Auto Insurance Rates for a Dodge Dakota in Denver

Insurance rates Dodge Dakota in DenverAre you regretting buying overpriced Dodge Dakota insurance in Denver? Trust us when we tell you many Denver drivers feel the same as you.

It’s astonishing, but about 70% of customers kept their coverage with the same auto insurance company for at least the last four years, and approximately 38% of consumers have never even compared rates from other companies. Many drivers in the United States can save 47% each year by just shopping around, but they don’t believe the benefits if they replace their high priced policy.

Due to the abundance of companies and agents to choose from, it can be diffult for drivers to choose the lowest price insurance company.

It’s a good idea to take a look at other company’s rates once or twice a year since insurance prices are usually higher with each renewal. Despite the fact that you may have had the best rate on Dodge Dakota insurance in Denver two years ago you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because you’re about to learn how to use online quotes to properly buy coverages and cut your premium.

Cheapest car insurance in Denver, CO

The companies shown below can provide comparison quotes in Denver, CO. If multiple providers are shown, it’s highly recommended you visit two to three different companies in order to find the cheapest rates.

Dodge Dakota Insurance Cost Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Dakota ST Ext Cab 2WD $220 $368 $576 $34 $172 $1,370 $114
Dakota Bighorn Ext Cab 2WD $186 $362 $448 $26 $134 $1,156 $96
Dakota Lonestar Ext Cab 2WD $260 $562 $496 $30 $148 $1,496 $125
Dakota ST Crew Cab 2WD $168 $288 $440 $26 $132 $1,054 $88
Dakota Bighorn Crew Cab 2WD $168 $340 $440 $26 $132 $1,106 $92
Dakota Lonestar Crew Cab 2WD $336 $792 $592 $36 $178 $1,934 $161
Dakota Bighorn Ext Cab 4WD $278 $420 $362 $22 $108 $1,190 $99
Dakota ST Ext Cab 4WD $162 $296 $396 $24 $118 $996 $83
Dakota Laramie Crew Cab 2WD $148 $288 $422 $24 $126 $1,008 $84
Dakota ST Crew Cab 4WD $264 $448 $396 $24 $118 $1,250 $104
Dakota Lonestar Ext Cab 4WD $264 $448 $396 $24 $118 $1,250 $104
Dakota Bighorn Crew Cab 4WD $298 $448 $358 $22 $108 $1,234 $103
Dakota TRX Crew Cab 4WD $172 $312 $362 $22 $108 $976 $81
Dakota TRX Crew Cab 4WD $278 $496 $362 $22 $108 $1,266 $106
Dakota Lonestar Crew Cab 4WD $214 $426 $396 $24 $118 $1,178 $98
Dakota Laramie Crew Cab 4WD $162 $282 $330 $20 $98 $892 $74
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can alter coverage rates noticeably.

An analysis of deductible level

The chart below highlights how deductible selection and can raise or lower Dodge Dakota premium costs for different age categories. Data assumes a married female driver, comp and collision included, and no discounts are applied.

Dodge Dakota annual premiums for males versus females

The information below shows the comparison of Dodge Dakota auto insurance costs for male and female drivers. The rate quotes are based on no claims or violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Safe drivers pay less for car insurance

The example below highlights how speeding tickets and at-fault accidents can affect Dodge Dakota premium costs for different ages of insureds. The rates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

You Can Change Your Insurance Rates

Many things are part of the equation when quoting car insurance. Some of the criteria are obvious like your driving record, but other factors are not quite as obvious like your vehicle usage or how safe your car is. Consumers need to have an understanding of the rating factors that come into play when calculating your premiums. If you understand what impacts premium levels, this helps enable you to make changes that can earn you lower car insurance prices.

The itemized list below are some of the things utilized by car insurance companies to help set rates.

Get cheaper Dodge Dakota insurance in Denver with discounts

Buying car insurance is not cheap, but there may be some discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but a few must be specially asked for prior to getting the savings.Discount car insurance

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Popular car insurance companies and some of the discounts are included below.

If you want cheaper Denver car insurance quotes, ask every insurance company which discounts you may be entitled to. Savings might not be offered in Denver. To locate insurance companies that offer multiple discounts in Colorado, click here.

Do I need an agent?

A small number of people would rather buy from a local agent and doing so can bring peace of mind One of the benefits of comparing insurance prices online is you can get cheap rate quotes and still choose a local agent. Putting coverage with small agencies is still important in Denver.

Find insurance agent in DenverUpon completion of this simple form, your insurance data is immediately sent to participating agents in Denver who want to provide quotes for your business. You don’t have to even leave your home because quoted prices will be sent instantly to you. You can get cheaper auto insurance rates AND an agent nearby. If you need to compare rates from a specific company, you just need to go to their quote page and submit a quote form there.

Picking the best provider should include more criteria than just the price. Some important questions to ask are:

If you feel you receive reasonable responses to these questions and an acceptable price quote, you have narrowed it down to a company that meets the criteria to service your policy.

Smaller companies may have the best rates

Insurance providers like State Farm, Allstate and GEICO seem to constantly run television and radio advertisements. They all seem to make the point about how much you will save if you get a free Denver car insurance quote and switch your coverage. How is it possible that every company can charge you a lower premium?

Companies have an ideal profile for the type of customer that will generate a profit. A good example of a profitable insured might be between 30 and 50, has no claims, and drives a lower-performance vehicle. A customer getting a price quote that fits those parameters gets the lowest rates and will also save a lot of money.

Potential insureds who are not a match for this ideal profile will probably be forced to pay higher rates with the end result being the customer not buying. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save money. That’s the way insurance companies can make those claims.

This really illustrates why you absolutely need to compare quotes as often as possible. Because without a comparison, you cannot know which insurance company will have the lowest Dodge Dakota insurance in Denver.

How to know if you need help

When choosing adequate coverage for your vehicles, there really isn’t a one-size-fits-all type of policy. Each situation is unique.Auto insurance savings

For example, these questions might help in determining whether your personal situation will benefit from professional help.

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Persistence pays off

In this article, we presented many tips how you can save on Dodge Dakota insurance in Denver. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may even discover the lowest prices are with the smaller companies.

People who switch companies do it for many reasons like denial of a claim, high prices, high rates after DUI convictions or policy non-renewal. Whatever your reason, switching companies is actually quite simple.

Cheaper Dodge Dakota insurance in Denver is available online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide rate quotes online and most of the time these small, regional companies only sell through independent agents.

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