Cheaper 1991 Dodge Grand Caravan Insurance Rates

Trying to find the cheapest auto insurance rates for your Dodge Grand Caravan? Tired of scraping the payment together to insure your Dodge every month? You are no different than the majority of other consumers. Due to the abundance of insurance providers from which to choose, it is hard for the average consumer to find the lowest cost insurance company.

Why informed consumers pay less for Dodge Grand Caravan insurance

Many different elements are taken into consideration when premium rates are determined. Most are fairly basic like an MVR report, but some are more obscure such as whether you are married or how safe your car is.Consumers need to have an understanding of the different types of things that are used to determine your premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find big savings.

Listed below are some of the items used by companies to determine your rates.

  • Where you reside is a factor – Living in a rural area may provide you with better prices when trying to find low car insurance rates. Residents of big cities have to deal with more traffic problems and more time behind the wheel. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims.
  • Lower prices with uninterrupted coverage – Driving with no insurance is a big no-no and as a result your rates will increase for letting your insurance coverage expire. In addition to paying higher premiums, not being able to provide proof of insurance may result in fines and jail time. You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Teen drivers pay high prices – Older drivers tend to be more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.Drivers with little experience are proven to get distracted easily when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
  • Annual miles is a factor – The higher the miles on your Dodge in a year the more you will pay for auto insurance. A lot of insurance companies calculate prices partially by how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Verify your auto insurance declarations sheet shows the proper vehicle usage, because it can save money. Having the wrong rating on your Grand Caravan can cost quite a bit.
  • How credit rating affects auto insurance premiums – Having a good credit score can be a huge factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower ratings. So if your credit history can be improved, you could pay less to insure your 1991 Dodge Grand Caravan by repairing your credit.
  • Tickets and citations cost more than a fine – How you drive influences premium rates substantially. Even one driving citation may increase your cost substantially. Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers who get severe violations like DUI, reckless driving or excessive speeding may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to prevent a license revocation.

Buy insurance online

There are a variety of methods to compare insurance quotes, but one way is more efficient than others. You can waste hours driving to insurance companies in your area, or you could save time and use online quoting to get prices fast.

Many insurance companies belong to a marketplace where prospective buyers complete one form, and at least one company returns a competitive quote based on that data. This saves time by eliminating repetitive form submissions for every insurance company. To access this free quoting program, click here (opens in new window).

The only downside to doing it this way is you cannot specify the providers you want to price. So if you prefer to choose specific providers to compare rates, we have assembled a list of companies who write insurance in your area. Click to view list.

Whichever method you choose, compare exactly the same coverages for every company. If the quotes have higher or lower deductibles it’s impossible to decipher which rate is best.

Find discounts to get cheap insurance quotes

Insurance can be pricey, but you might already qualify for some discounts that many people don’t even know exist. Many of these discounts will be applied automatically at quote time, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Telematics Data – Insureds that choose to allow their insurance company to study their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
  • Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
  • Paperless Signup – A few larger online companies will provide an incentive for buying your policy online.
  • Low Mileage – Maintaining low annual mileage can qualify you for lower rates due to less chance of an accident.
  • Student Discount for Driver Training – Require your teen driver to sucessfully take a drivers education course if it’s offered in school.
  • Claim Free – Good drivers with no accidents have much lower rates as compared to insureds who have frequent claims or accidents.

Please keep in mind that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky.

Larger insurance companies and some of their more popular discounts can be read below.

  • Progressive offers premium reductions for good student, homeowner, online signing, multi-policy, online quote discount, and continuous coverage.
  • AAA may have discounts that include pay-in-full, anti-theft, good student, multi-car, AAA membership discount, and multi-policy.
  • Farmers Insurance includes discounts for electronic funds transfer, mature driver, distant student, multi-car, bundle discounts, and teen driver.
  • GEICO may include discounts for membership and employees, anti-lock brakes, emergency military deployment, multi-policy, and good student.
  • Esurance offers discounts for safety device, multi-policy, multi-car, emergency road assistance, good student, defensive driver, and online quote.
  • SAFECO may offer discounts for drive less, homeowner, anti-theft, anti-lock brakes, accident prevention training, and teen safe driver.
  • State Farm offers discounts including Drive Safe & Save, multiple policy, driver’s education, defensive driving training, and good student.

Check with all the companies which discounts you may be entitled to. Some discounts listed above may not be available everywhere. To view companies who offer free insurance quotes, click here.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out whether you will benefit from professional help.

  • What is the minimum liability in my state?
  • Is other people’s property covered if stolen from my vehicle?
  • What exactly is covered by my policy?
  • Is my 1991 Dodge Grand Caravan covered for smoke damage?
  • What is the difference between comprehensive and collision coverage?
  • What is no-fault insurance?
  • I have a DUI can I still get coverage?
  • Am I covered if my car is in a flood?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Collision coverage protection

This covers damage to your Grand Caravan resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, hail damage, vandalism, damage from getting keyed and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills such as surgery, prosthetic devices, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, court costs and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Quote often and quote early

We just showed you a lot of techniques to reduce 1991 Dodge Grand Caravan insurance premium rates online. The key concept to understand is the more you quote insurance, the higher your chance of finding affordable insurance. You may be surprised to find that the biggest savings come from a small mutual company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

More affordable auto insurance can be bought both online and from local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

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