Would you prefer to buy low-cost Dodge Dakota insurance in Atlanta? Do you think you bought an overpriced auto insurance policy? It's quite common and many Atlanta consumers feel financially strained by their auto insurance policy.
Surprisingly, a recent survey revealed that 70% of consumers have stayed with the same insurance company for over three years, and 38% of drivers have never even compared rates from other companies. Drivers in Georgia could save roughly $960 every year just by shopping around, but most just don't grasp the amount of money they would save if they switched to a more affordable policy. You have multiple auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to find a good deal for Dodge Dakota insurance in Atlanta.
You need to compare rates yearly because prices change frequently. Just because you had the best rate on Dodge Dakota insurance in Atlanta six months ago there is a good chance you can find better premium rates now. Ignore everything you know about auto insurance because you're going to get a crash course in how to use the internet to save money, get proper coverage and the best rates.
Locating the best rates in Atlanta is quite easy. If you are insured now or just want cheaper rates, you can learn to shop for the lowest rates without having to cut coverage. Consumers just have to understand the proper way to find the lowest price instantly.
Take policy discounts and save on Dodge Dakota insurance in Atlanta
Some insurance providers don't necessarily list their entire list of discounts in an easy-to-find place, so the following list contains a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy Atlanta car insurance online. If you are not receiving all the discounts you deserve, it's possible you qualify for a lower rate.
- Defensive Driver Discounts - Passing a class that teaches safe driver techniques could possibly earn you a 5% discount if your company offers it.
- Discount for Good Grades - Performing well in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
- Accident Free - Claim-free drivers can save substantially when compared to accident-prone drivers.
- Accident Forgiveness - This one is not really a discount per se, but certain companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
- Memberships - Belonging to specific professional or occupational memberships or organizations could earn you a nice discount when shopping for car insurance.
One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky. But all discounts will cut the cost of coverage.
If you would like to view car insurance companies that can offer you the previously mentioned discounts in Atlanta, follow this link.
Finding a lower price on insurance can be relatively painless. The only thing you need to do is spend a few minutes on the computer comparing rate quotes provided by online insurance companies.
Getting free rates online is quite simple, and it replaces the need to drive to and from local insurance agencies. Buying insurance online eliminates this option unless you're the type of person who wants the trained advice that can only be provided by a licensed insurance agent. Although, it is possible get the lowest quotes online but have a local agent actually write the policy.
The companies shown below provide price quotes in Atlanta, GA. If the list has multiple companies, we recommend 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||$240||$472||$506||$30||$152||$1,400||$117|
|Dakota Bighorn Ext Cab 2WD||$206||$436||$472||$28||$142||$1,284||$107|
|Dakota Lonestar Ext Cab 2WD||$292||$578||$640||$38||$192||$1,740||$145|
|Dakota ST Crew Cab 2WD||$162||$316||$556||$32||$166||$1,232||$103|
|Dakota Bighorn Crew Cab 2WD||$212||$502||$556||$32||$166||$1,468||$122|
|Dakota Lonestar Crew Cab 2WD||$292||$706||$516||$30||$154||$1,698||$142|
|Dakota Bighorn Ext Cab 4WD||$370||$600||$402||$24||$120||$1,516||$126|
|Dakota ST Ext Cab 4WD||$242||$322||$516||$30||$154||$1,264||$105|
|Dakota Laramie Crew Cab 2WD||$164||$316||$462||$28||$138||$1,108||$92|
|Dakota ST Crew Cab 4WD||$206||$316||$402||$24||$120||$1,068||$89|
|Dakota Lonestar Ext Cab 4WD||$332||$502||$402||$24||$120||$1,380||$115|
|Dakota Bighorn Crew Cab 4WD||$332||$502||$402||$24||$120||$1,380||$115|
|Dakota TRX Crew Cab 4WD||$240||$476||$444||$26||$134||$1,320||$110|
|Dakota TRX Crew Cab 4WD||$328||$706||$444||$26||$134||$1,638||$137|
|Dakota Lonestar Crew Cab 4WD||$374||$828||$476||$28||$142||$1,848||$154|
|Dakota Laramie Crew Cab 4WD||$328||$598||$370||$22||$110||$1,428||$119|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific location information which can lower or raise premiums significantly.
Male drivers versus female drivers
The information below illustrates the comparison of Dodge Dakota insurance rates for male and female drivers. The premiums assume a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
The Dodge Dakota Insurance Premium Equation
The best way to find cheaper auto insurance is to take a look at the factors that help calculate the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can help you get big savings.
The list below includes a few of the "ingredients" used by companies to determine your premiums.
