Cheaper 1993 Dodge Grand Caravan Insurance Quotes

Trying to find cheaper insurance coverage rates for your Dodge Grand Caravan? There isn’t anyone who fancies paying their premiums for insurance coverage, particularly when they could find better prices if they shop around. Big companies like State Farm and GEICO all claim big savings, bombarding you with advertising and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

More affordable rates with these car insurance discounts

Insurance can be prohibitively expensive, but there may be some discounts that can drop the cost substantially. Certain credits will be shown at quote time, but less common discounts must be asked about before they will apply.

  • Discount for Life Insurance – Larger insurance carriers have lower car insurancerates if you buy some life insurance too.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save a little off PIP or medical payments premium.
  • Discount for Low Mileage – Keeping the miles down on your Dodge could qualify for discounted rates on garaged vehicles.
  • Discounts for New Vehicles – Putting insurance coverage on a new car can get you a discount due to better safety requirements for new model year vehicles.
  • Good Grades Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Waiver for an Accident – Not necessarily a discount, but companies like Allstate and Progressive permit an accident before they charge you more for coverage if your claims history is clear for a certain period of time.

It’s important to note that most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

A few popular companies and some of their more popular discounts can be read below.

  • State Farm has discounts for Drive Safe & Save, driver’s education, safe vehicle, Steer Clear safe driver discount, student away at school, and good student.
  • GEICO may offer discounts for anti-theft, emergency military deployment, federal employee, five-year accident-free, and defensive driver.
  • SAFECO may include discounts for teen safe driver, multi-car, bundle discounts, safe driver, and teen safety rewards.
  • Farmers Insurance policyholders can earn discounts including business and professional, early shopping, homeowner, teen driver, multi-car, youthful driver, and electronic funds transfer.
  • AAA may have discounts that include good driver, multi-car, AAA membership discount, good student, and multi-policy.
  • USAA discounts include military installation, defensive driver, new vehicle, family discount, and multi-vehicle.

Before purchasing a policy, check with every insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders everywhere. To see a list of car insurance companies with discount rates, follow this link.

Free insurance rate quotes

Getting a cheaper price on 1993 Dodge Grand Caravan insurance is an easy way to save money. All that’s required is to take the time to compare rate quotes to find. It is quite easy and can be accomplished using one of these methods.

  1. One of the fastest ways consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This quick form keeps you from doing separate forms for every company. Just one form will get you rate comparisons from multiple low-cost companies.
  2. A harder way to find better pricing is spending the time to visit the website of each company and go through the quote process again. For instance, we’ll pretend you want to get rates from Allstate, State Farm and American Family. To find out each rate you need to go to each individual site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The least recommended way to comparison shop to each insurance agency near you. Comparing rate quotes online has made agencies unnecessary unless you have a complicated situation and need the professional abilities of an agent trained in personal lines coverage. If you prefer, some companies allow you to get prices online but have a local agent actually write the policy.

However you get your quotes, double check that you are using nearly identical coverage data with each company. If each company quotes mixed coverages you will not be able to get a fair rate comparison.

Buy more affordable insurance with these tips

Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, but other factors are not as apparent like your continuous coverage or your vehicle rating.One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that play a part in calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to cheaper rates.

Listed below are some of the items that factor into your rates.

  • Liability insurance safeguards assets – Your policy’s liability coverage will protect you in the event that you are found to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense which can cost a lot. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Where you reside plays a part – Living in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Urban drivers tend to have more road rage incidents and higher rates of accident claims. Fewer people means reduced accidents in addition to lower liability claims
  • Low physical damage deductibles can be expensive – Comprehensive and collision coverage deductibles tell how much you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of some claims that would be covered are a windshield broken by a bird, fire damage, and damage caused by road hazards. The larger the amount you’re willing to pay, the less money you will pay for insurance for Grand Caravan insurance.
  • High premiums for teenage drivers – Older drivers are shown to be more cautious, file fewer claims , and are generally more financially stable.Youthful drivers tend to be inattentive behind the wheel so insurance rates are higher.
  • Save by driving cars with good safety ratings – Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce injuries and any reduction in injury severity means less claims paid and cheaper rates on your policy. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Insurance coverage can get complicated

When it comes to choosing coverage, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • Will filing a claim cost me more?
  • Is my trailer covered?
  • Do I have coverage for damage caused while driving under the influence?
  • Are rental cars covered under my policy?
  • Do I benefit by insuring my home with the same company?
  • When should my teen driver be added to my policy?
  • What is an SR-22 filing?
  • What if I owe more than I can insure my car for?
  • Does my policy pay for OEM or aftermarket parts?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Learn about car insurance coverages for a 1993 Dodge Grand Caravan

Learning about specific coverages of car insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most car insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, EMT expenses, chiropractic care and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This coverage will pay to fix damage to your Grand Caravan resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Dodge Grand Caravan.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

This coverage provides protection from damage or injury you incur to people or other property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, medical services and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

One last thing about your coverage

Affordable 1993 Dodge Grand Caravan insurance can be bought from both online companies and also from your neighborhood agents, so you need to shop insurance coverage with both so you have a total pricing picture. A few companies may not have internet price quotes and many times these regional insurance providers work with independent agencies.

As you quote insurance coverage, do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best price.

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