1995 Dodge Grand Caravan Insurance Quotes – 8 Ways to Save

Paying low cost prices for Driversauto insurance can be frustrating for drivers who are beginners to comparing rates online. Drivers have so many options available that it can easily become more work than you anticipated to find a more affordable company.

Consumers need to compare premium rates every six months because auto insurance rates go up and down regularly. Just because you found the best rate for Grand Caravan insurance two years ago a different company probably has better prices today. Forget all the misinformation about auto insurance because we’re going to demonstrate the fastest way to find the best coverage while lowering your premiums.

Finding car insurance

There are a variety of methods to compare car insurance prices but one way is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with agents in your area, or you could use online quoting to achieve your goal.

Most car insurance companies participate in a marketplace where prospective buyers submit one quote, and each participating company then gives them pricing. This saves time by eliminating form submissions to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of system is that consumers can’t choose the providers to get pricing from. So if you want to select from a list of companies to compare rates, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using exactly the same coverage limits for each quote you get. If you have different data then you won’t be able to make a fair rate comparison. Quoting even small variations in coverages may result in a large different in cost. And when quoting car insurance, remember that comparing a large number of companies increases your odds of finding the best rates. Some smaller insurers to not give prices over the internet, so you need to compare prices from them as well.

Ads can be misleading

Big name companies like 21st Century, Allstate and State Farm endlessly run television and radio advertisements. All the ads make the same claim that drivers can save some big amount just by moving your policy. How does every company charge you a lower premium?

Most companies give the cheapest rates for the right customer that will generate a profit. One example of a desirable risk might be between the ages of 30 and 50, has a clear driving record, and insures a new vehicle. Anybody who fits those characteristics is entitled to the best price and as a result will probably save when switching.

Insureds who are not a match for these criteria will get higher prices with the end result being business going elsewhere. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that kind of money. That’s the way companies can truthfully make claims that they all have the best premium rates. Because of this risk profiling, you absolutely need to do a quote comparison often. It’s impossible to know which insurance company will have the best car insurance rates at this point in time.

Cheaper insurance coverage quotes with discounts

Auto insurance companies don’t always publicize every policy discount very well, so the following is a list of a few of the more common as well as the least known discounts you could be receiving when you buy car insurance online.

  • Good Student Discount – Being a good student may save you up to 25%. Earning this discount can benefit you until age 25.
  • New Vehicle Savings – Buying insurance coverage coverage on a new vehicle can get you a discount because new model year vehicles have to meet stringent safety requirements.
  • Homeowners Discount – Owning a house may earn you a small savings since home ownership demonstrates responsibility.
  • Accident-Free Discounts – Drivers who don’t have accidents can save substantially when compared with insureds who have frequent claims or accidents.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
  • Military Discounts – Being on active deployment in the military could qualify you for better rates.
  • Discounts for Federal Employees – Employees or retirees of the government may qualify for a discount when you quote car insurance for Grand Caravan insurance but check with your company.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.

As a sidenote, most discount credits are not given the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

Large insurance coverage companies and a summarized list of policyholder discounts are detailed below.

  • State Farm has savings for passive restraint, student away at school, defensive driving training, multiple policy, and multiple autos.
  • Progressive may include discounts for online quote discount, multi-vehicle, homeowner, good student, and continuous coverage.
  • Progressive has discounts for good student, online quote discount, continuous coverage, online signing, and homeowner.
  • MetLife offers premium reductions for accident-free, good driver, claim-free, defensive driver, and good student.
  • Farm Bureau policyholders can earn discounts including safe driver, driver training, good student, renewal discount, multi-vehicle, and 55 and retired.
  • GEICO may have discounts that include seat belt use, anti-theft, multi-policy, five-year accident-free, anti-lock brakes, defensive driver, and membership and employees.
  • SAFECO includes discounts for anti-theft, safe driver, bundle discounts, homeowner, anti-lock brakes, and teen safe driver.

Check with each company or agent to apply every possible discount. Some of the earlier mentioned discounts may not be available in every state. To view insurers who offer discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether or not you may require specific advice.

  • Do I need replacement cost coverage on my 1995 Dodge Grand Caravan?
  • Should I have a commercial auto policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my camper covered by my car insurance policy?
  • Are split liability limits better than a combined single limit?
  • How high should deductibles be on a 1995 Dodge Grand Caravan?
  • Is my state a no-fault state?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance policy specifics

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, surgery, rehabilitation expenses, ambulance fees and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Grand Caravan.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance – Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, emergency aid, repair costs for stationary objects, medical expenses and medical services. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, rock chips in glass, falling objects and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This covers damage to your Grand Caravan resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, scraping a guard rail, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Better coverage you can count on

When shopping online for auto insurance, it’s not a good idea to buy poor coverage just to save money. Too many times, drivers have reduced uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Budget-friendly auto insurance can be bought on the web and with local insurance agents, so you need to quote car insurance with both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and many times these smaller providers sell through independent agencies.

In this article, we presented some good ideas how you can save on 1995 Dodge Grand Caravan insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with some of the smallest insurance companies.

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