To save the most money, the best way to find cheaper quotes for Dodge Dakota insurance in Greensboro is to regularly compare quotes from providers in North Carolina.
- Get a basic knowledge of how insurance companies determine prices and the factors you can control to keep rates down. Many factors that drive up the price such as distracted driving and poor credit history can be improved by making minor changes to your lifestyle.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple sources. Select a company
- Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you can save some money, verify that coverage does not lapse between policies.
- Tell your current agent or company to cancel the current policy and submit payment along with a signed and completed policy application to the newly selected company. Make sure you store the proof of insurance certificate in an accessible location in your vehicle.
A good tip to remember is to make sure you enter similar limits and deductibles on each quote request and and to compare every insurance company. This ensures an accurate price comparison and and a good selection of different prices.
A recent car insurance study discovered that a large majority of car insurance policyholders kept buying from the same company for more than four years, and roughly 40% of drivers have never quoted car insurance rates at all. With the average car insurance premium being $976, Greensboro drivers could cut their rates by about 10% a year just by getting comparison quotes, but they think it’s difficult to compare rate quotes.
Analysis of coverages
The table shown below showcases different insurance costs for Dodge Dakota models. Having insight into how rate quotes are determined can help guide drivers when making decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Dakota ST Ext Cab 2WD||$100||$200||$318||$18||$96||$732||$61|
|Dakota Bighorn Ext Cab 2WD||$100||$200||$318||$18||$96||$732||$61|
|Dakota Lonestar Ext Cab 2WD||$116||$200||$318||$18||$96||$748||$62|
|Dakota ST Crew Cab 2WD||$116||$200||$318||$18||$96||$748||$62|
|Dakota Bighorn Crew Cab 2WD||$116||$236||$318||$18||$96||$784||$65|
|Dakota Lonestar Crew Cab 2WD||$116||$236||$318||$18||$96||$784||$65|
|Dakota Bighorn Ext Cab 4WD||$130||$200||$254||$16||$76||$676||$56|
|Dakota ST Ext Cab 4WD||$130||$200||$254||$16||$76||$676||$56|
|Dakota Laramie Crew Cab 2WD||$130||$236||$318||$18||$96||$798||$67|
|Dakota ST Crew Cab 4WD||$130||$200||$254||$16||$76||$676||$56|
|Dakota Lonestar Ext Cab 4WD||$130||$200||$254||$16||$76||$676||$56|
|Dakota Bighorn Crew Cab 4WD||$130||$200||$254||$16||$76||$676||$56|
|Dakota TRX Crew Cab 4WD||$130||$236||$254||$16||$76||$712||$59|
|Dakota TRX Crew Cab 4WD||$130||$236||$254||$16||$76||$712||$59|
|Dakota Lonestar Crew Cab 4WD||$130||$236||$254||$16||$76||$712||$59|
|Dakota Laramie Crew Cab 4WD||$144||$236||$254||$16||$76||$726||$61|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in vehicle location which can impact rates considerably.
The diagram below shows how different deductible levels and can increase or decrease Dodge Dakota insurance prices for different age categories. The premiums assume a married male driver, comp and collision included, and no discounts are factored in.
Premiums by gender and age
The example below shows the difference between Dodge Dakota car insurance rates for male and female drivers. The rate quotes are based on no violations or claims, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Full coverage or liability only
The chart below illustrates the difference between Dodge Dakota premium costs with and without full coverage. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no clear-cut formula of when to stop paying for physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Dodge Dakota replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If it’s costing in excess of $400 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Car insurance policy discounts for Dodge Dakota insurance in Greensboro
Car insurance is not cheap nor is it fun to buy but you can get discounts to reduce the price significantly. Most are applied at the time you complete a quote, but occasionally some discounts must be requested specifically before you get the savings.
- E-sign Discounts – Certain car insurance companies provide a small discount for buying a policy and signing up online.
- Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their Greensboro auto insurance quote as compared to drivers with claims.
- Own a Home – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as State Farm, Progressive and GEICO permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
- New Car Discount – Buying a new car instead of a used Dakota can be considerably cheaper since newer vehicles are generally safer.
- Student Driver Training – Require your teen driver to take driver’s ed class in school or through a local driver safety program.
- Defensive Driver – Successfully completing a course teaching defensive driver skills could save 5% or more and also improve your driving technique.
- Senior Discount – Drivers that qualify as senior citizens may receive a discount up to 10%.
One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think you can get free auto insurance, that’s just not realistic.
The illustration below shows the comparison of Dodge Dakota car insurance costs with and without discounts applied. The premiums assume a female driver, no claims, a clean driving record, North Carolina state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, marriage, multi-car, and safe-driver discounts applied.
For a list of providers that can offer you the previously mentioned discounts in Greensboro, click here to view.
Educate yourself about auto insurance coverages
Understanding the coverages of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most auto insurance policies.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Dodge Dakota.
Because many people have only the minimum liability required by law (which is 30/60/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Collision – Collision insurance covers damage to your Dakota resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like sustaining damage from a pot hole, rolling your car, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible on your Dakota to save money on collision insurance.
Liability car insurance – Liability insurance protects you from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 30/60/25 that translate to $30,000 bodily injury coverage, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability can pay for things such as legal defense fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is up to you, but buy higher limits if possible. North Carolina requires drivers to carry at least 30/60/25 but you should consider buying higher limits.
The next chart demonstrates why buying minimum limits may not be high enough to cover claims.
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as fire damage, damage from a tornado or hurricane and hitting a deer. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses for things like surgery, EMT expenses, pain medications, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
North Carolina auto insurance companies ranked
Choosing the highest-rated insurance company can be a challenge considering how many choices you have in North Carolina. The information displayed below may help you select which providers to look at comparing prices from.
Top 10 Greensboro Car Insurance Companies Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Greensboro Car Insurance Companies Overall
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
Don’t give up on affordable rates
When searching for low cost Greensboro auto insurance quotes, do not skimp on critical coverages to save a buck or two. There are many occasions where an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best cost, not the least amount of coverage.
We covered many ideas to shop for Dodge Dakota insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable Greensboro auto insurance quotes. You may even find the lowest premium rates come from the smaller companies. Some small companies may only write in your state and offer lower prices than their larger competitors like State Farm or Progressive.
Some companies may not provide online quoting and these small insurance companies prefer to sell through independent agents. Cheaper Dodge Dakota insurance in Greensboro can be found on the web in addition to many Greensboro insurance agents, so you should be comparing quotes from both to have the best rate selection.
Additional auto insurance information is located at the links below
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Affordable Car Insurance Quotes for Drivers with Accidents in Greensboro? (FAQ)
- Who Has Cheap Car Insurance for a Toyota Tundra in Greensboro? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Inexperienced Drivers in Greensboro? (FAQ)
- Who Has Affordable Car Insurance for Immigrants in Greensboro? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- How do I File a Claim? (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Red Light Cameras (State Farm)