Trying to find cheaper insurance rates for your Dodge Caravan? No normal person loves paying for insurance, especially when they know the prices are way too high. Insurance companies such as Allstate, Progressive and GEICO all claim big savings with fancy advertisements and consumers find it hard to see through the deception and take the time to shop coverage around.
If you have a current auto insurance policy or are just looking to switch companies, you can use this information to find the best rates while maximizing coverage. Choosing the best insurance company for you is quite easy. Drivers only need to know the proper methods to shop for auto insurance on the web.
Insuring your vehicles can cost a lot, but you might already qualify for some discounts to reduce the price significantly. Certain credits will be shown at the time you complete a quote, but some discounts are required to be manually applied prior to receiving the credit.
Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, you aren’t that lucky.
Auto insurance companies that may offer policyholders these discounts may include but are not limited to:
Check with all the companies which discounts can lower your rates. Some discounts listed above may not be available in your area.
The method we recommend to get rate comparisons is to realize all the major auto insurance companies have advanced systems to provide you with a free rate quote. To begin a comparison, all you need to do is take a few minutes to give details such as whether you are single or married, how you use your vehicles, what you do for a living, and if you went to college. Your rating data is instantly provided to multiple companies and they return cost estimate with very little delay.
When it comes to choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether your personal situation might need an agent’s assistance.
If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.
Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.
Protection from uninsured/underinsured drivers
This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1991 Dodge Caravan.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive (Other than Collision)
Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as damage from getting keyed, falling objects, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Auto liability insurance
This coverage protects you from damage that occurs to other people or property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability can pay for things like legal defense fees, structural damage, emergency aid, pain and suffering and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.
Collision coverage protection
This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as hitting a parking meter, colliding with a tree, scraping a guard rail, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.
Medical expense insurance
Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, funeral costs, hospital visits, doctor visits and ambulance fees. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
There are still a few companies who don’t offer rate quotes online and many times these small insurance companies only sell coverage through independent insurance agencies. Cheaper 1991 Dodge Caravan insurance can be found both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture.
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.