I can’t think of anyone who looks forward to paying premiums for auto insurance, in particular when they are paying too much.
A recent NerdWallet.com study revealed that almost 70% of insureds in Texas kept buying from the same company for over three years, and 38% of customers have never compared rate quotes at all. American drivers can save hundreds of dollars each year by just shopping around, but they underestimate how much savings they would realize if they replace their high priced policy.
Vehicle owners have so many auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, more options can take longer to compare company pricing for Dodge Dakota insurance in Houston.
The most recommended method to compare rates for Dodge Dakota insurance in Houston is to know all the major auto insurance companies participate in online systems to give rate comparisons. To begin a comparison, all you need to do is give them rating details including whether or not you need a SR-22, deductibles desired, whether the vehicles are used for commuting, and an estimate of your credit level. Your rating data gets transmitted to insurance companies and they respond with quotes instantly.
To compare multiple company lower-cost Dodge Dakota insurance rates now, click here and complete the quick form.
The car insurance companies shown below have been selected to offer comparison quotes in Houston, TX. If multiple providers are shown, we suggest you visit as many as you can in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Dakota ST Ext Cab 2WD | $136 | $322 | $538 | $32 | $162 | $1,190 | $99 |
| Dakota Bighorn Ext Cab 2WD | $326 | $592 | $624 | $36 | $186 | $1,764 | $147 |
| Dakota Lonestar Ext Cab 2WD | $240 | $400 | $476 | $28 | $142 | $1,286 | $107 |
| Dakota ST Crew Cab 2WD | $336 | $496 | $624 | $36 | $186 | $1,678 | $140 |
| Dakota Bighorn Crew Cab 2WD | $326 | $720 | $642 | $38 | $192 | $1,918 | $160 |
| Dakota Lonestar Crew Cab 2WD | $322 | $802 | $576 | $34 | $172 | $1,906 | $159 |
| Dakota Bighorn Ext Cab 4WD | $286 | $486 | $400 | $24 | $120 | $1,316 | $110 |
| Dakota ST Ext Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Dakota Laramie Crew Cab 2WD | $410 | $858 | $642 | $38 | $192 | $2,140 | $178 |
| Dakota ST Crew Cab 4WD | $210 | $340 | $366 | $22 | $110 | $1,048 | $87 |
| Dakota Lonestar Ext Cab 4WD | $286 | $512 | $430 | $26 | $128 | $1,382 | $115 |
| Dakota Bighorn Crew Cab 4WD | $160 | $266 | $366 | $22 | $110 | $924 | $77 |
| Dakota TRX Crew Cab 4WD | $286 | $572 | $430 | $26 | $128 | $1,442 | $120 |
| Dakota TRX Crew Cab 4WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Dakota Lonestar Crew Cab 4WD | $176 | $378 | $430 | $26 | $128 | $1,138 | $95 |
| Dakota Laramie Crew Cab 4WD | $258 | $462 | $430 | $26 | $128 | $1,304 | $109 |
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can decrease or increase coverage prices greatly.
Comparison of full coverage and liability-only policies
The illustration below illustrates the difference between Dodge Dakota insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rate quotes are based on no claims or violations, $100 deductibles, married male driver, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no written rule of when to drop full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Dodge Dakota replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If premium cost is more than $700 annually for your policy with full coverage, then you might consider buying liability only.
There are a few situations where only buying liability is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Are auto insurance agents a thing of the past?
Some consumers just want to have an agent’s advice and doing so can bring peace of mind A good thing about comparing insurance prices online is that you can obtain cheap rate quotes and also buy local.
After filling out this form (opens in new window), your information gets sent to insurance agents in Houston who will gladly provide quotes for your business. You won’t even need to contact any agents because quoted prices will be sent to the email address you provide. You can most likely find cheaper rates without requiring a lot of work. If you wish to compare rates from a specific insurance provider, just find their quoting web page and complete a quote there.
Selecting an provider is decision based upon more than just the premium amount. The following questions are important to ask.
- Will you get a loaner vehicle if you car is being repaired?
- Is assistance available after office hours?
- Will your rates increase after a single accident?
- How long has the business existed?
- What insurance companies do they work with in Houston?
- What will you get paid if your car is a total loss? How is that amount determined?
If you would like to find an insurance agent, it can be helpful to understand the different types of agencies and how they are distinctly different. Insurance agencies in Houston are categorized either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
These agents can only write with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to shop your coverage around so always compare other rates. These agents are well trained on the products they sell which helps offset the inability to provide other markets.
Shown below are Houston exclusive insurance agencies that can give you comparison quotes.
Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map
State Farm: Jack Wallace
3405 Mercer St – Houston, TX 77027 – (713) 626-7500 – View Map
Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155 – View Map
Independent Agents (or Brokers)
Independent insurance agents are appointed with more than one company and that is an advantage because they can write policies with multiple insurance companies and potentially find a lower price. If they find a cheaper price, the business is moved internally and the insured can keep the same agent.
When comparing insurance rates, we recommend you contact independent agents to maximize your price options.
Below are Houston independent insurance agencies willing to provide rate quotes.
Town and Country Insurance Agency – Houston, TX
10575 Katy Fwy # 150 – Houston, TX 77024 – (713) 461-8979 – View Map
Texas Insurance Agency
719 Shotwell St – Houston, TX 77026 – (713) 675-2626 – View Map
Hotchkiss Insurance Agency
13430 Northwest Fwy #600 – Houston, TX 77040 – (713) 956-9800 – View Map
If you feel you receive good answers to any questions you have as well as low cost Dodge Dakota insurance quotes, you have narrowed it down to an insurance agency that meets the requirements to service your policy.