Car Insurance Quotes for a Dodge Dakota in Kansas City

Insurance rates Dodge Dakota in Kansas CityTo save the most money, the best way to quote cheaper Dodge Dakota insurance in Kansas City is to regularly compare price quotes from different companies that insure vehicles in Missouri.

  1. Take a little time to learn about what is in your policy and the steps you can take to keep rates down. Many policy risk factors that result in higher rates like at-fault accidents, careless driving, and a bad credit score can be improved by making small lifestyle or driving habit changes. This article provides additional tips to find cheap rates and find more discounts that you may not know about.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices for a wide range of insurance providers.
  3. Compare the new rate quotes to your current policy premium to see if a cheaper rate is available in Kansas City. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
  4. Give proper notification to your current agent or company to cancel your existing policy and submit a down payment and signed policy application for the new coverage. Immediately place the new certificate of insurance in a readily accessible location in your vehicle.

A good tip to remember is to try to compare similar deductibles and liability limits on every price quote and to quote with as many different companies as possible. This helps ensure a level playing field and a complete price analysis.

Remarkably, a study showed that most car insurance buyers renewed their policy with the same company for over three years, and 38% of drivers have never even compared quotes to find cheap rates. The average driver in Kansas City could save an average of nearly 25% each year, but most just don’t grasp how much they could save if they just switched companies.

Buying the cheapest car insurance in Kansas City can be made easier if you know where to look. If you’re already insured, you stand a good chance to be able to get lower rates using this strategy. But Missouri drivers can benefit from knowing how insurance companies determine premium rates and use it to find better rates.

Informed Consumers Save More

Part of the car insurance buying process is learning some of the factors that help calculate your car insurance rates. If you know what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower rates.

Keep in mind that making a lot of price comparisons helps improve the odds of finding a lower rate. Some companies don’t provide Kansas City Dakota insurance quotes over the internet, so you should also compare price estimates from those companies as well.

The providers in the list below provide price quotes in Kansas City, MO. To get cheaper car insurance in Kansas City, we suggest you visit several of them to get the best price comparison.

Insurance data for a Dodge Dakota

The table displayed next highlights detailed analysis of insurance premium costs for Dodge Dakota models. Being aware of how insurance policy rates are established is important for drivers to make informed decisions when comparing rates.

Dodge Dakota Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Dakota ST Ext Cab 2WD $142 $274 $340 $20 $102 $878 $73
Dakota Bighorn Ext Cab 2WD $142 $274 $340 $20 $102 $878 $73
Dakota Lonestar Ext Cab 2WD $162 $274 $340 $20 $102 $898 $75
Dakota ST Crew Cab 2WD $162 $274 $340 $20 $102 $898 $75
Dakota Bighorn Crew Cab 2WD $162 $322 $340 $20 $102 $946 $79
Dakota Lonestar Crew Cab 2WD $162 $322 $340 $20 $102 $946 $79
Dakota Bighorn Ext Cab 4WD $184 $274 $272 $16 $82 $828 $69
Dakota ST Ext Cab 4WD $184 $274 $272 $16 $82 $828 $69
Dakota Laramie Crew Cab 2WD $184 $322 $340 $20 $102 $968 $81
Dakota ST Crew Cab 4WD $184 $274 $272 $16 $82 $828 $69
Dakota Lonestar Ext Cab 4WD $184 $274 $272 $16 $82 $828 $69
Dakota Bighorn Crew Cab 4WD $184 $274 $272 $16 $82 $828 $69
Dakota TRX Crew Cab 4WD $184 $322 $272 $16 $82 $876 $73
Dakota TRX Crew Cab 4WD $184 $322 $272 $16 $82 $876 $73
Dakota Lonestar Crew Cab 4WD $184 $322 $272 $16 $82 $876 $73
Dakota Laramie Crew Cab 4WD $204 $322 $272 $16 $82 $896 $75
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can raise or lower rates significantly.

The example below illustrates how your deductible choice and can raise or lower Dodge Dakota insurance premiums for each age group. The rate quotes are based on a married male driver, comp and collision included, and no additional discounts are factored in.

Gender-based insurance premiums in Kansas City

The diagram below compares Dodge Dakota auto insurance rates for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage?

