If they quote lower rates, your agent can switch companies which makes it simple for you. When comparing car insurance prices, you should always include at a minimum one independent agency to ensure the widest selection of prices. Many can place coverage with smaller companies who may have lower rates.
Listed below are Fort Worth independent agencies that are able to give rate quotes.
- Fort Worth Insurance Agency
5049 Trail Lake Dr – Fort Worth, TX 76133 – (817) 292-2929 – View Map - Hemphill Insurance Agency
3121 Hemphill St – Fort Worth, TX 76110 – (817) 923-2001 – View Map - Woods Insurance Agency
2740 Western Center Blvd #504 – Fort Worth, TX 76131 – (817) 232-1580 – View Map
Cheaper auto insurance premiums are out there
Drivers change insurance companies for many reasons like being labeled a high risk driver, unfair underwriting practices, not issuing a premium refund and even policy non-renewal. Whatever your reason, finding the right auto insurance provider can be less work than you think.
When buying insurance coverage, never reduce needed coverages to save money. There are many occasions where someone sacrificed liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.
In this article, we presented a lot of techniques to compare Dodge Dakota insurance premium rates in Fort Worth. The most important thing to understand is the more companies you get prices for, the higher your chance of finding cheaper Fort Worth car insurance quotes. You may even discover the lowest premium rates come from a smaller regional carrier.
Helpful resources
- Information for Teen Drivers (GEICO)
- Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Fort Worth? (FAQ)
- Who Has the Cheapest Auto Insurance for a Dodge Journey in Fort Worth? (FAQ)
- Who Has Affordable Fort Worth Auto Insurance Quotes for a GMC Sierra? (FAQ)
- Who Has Cheap Fort Worth Auto Insurance Rates for a Ford Fusion? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)