1992 Dodge Grand Caravan Insurance Cost

Trying to find cheaper auto insurance rates for your Dodge Grand Caravan? If you are new to getting car insurance quotes online, you can easily be bewildered by the large number of online auto insurance companies and websites competing for business.

You should make it a habit to do price comparisons at least once a year due to the fact that insurance prices tend to go up over time. Just because you had the best deal for Grand Caravan coverage on your last policy a different company probably has better premium rates today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the fastest way to find the best coverage while lowering your premiums.

The easiest way to get rate comparisons is to understand most of the larger companies participate in a system to give free rates quotes. To get started, all you need to do is give them some information such as types of safety features, the ages of drivers, if the car is leased, and marital status. Those rating factors is sent automatically to multiple auto insurance providers and they respond with quotes instantly to find the best rate.

When to get professional advice

When it comes to buying the best insurance coverage coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • What exactly is covered by my policy?
  • Do I pay less for low miles?
  • Is my custom paint covered by insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is PIP insurance?
  • Should I have a commercial auto policy?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Coverage specifics

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance – Liability insurance will cover damage that occurs to other people or property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, bail bonds, medical services and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Dodge Grand 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. So UM/UIM coverage is very important.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, falling objects, a tree branch falling on your vehicle and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – Collision coverage will pay to fix damage to your Grand Caravan caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses like nursing services, pain medications, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay