Car Insurance Quotes for a Dodge Dakota in Colorado Springs

Insurance rates Dodge Dakota in Colorado SpringsIt’s easy to assume that auto insurance companies want to keep you from comparing prices. Drivers who shop for lower prices will, in all likelihood, move their business because there is a high probability of finding a lower-priced company. A recent survey revealed that people who routinely compared quotes saved an average of $3,500 over four years as compared to drivers who didn’t regularly shop around.

If saving money on insurance is your goal, understanding how to find and compare coverage rates can make it easier to find better rates.

If you want to find the absolute lowest rates, then the best way to find low-cost prices for Dodge Dakota insurance is to regularly compare prices from providers who can sell car insurance in Colorado Springs. You can compare prices by following these steps.

First, try to learn about how car insurance works and the steps you can take to lower rates. Many factors that cause rate increases such as traffic citations, accidents, and a negative credit score can be amended by paying attention to minor details. Read the full article for additional tips to get cheaper coverage and find available discounts that you may qualify for.

Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for many different companies.

Third, compare the new rates to your current policy premium to see if a cheaper price is available in Colorado Springs. If you find a lower rate and change companies, make sure there is no coverage gap between policies.

One bit of advice is that you’ll want to compare the same liability limits and deductibles on each quote and and to get rates from as many different companies as possible. This provides an apples-to-apples comparison and many rates to choose from.

Insurance rates and discounts

Some providers don’t list every available discount very clearly, so the list below gives a summary of some of the best known as well as some of the hidden discounts that you may qualify for.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

The chart below illustrates the comparison of Dodge Dakota insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents or driving violations, Colorado state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, claim-free, homeowner, and multi-car discounts applied.

Companies and some of the discounts include:

Double check with every insurance company which credits you are entitled to. A few discounts may not be available in every state. If you would like to see a list of providers who offer free Dodge Dakota insurance quotes in Colorado, click here.

The quickest method to get rate comparisons for Dodge Dakota insurance in Colorado Springs utilizes the fact almost all companies actually pay money for the chance to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details such as if a SR-22 is needed, if you have a valid license, if you lease or own, and whether you are married. Those rating factors is instantly provided to all major companies and you should receive rate quotes instantly.

If you would like to start a quote now, click here and enter your zip code.

The companies shown below are our best choices to provide comparison quotes in Colorado. To get the best auto insurance in CO, we suggest you get prices from several of them in order to get a fair rate comparison.

Analysis of coverages

The price information below highlights a range of insurance coverage prices for Dodge Dakota models. Having a better understanding of how prices are formulated can be of help when making smart choices when purchasing an auto insurance policy.

Dodge Dakota Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Dakota ST Ext Cab 2WD $132 $264 $452 $26 $136 $1,010 $84
Dakota Bighorn Ext Cab 2WD $132 $264 $452 $26 $136 $1,010 $84
Dakota Lonestar Ext Cab 2WD $152 $264 $452 $26 $136 $1,030 $86
Dakota ST Crew Cab 2WD $152 $264 $452 $26 $136 $1,030 $86
Dakota Bighorn Crew Cab 2WD $152 $312 $452 $26 $136 $1,078 $90
Dakota Lonestar Crew Cab 2WD $152 $312 $452 $26 $136 $1,078 $90
Dakota Bighorn Ext Cab 4WD $172 $264 $362 $22 $108 $928 $77
Dakota ST Ext Cab 4WD $172 $264 $362 $22 $108 $928 $77
Dakota Laramie Crew Cab 2WD $172 $312 $452 $26 $136 $1,098 $92
Dakota ST Crew Cab 4WD $172 $264 $362 $22 $108 $928 $77
Dakota Lonestar Ext Cab 4WD $172 $264 $362 $22 $108 $928 $77
Dakota Bighorn Crew Cab 4WD $172 $264 $362 $22 $108 $928 $77
Dakota TRX Crew Cab 4WD $172 $312 $362 $22 $108 $976 $81
Dakota TRX Crew Cab 4WD $172 $312 $362 $22 $108 $976 $81
Dakota Lonestar Crew Cab 4WD $172 $312 $362 $22 $108 $976 $81
Dakota Laramie Crew Cab 4WD $192 $312 $362 $22 $108 $996 $83
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in specific garaging location which can decrease or increase price quotes considerably.

Insurance premiums by gender

The information below visualizes the comparison of Dodge Dakota insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

How do Car Insurance Companies Determine Dodge Dakota Insurance Premiums?

It’s important that you understand some of the elements that come into play when calculating your car insurance rates. If you know what influences your rates, this helps enable you to make changes that can earn you lower premium levels.

When to get advice from a local insurance agent

Some consumers would prefer to buy from a local agent and that is a smart decision An additional benefit of comparing rate quotes online is that drivers can save money and get cheap rate quotes and still choose a local agent. And supporting neighborhood agents is definitely important in Colorado Springs.

Insurance agents in Colorado SpringsFor easy comparison, once you complete this form (opens in new window), the coverage information is emailed to insurance agents in Colorado Springs who can give free rate quotes to get your business. You won’t even need to do any legwork since price quotes are sent instantly to you. You can most likely find cheaper rates and work with a local agent. In the event you want to get a price quote from a particular provider, just find their quoting web page and submit a quote form there.

If you need to find a reputable insurance agent or broker, it can be helpful to understand the types of agencies from which to choose. Insurance agencies in Colorado Springs are either independent agents or exclusive agents.

Independent Insurance Agents

Independent insurance agents are not restricted to one company and that gives them the ability to insure through many companies and find you cheaper rates. To transfer your coverage to a different company, the business is moved internally and the insured can keep the same agent. If you need lower rates, we recommend you compare quotes from multiple independent agents to have the most options to choose from.

Shown below are Colorado Springs independent agents who may be able to give you free insurance rate quotes.

5155 N Academy, #110Colorado Springs, CO 80918(719) 622-3079View Map

1880 Dublin Blvd # CColorado Springs, CO 80918(719) 528-1555View Map

707 S Tejon StColorado Springs, CO 80903(719) 227-7100View Map

More Colorado Springs agents

Exclusive Agents

These type of agents can only provide one company’s prices like State Farm, AAA, and Liberty Mutual. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are well schooled on their company’s products and that allows them to sell at a higher price point.

Shown below is a short list of exclusive agencies in Colorado Springs who can help you get comparison quotes.

6632 Delmonico DrColorado Springs, CO 80919(719) 268-0080View Map

1867 S Academy BlvdColorado Springs, CO 80916(719) 434-3944View Map

106 N Circle DriveColorado Springs, CO 80909(719) 633-0300View Map

More Colorado Springs agents

Picking the best auto insurance agent shouldn’t rely on just the quoted price. Any agent in Colorado Springs should be forthright in answering these questions:

Choosing the best Dodge Dakota insurance in Colorado is an important decision

Despite the fact that auto insurance is not cheap in Colorado Springs, insuring your vehicle is required in Colorado but it also protects you in many ways.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying more than $865 each year so it’s very important to do a rate comparison at every policy renewal to be sure current rates are still competitive.

Don’t give up on affordable rates

We just covered a lot of techniques to compare Dodge Dakota insurance auto insurance rates in Colorado Springs. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped collision coverage to discover at claim time they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at the best price and still be able to protect your assets.

Lower-priced Dodge Dakota insurance in Colorado Springs is available both online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not offer price quotes online and usually these small insurance companies work with independent agencies.

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