Fewer miles means better rates - Driving a lot of miles each year the higher your rate. Almost all companies apply a rate based upon how much you drive. Autos that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. It's always a good idea to double check that your vehicle rating shows the correct usage. Improper usage on your Dakota may be wasting your money.
Do you know your coverage deductibles? - Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Dodge. Examples of covered claims are colliding with a building, vandalism, and burglary. Deductibles for physical damage are how much you are required to spend if a covered claim is submitted. The more of the claim you pay before a claim is paid (deductible), the better rate you will receive.
Males pay higher prices - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that men are WORSE drivers than women. Women and men cause auto accidents at a similar rate, but the men cause more damage. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are most likely to cause an accident so they pay the highest premiums.
Marriage reduces risk - Walking down the aisle actually saves money when shopping for auto insurance. It demonstrates that you tend to be more mature than a single person and it's proven that drivers who are married are more cautious.
Frequent claims will cost more - If you frequently file small claims, you shouldn't be surprised to get much higher rates or policy non-renewal. Insurance companies in Georgia award discounts to insureds who do not file claims often. Insurance coverage is meant to be used in the event of the large, substantial claims.
Companies want multiple policies - Lots of insurance companies afford discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount applied, you still need to get quotes from other companies to verify if the discount is saving money.
High credit score translates to low premiums - Having a good credit rating will be a significant factor in determining your rates. If your credit rating can use some improvement, you could save money insuring your Dodge Dakota if you clean up your credit. Drivers with good credit tend to file fewer claims than those with poor credit scores.
Lower rates for safer vehicles - Safer cars cost less to insure. Safe vehicles have better occupant injury protection and reduced instances of injuries means your insurance company pays less and lower rates for you. If your Dodge Dakota is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.
Can't I get rate quotes from local Atlanta insurance agencies?
Many people would prefer to sit down with an agent and that is recommended in a lot of cases Professional agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of comparing rates online is that you can find cheap car insurance quotes but also keep your business local.
To find an agent, once you fill out this simple form, your coverage information is immediately sent to local insurance agents who will give you bids for your car insurance coverage. You won't need to find an agent because prices are sent immediately to your email address. If you have a need to compare rates from a specific insurance company, you just need to jump over to their website to submit a rate quote request.
Finding the right provider should depend on more than just the price. These are some questions you should get answers to.
- What insurance companies do they work with in Atlanta?
- Do they have any clout with companies to ensure a fair claim settlement?
- How long has their agency been open in Atlanta?
- Are they actively involved in the community?
- Can you use your own choice of collision repair facility?
Pick the best auto insurance agent in Atlanta for you
If you want a local Atlanta insurance agent, you must know there are a couple different agency structures and how they differ in how they quote coverages. Atlanta agents can either be exclusive or independent. Both types can write car insurance policies, but it's important to point out how they are different since it could factor into which type of agent you select.
Exclusive Insurance Agents
Agents in the exclusive channel generally can only insure with one company and some examples include American Family, State Farm, and AAA. These agents are not able to place coverage with different providers so keep that in mind. Exclusive insurance agents receive extensive training on the products they sell and that enables them to sell even at higher rates.
The following is a list of exclusive insurance agents in Atlanta that can give you comparison quotes.
Agents in the independent channel do not sell for just one brand so they can write business with any number of different companies and find you cheaper rates. If you are not satisfied with one company, they simply move the coverage in-house which makes it simple for you.
When comparing rate quotes, it's recommended you include at a minimum one independent agency to get the most accurate price comparison.
Shown below is a list of independent insurance agencies in Atlanta willing to provide price quote information.
Three reasons auto insurance is important
Despite the high cost, paying for auto insurance is a good idea for several reasons.
- The majority of states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you want to drive legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Dodge Dakota has a loan, almost every bank will require that you have insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Dodge at a much higher rate and force you to pay for it.
- Auto insurance protects both your car and your personal assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your car greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver is currently overpaying as much as $855 a year so smart consumers compare quotes at every policy renewal to ensure rates are inline.
Compare. Compare. Compare.
In this article, we covered many ideas to reduce Dodge Dakota insurance rates online in Atlanta. The key thing to remember is the more you quote Atlanta car insurance, the higher the chance of saving money. You may even find the lowest rates come from a small mutual company. These companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive or GEICO.
As you shop your coverage around, don't be tempted to buy poor coverage just to save money. Too many times, someone sacrificed collision coverage only to discover later that it was a big error on their part. Your goal is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
To learn more, link through to the following helpful articles:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How Much is Atlanta Car Insurance for a Chevrolet Silverado? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Insuring a Leased Car (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)