Do you need a better way to compare more competitive Dodge Dakota insurance in San Diego? There isn’t a single person who likes having to buy car insurance, especially when they are aware that the prices are way too high.
Unbelievable but true, nearly 70% of drivers have been with the same company for well over three years, and virtually 40% of consumers have never shopped around. San Diego drivers can save approximately 35% each year just by shopping around, but they just don’t understand the big savings they would realize if they just switched companies. Having so many insurance companies to choose from that have lower-cost insurance for a Dodge Dakota in San Diego, it can be diffult for people to choose the cheapest company.
Locating the most cost-effective car insurance policy in San Diego can be much easier if you know how to start. If you are insured now or just want to reduce your rates, use these techniques to get lower rates while maintaining coverages. Drivers just have to use the least time-consuming way to get comparison quotes from many different companies online.
Most of the larger companies allow you to get price estimates online. The process is very simple as you just type in your required coverages into the form. Once you submit the form, their quoting system orders information on your driving record and credit history and returns a price based on these and other factors. This makes it easy to compare insurance prices and it’s necessary to get many rate quotes if you want to find a better rate.
To quickly compare pricing, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you copy coverages and limits identical to your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison using the exact same coverages.
The car insurance companies shown below offer comparison quotes in San Diego, CA. If multiple companies are listed, it’s highly recommended you visit as many as you can to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Dakota ST Ext Cab 2WD||$232||$490||$530||$32||$158||$1,442||$120|
|Dakota Bighorn Ext Cab 2WD||$284||$672||$580||$34||$174||$1,744||$145|
|Dakota Lonestar Ext Cab 2WD||$366||$776||$718||$42||$214||$2,116||$176|
|Dakota ST Crew Cab 2WD||$216||$394||$530||$32||$158||$1,330||$111|
|Dakota Bighorn Crew Cab 2WD||$202||$482||$718||$42||$214||$1,658||$138|
|Dakota Lonestar Crew Cab 2WD||$434||$810||$724||$42||$216||$2,226||$186|
|Dakota Bighorn Ext Cab 4WD||$270||$454||$464||$28||$138||$1,354||$113|
|Dakota ST Ext Cab 4WD||$358||$464||$578||$34||$174||$1,608||$134|
|Dakota Laramie Crew Cab 2WD||$490||$810||$724||$42||$216||$2,282||$190|
|Dakota ST Crew Cab 4WD||$332||$564||$464||$28||$138||$1,526||$127|
|Dakota Lonestar Ext Cab 4WD||$304||$454||$450||$26||$134||$1,368||$114|
|Dakota Bighorn Crew Cab 4WD||$204||$354||$500||$30||$150||$1,238||$103|
|Dakota TRX Crew Cab 4WD||$242||$454||$416||$24||$124||$1,260||$105|
|Dakota TRX Crew Cab 4WD||$386||$678||$442||$26||$132||$1,664||$139|
|Dakota Lonestar Crew Cab 4WD||$440||$678||$578||$34||$174||$1,904||$159|
|Dakota Laramie Crew Cab 4WD||$368||$672||$416||$24||$124||$1,604||$134|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Information does not factor in garaging location in San Diego which can raise or lower auto insurance rates significantly.
Comparison of full coverage and liability-only policies
The illustration below illustrates the comparison of Dodge Dakota insurance costs with and without physical damage coverage. The data is based on no accidents, no driving violations, $250 deductibles, married male driver, and no discounts are applied.
When to drop comprehensive and collision coverage
There is no set rule for phasing out physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Dodge Dakota claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $8,000 after you pay the deductible. If premium cost is more than $800 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are some situations where dropping full coverage is not a good idea. If you still owe money on your vehicle, 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 eliminate full coverage.
When should I discuss my situation with an agent?
When buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your financial needs are unique so this has to be addressed.
Here are some questions about coverages that may help you determine whether you may require specific advice.
- Do they offer discounts for home and auto coverage?
- If my pet gets injured in an accident are they covered?
- Am I covered if I drive in a foreign country?
- Are combined or split liability limits better?
- Will I lose any money if I cancel my policy before it expires?
- What does medical payments coverage do?
- Should I buy more coverage than the required California minimum liability coverage?
If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.
Can’t I compare prices from local San Diego auto insurance agents?
A small number of people prefer to buy from a local agent and doing so can bring peace of mind Agents are highly skilled in risk management and help file insurance claims. One of the benefits of comparing rates online is you can get cheap auto insurance quotes and still have a local agent.
After completing this short form, your coverage information is immediately sent to agents in your area who want to provide quotes for your auto insurance coverage. There is no reason to find an agent on your own as quotes are delivered directly to your email. If you have a need to compare rates from one company in particular, you would need to search and find their rate quote page and complete a quote there.
Finding the right insurance company needs to be determined by more than just a cheap price. Here are some questions you might want to ask.
- Are you getting all the discounts the company offers?
- Are they primarily personal or commercial lines agents in San Diego?
- Is working in the agency their full-time job?
- Are there any discounts for paying up front?
- Which members of your family are coverage by the policy?
- Is assistance available after office hours?
- What company do they have the most business with?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
If you are wanting to purchase auto insurance from a local insurance agency, it’s important to understand the types of agencies and how they can service your needs differently. Auto insurance policy providers are classified as either exclusive or independent agents depending on their company appointments. Both types of agents can sell affordable auto insurance policies, but it’s worth learning the differences since it could factor into which type of agent you select.
Exclusive Insurance Agents
These agents can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so they have to upsell other benefits. These agents are well trained in insurance sales which helps overcome the inability to quote other rates.
Below are exclusive agents in San Diego that can give you price quote information.
These agents can quote rates with many companies so they can write business with any number of different companies and get you the best rates possible. If your premiums go up, they can switch companies in-house and you don’t have to find a new agent. If you are trying to find cheaper rates, we recommend you get insurance quotes from multiple independent agents to have the most options to choose from.
Shown below are independent insurance agencies in San Diego that are able to give price quote information.