Auto Insurance Quotes for a Dodge Dakota in Phoenix

Are you looking for a better way to compare cheaper Dodge Dakota insurance in Phoenix? Locating lower priced Phoenix Dodge Dakota insurance quotes may be impossible for beginners to comparing rates and buying car insurance over the internet. With so many insurance agents and online companies available, how can vehicle owners be able to compare them all to find the cheapest available price?

Insurance rates Dodge Dakota in PhoenixUnimaginable but true, most car insurance policyholders renewed their policy with the same company for at least four years, and virtually 40% of consumers have never compared rates with other companies. Many drivers in Arizona can cut their rates by roughly 50% a year just by shopping around, but they don’t invest the time required to compare rate quotes.

If you’re already insured, you will most likely be able to cut your premiums using the following tips. The goal of this article is to help you learn the best way to quote coverages and how you can save the most money. Nevertheless, Arizona vehicle owners must know how big insurance companies determine what you pay and use this information to your advantage.

Best Dodge Dakota insurance prices in Arizona

The providers in the list below provide free rate quotes in Phoenix, AZ. If the list has multiple companies, we recommend you click on several of them to find the most competitive car insurance rates.

Dodge Dakota Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Dakota ST Ext Cab 2WD $160 $362 $454 $26 $136 $1,138 $95
Dakota Bighorn Ext Cab 2WD $142 $308 $394 $24 $118 $986 $82
Dakota Lonestar Ext Cab 2WD $144 $246 $374 $22 $112 $898 $75
Dakota ST Crew Cab 2WD $124 $252 $424 $26 $126 $952 $79
Dakota Bighorn Crew Cab 2WD $210 $424 $386 $22 $116 $1,158 $97
Dakota Lonestar Crew Cab 2WD $144 $290 $374 $22 $112 $942 $79
Dakota Bighorn Ext Cab 4WD $138 $252 $338 $20 $102 $850 $71
Dakota ST Ext Cab 4WD $182 $308 $314 $18 $94 $916 $76
Dakota Laramie Crew Cab 2WD $324 $676 $506 $30 $152 $1,688 $141
Dakota ST Crew Cab 4WD $224 $382 $338 $20 $102 $1,066 $89
Dakota Lonestar Ext Cab 4WD $286 $536 $362 $22 $108 $1,314 $110
Dakota Bighorn Crew Cab 4WD $250 $442 $390 $24 $116 $1,222 $102
Dakota TRX Crew Cab 4WD $162 $290 $300 $18 $90 $860 $72
Dakota TRX Crew Cab 4WD $236 $456 $404 $24 $122 $1,242 $104
Dakota Lonestar Crew Cab 4WD $148 $266 $308 $18 $92 $832 $69
Dakota Laramie Crew Cab 4WD $236 $370 $300 $18 $90 $1,014 $85
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in your specific Phoenix location which can decrease or increase insurance rates substantially.

Auto insurance rates by age and gender in Phoenix

The illustration below shows the comparison of Dodge Dakota insurance premiums for male and female drivers. The rate quotes are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied.

Score discounts on Phoenix auto insurance

Some insurers don’t list every discount they offer very clearly, so we took the time to find both the well known and the harder-to-find credits that may apply to you. If you aren’t receiving every discount possible, you may be paying too high a price.Discount auto insurance

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

Companies and some of the discounts can be found below.

When quoting, ask each insurance company how you can save money. Some discounts may not be offered in every state.

Why You Might Pay Inflated Rates in Phoenix

Many factors are part of the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but other criteria are more obscure like where you live and annual miles driven.

Listed below are some of the items auto insurance companies consider when setting prices.

What if I want to buy from local Phoenix insurance agencies?

Some people prefer to sit down with an agent and that is just fine! A nice benefit of price shopping on the web is the fact that you can find the lowest rates but also keep your business local.

Insurance agents in PhoenixTo help locate an agent, after submitting this short form, the coverage information is submitted to insurance agents in Phoenix that provide free Phoenix car insurance quotes to get your business. You won’t even need to contact an agency because prices are sent immediately to your email address. You can find better rates and work with a local agent. In the event you want to compare rates from one company in particular, you can always find their quoting web page to submit a rate quote request.

Finding the right provider should depend on more than just a cheap quote. Get answers to these questions too.

When finding a local Phoenix insurance agent, there are a couple of types of insurance agents that you can select. Auto insurance agents are either exclusive agents or independent agents.

Exclusive Agents

Agents of this type can only place business with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. They receive extensive training on their company’s products which helps them compete with independent agents. Some people will only choose to use a exclusive agent partially due to the brand legacy and solid financial strength.

Listed below are Phoenix exclusive agents willing to provide comparison quotes.

More Phoenix agents

Independent Insurance Agents

Independent agencies can sell policies from many different companies and that is an advantage because they can write policies with lots of companies and find the cheapest auto insurance rates. If they quote lower rates, your policy is moved internally without you having to go to a different agency. If you are comparing auto insurance prices, we recommend you get quotes from several independent agencies to maximize your price options. They often place coverage with smaller regional carriers who may have lower rates.

Below is a list of independent insurance agencies in Phoenix willing to provide rate quotes.

More Phoenix agents

One last note

Lower-priced Dodge Dakota insurance in Phoenix can be found from both online companies and with local Phoenix insurance agents, and you need to comparison shop both to have the best selection. A few companies don’t offer internet price quotes and these regional insurance providers sell through independent insurance agencies.

You just read some good ideas how to compare Dodge Dakota insurance rates in Phoenix. It’s most important to understand that the more rate quotes you have, the higher your chance of finding affordable Dodge Dakota insurance quotes. Consumers may even find the best rates are with a lesser-known regional company.

When searching for low cost Phoenix car insurance quotes, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best possible price, but do not skimp to save money.

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