Have you had enough of robbing Peter to pay Paul to keep your car insured? Your situation is no different than many other Alaska drivers.
It’s safe to conclude that insurance companies don’t want you quoting rates from other companies. Insureds who compare other rates are very likely to switch to a new company because of the good chance of finding a lower-cost company. A survey found that drivers who routinely shopped for cheaper coverage saved approximately $865 a year compared to other drivers who didn’t regularly shop around.
If finding budget-friendly Dodge Dakota insurance is your objective, then knowing how to shop and compare cheaper coverage can make shopping around easier. You have multiple insurers to buy insurance from, and even though it’s nice to have a selection, more options can take longer to find the lowest cost provider for Dodge Dakota insurance in Anchorage.
You may qualify for discounts for Dodge Dakota insurance in Anchorage
Some companies do not list every discount very well, so the below list has a few of the more common as well as the least known credits available to bring down your rates.
- Paperless Signup – Some auto insurance companies will give you a small discount get Anchorage auto insurance on their website.
- Home Ownership Discount – Just being a homeowner can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
- Discount for Life Insurance – Select companies reward you with a discounted premium rate on car insurance if you buy life insurance.
- Telematics Discount – Drivers who elect to allow driving data collection to look at driving manner by installing a telematics device such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
- Active Military Service – Being on active deployment in the military may qualify for rate reductions.
- Pay Early and Save – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
It’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, companies don’t profit that way.
The example below illustrates the difference between Dodge Dakota premium costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims or violations, Alaska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-policy, multi-car, and safe-driver discounts applied.
For a list of providers who offer discounts in Anchorage, follow this link.
Affordable Anchorage Dodge Dakota insurance rate quotes online
Finding a lower price on insurance isn’t really that difficult. All you need to do is spend a few minutes comparing price quotes online with multiple companies.
Doing online quotes comparisons is so easy that it takes the place of having to physically go to insurance agencies in your area. The ability to quote Dodge Dakota insurance online makes this process obsolete unless you want the advice and guidance only provided by licensed Anchorage agents. Although you can find lower rates online but still have the advice of a local agent.
The companies shown below provide comparison quotes in Anchorage, AK. If you want to find cheap auto insurance in Anchorage, it’s highly recommended you visit several of them to find the lowest car insurance rates.
Rate information and statistics
The premium information shown below highlights different prices for Dodge Dakota models. Having insight into how insurance policy rates are figured can be valuable when 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 | $184 | $354 | $340 | $20 | $102 | $1,000 | $83 |
| Dakota Bighorn Ext Cab 2WD | $184 | $354 | $340 | $20 | $102 | $1,000 | $83 |
| Dakota Lonestar Ext Cab 2WD | $210 | $354 | $340 | $20 | $102 | $1,026 | $86 |
| Dakota ST Crew Cab 2WD | $210 | $354 | $340 | $20 | $102 | $1,026 | $86 |
| Dakota Bighorn Crew Cab 2WD | $210 | $418 | $340 | $20 | $102 | $1,090 | $91 |
| Dakota Lonestar Crew Cab 2WD | $210 | $418 | $340 | $20 | $102 | $1,090 | $91 |
| Dakota Bighorn Ext Cab 4WD | $238 | $354 | $272 | $16 | $82 | $962 | $80 |
| Dakota ST Ext Cab 4WD | $238 | $354 | $272 | $16 | $82 | $962 | $80 |
| Dakota Laramie Crew Cab 2WD | $238 | $418 | $340 | $20 | $102 | $1,118 | $93 |
| Dakota ST Crew Cab 4WD | $238 | $354 | $272 | $16 | $82 | $962 | $80 |
| Dakota Lonestar Ext Cab 4WD | $238 | $354 | $272 | $16 | $82 | $962 | $80 |
| Dakota Bighorn Crew Cab 4WD | $238 | $354 | $272 | $16 | $82 | $962 | $80 |
| Dakota TRX Crew Cab 4WD | $238 | $418 | $272 | $16 | $82 | $1,026 | $86 |
| Dakota TRX Crew Cab 4WD | $238 | $418 | $272 | $16 | $82 | $1,026 | $86 |
| Dakota Lonestar Crew Cab 4WD | $238 | $418 | $272 | $16 | $82 | $1,026 | $86 |
| Dakota Laramie Crew Cab 4WD | $264 | $418 | $272 | $16 | $82 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in specific location information which can influence premiums greatly.
Insurance premiums based on gender
The illustration below shows the difference between Dodge Dakota car insurance rates for male and female drivers. The data is based on no accidents or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
Which policy gives me the best coverage?
When it comes to the right insurance coverage, there really is not a best way to insure your cars. Every situation is different so this has to be addressed.