The diagram below illustrates the difference between Dodge Dakota car insurance costs when comparing full coverage to liability only. The price estimates are based on no claims or violations, $500 deductibles, single status, and no additional discounts are factored in.

When to stop buying full coverage

There is no clear-cut formula of when to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Dodge Dakota replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after the deductible is paid. If it’s costing in excess of $300 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.

Buying the right Dodge Dakota insurance in Missouri is an important decision

Even though it can be expensive, insuring your vehicle is required by state law in Missouri and it also provides benefits you may not be aware of.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially for larger claims. According to a 2015 survey, the average American driver is currently overpaying as much as $700 annually so smart consumers compare quotes at every policy renewal to ensure rates are inline.

Cheaper rates with these premium slashing discounts

Car insurance is not inexpensive, but there could be available discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of quoting, but occasionally some discounts must be manually applied prior to getting the savings.Cheaper car insurance with discounts

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, nobody gets a free ride. But any discount will cut the cost of your policy.

The illustration below shows the difference between Dodge Dakota car insurance rates with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Missouri state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, multi-policy, and claim-free discounts applied.

A few of the larger companies and their possible discounts are:

Double check with all the companies to apply every possible discount. Some discounts may not be offered in every state. To locate car insurance companies that can offer you the previously mentioned discounts in Missouri, click here.

Auto insurance quotes from local neighborhood Kansas City car insurance agents

A lot of people just want to talk to a local agent and that is not a bad decision One of the best bonuses of comparing rate quotes online is you can get the lowest rates and still choose a local agent.

Find insurance agent in Kansas CityUpon completion of this quick form, your insurance coverage information is immediately sent to local insurance agents in Kansas City who will give you bids for your coverage. You won’t need to leave your computer as quotes are delivered to you instantly. You can most likely find cheaper rates without a big time investment. If you have a need to get a price quote from a specific insurance company, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.

Picking an insurance company should depend on more than just the bottom line cost. These questions are important to ask:

Multiple types of auto insurance agents in Kansas City

If you need to find a reliable insurance agent, it’s important to understand the types of agencies and how they work. Auto insurance policy providers are considered either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance, State Farm, or Allstate. They are unable to provide other company’s prices so they really need to provide good service. They are trained well on the products they sell which helps them sell insurance even at higher premiums.

The following is a short list of exclusive insurance agencies in Kansas City that are able to give comparison quotes.

221 E Gregory Blvd bKansas City, MO 64114(816) 333-3611View Map

7709 NW Prairie View RdKansas City, MO 64151(816) 741-3558View Map

110 NW Barry Rd Ste 203Kansas City, MO 64155(816) 436-6603View Map

More Kansas City agents

Independent Agencies or Brokers

Agents that choose to be independent are not employed by one company so they can quote policies with many different companies and possibly get better coverage at lower prices. If your premiums go up, they simply move the coverage in-house without you having to go to a different agency. If you need cheaper auto insurance rates, we highly recommend that you get insurance quotes from at least one independent agent to have the best price comparison.

Shown below are independent insurance agencies in Kansas City that can give you rate quotes.

214 NE Barry RdKansas City, MO 64155(816) 454-0400View Map

315 E 18th AveKansas City, MO 64116(816) 454-8833View Map

3900 Broadway aKansas City, MO 64111(816) 287-0873View Map

More Kansas City agents

Ratings for Kansas City auto insurance companies

Picking a good quality company can be difficult considering how many companies are available to choose from in Kansas City. The rank data displayed below can help you choose which car insurance providers to look at when looking for cheaper rates.

Top Auto Insurance Companies in Missouri
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing your policy, there isn’t really a single plan that fits everyone. Every insured’s situation is different.Drive safe and save

For example, these questions might help in determining if you might need professional guidance.

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Keep this in mind when shopping around

You just learned many tips how you can lower your Dodge Dakota insurance car insurance rates in Kansas City. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. You may even find the best price on insurance is with a smaller regional carrier.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at the best price, but do not skimp to save money.

Insureds change insurance companies for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, not issuing a premium refund or even high prices. Regardless of your reason for switching companies, finding a great new company is less work than it seems.

Other resources