For instance, these questions might point out whether you might need professional guidance.
- What policy terms are available?
- Is my teenager covered with friends in the car?
- Can I get by with minimal medical coverage if I have good health insurance?
- Do I have coverage when pulling a U-Haul trailer?
- What is GAP insurance?
- Is my nanny covered when transporting my kids?
- When should I drop full coverage on my Dodge Dakota?
If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Auto insurance agents can help
Certain consumers would prefer to sit down and talk to an agent and doing that can be a smart decision Professional agents are highly skilled in risk management and help file insurance claims. A nice benefit of price shopping on the web is that drivers can save money and get the best rates and still have a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is submitted to companies in Anchorage who will return price quotes for your car insurance coverage. You never need to visit any agencies since price quotes are sent to you instantly. In the event you want to get a rate quote from a specific company, you can always find their quoting web page and complete a quote there.
Selecting a insurer requires you to look at more than just the quoted price. Ask your prospective agent these questions:
- How much training do they have in personal risk management?
- Are they in the agency full-time?
- How long has their agency been open in Anchorage?
- Is there a 24/7 contact number?
- Is the agent and/or agency licensed to do business in Alaska?
- Do they get paid more for recommending certain coverages?
- Do they write coverage based solely on cost?
If you prefer to buy car insurance from a local Anchorage insurance agent, there are two types of insurance agents from which to choose. Car insurance policy providers may be either independent agents or exclusive agents. Both sell car insurance policies, but it is important to understand how they differ because it can factor into buying decisions.
Exclusive Insurance Agents
These type of agents can only provide one company’s prices like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide other company’s prices so they have no alternatives for high prices. Exclusive agents are highly trained on what they offer and that allows them to sell at a higher price point.
Shown below is a short list of exclusive agents in Anchorage who may provide you with comparison quotes.
Allstate Insurance: Devery Prince Agency Team
401 E Fireweed Ln Ste 200 – Anchorage, AK 99503 – (907) 279-9000 – View Map
Allstate Insurance: Stanley Tebow
8201 Old Seward Hwy a – Anchorage, AK 99518 – (907) 344-3301 – View Map
Dave Strike – State Farm Insurance Agent
2213 E Tudor Rd #54 – Anchorage, AK 99507 – (907) 562-2721 – View Map
Independent Agents
These agents are not restricted to one company so they can write business through lots of different companies and find the cheapest car insurance rates. If premiums increase, they simply switch companies in-house and you don’t have to do anything.
When comparing rate quotes, you should always include price quotes from at least one independent agent to have the most options to choose from.
Listed below are Anchorage independent agents who can help you get price quote information.
Kent S Kallander Insurance Agency Inc
1317 W Northern Lights Blvd #9 – Anchorage, AK 99503 – (907) 563-1492 – View Map
Alaska National Insurance Co
7001 Jewel Lake Rd – Anchorage, AK 99502 – (907) 248-2642 – View Map
Alaskan General Insurance
1400 W Benson Blvd # 500 – Anchorage, AK 99503 – (907) 297-4500 – View Map
Cheaper auto insurance is a realistic goal
Discount Dodge Dakota insurance in Anchorage is available on the web as well as from independent agents in Anchorage, and you should be comparing both so you have a total pricing picture. A few companies may not offer rate quotes online and these small insurance companies only sell through independent insurance agencies.
In this article, we presented a lot of tips how to compare Dodge Dakota insurance rates in Anchorage. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the lowest priced auto insurance comes from an unexpected company. These companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.
How to find lower priced Dodge Dakota insurance in Anchorage
The best way to get budget car insurance rates in Anchorage is to annually compare prices from companies who sell auto insurance in Alaska. This can be done by following these guidelines.
First, spend a few minutes and learn about car insurance and the measures you can control to prevent expensive coverage. Many rating factors that increase rates such as speeding tickets, careless driving and a poor credit score can be rectified by making minor changes in your lifestyle.
Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide rate quotes from multiple sources. Begin your rate comparison
Third, compare the price quotes to your current policy premium and determine if there is any savings. If you can save money, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current company of your intention to cancel your existing policy and submit payment along with a signed and completed policy application to your new company or agent. As soon as you can, keep your new proof of insurance paperwork along with the vehicle’s registration papers.
A good piece of advice is to make sure you’re comparing identical coverages on each quote and and to get prices from as many different insurance providers as possible. Doing this provides a fair price comparison and the best price selection.
More information is located at the links below
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Anchorage Auto Insurance for a Toyota Highlander? (FAQ)
- How Much is Car Insurance for Low Income Drivers in Anchorage? (FAQ)
- What Car Insurance is Cheapest for Electric Cars in Anchorage? (FAQ)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)