Cheaper 1996 Dodge Grand Caravan Insurance Quotes

Want better insurance coverage rates? Drivers have options when trying to find affordable Dodge Grand Caravan insurance. They can either waste time struggling with agents to compare prices or leverage the internet to compare rates.

There are more efficient ways to find insurance coverage online and you need to know the best way to get price quotes on a Dodge and get the best price possible from both online companies and local agents.

The quickest way to compare rate quotes is to know auto insurance companies pay for the opportunity to compare their rates. The only thing you need to do is give them some information including types of safety features, if you require a SR-22, if the vehicle is leased, and driver ages. That information is submitted instantly to multiple companies and you receive quotes quickly.

Learn how to lower your insurance rates

Multiple criteria are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving record, but some are less apparent like your vehicle usage or how safe your car is.

  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause accidents at a similar rate, but the men get into accidents with more damage. Men also statistically get ticketed for serious violations like reckless driving and DUI.
  • Higher prices for demanding vocations – Do you have a high-stress occupation? Occupations such as real estate brokersairline pilots and emergency personnel tend to have higher premiums than the average policyholder in part from intense work-related stress and long work hours. On the flip side, careers like farmers, historians and homemakers have the lowest average rates for Grand Caravan coverage.
  • How much liability – The liability section of your policy is the protection when you are found liable for damages caused by your negligence. Your liability coverage provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to other policy coverages, so buy as much as you can afford.
  • Driving citations inflate rates – Attentive drivers have lower premiums compared to bad drivers. Even a single citation may increase your cost twenty percent or more. People who have severe violations such as reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to drive a vehicle legally.
  • Vehicles with better crash test results save money – Cars with high safety ratings get lower rates. Vehicles built for safety reduce the chance of injuries and reduced instances of injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge Grand Caravan has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Filing claims can cost you more – Auto insurance companies give most affordable rates to people who do not file claims often. If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Insurance coverage is meant to be used in the event of claims that pose a financial burden.

Take policy discounts and save

Insuring your fleet can be pricey, but you might be missing out on some discounts to help bring down the price. Most are applied at the time you complete a quote, but less common discounts must be requested specifically before being credited.

  • College Student Discount – Children living away from home attending college without a vehicle on campus may qualify for this discount.
  • Discount for New Cars – Buying a new car model can be considerably cheaper since new vehicles are generally safer.
  • Safety Course Discount – Taking part in a class that teaches driver safety techniques may get you a small discount and easily recoup the cost of the course.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings up to 30%.
  • Own a Home – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
  • Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you quote car insurance for Grand Caravan coverage with certain companies.
  • Telematics Data Discounts – Policyholders that allow driving data submission to study their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
  • Early Signing – A few insurance companies allow discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Active Military Service – Being deployed with a military unit could mean lower car insurance rates.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts will definitely reduce your policy premiums.

Some companies that may offer some of the above discounts include:

When getting a coverage quote, ask each insurance company which credits you are entitled to. Discounts may not apply in every state. To see insurance companies that offer some of these discounts, click here to view.

Which policy gives me the best coverage?

When it comes to buying coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions may help you determine whether your personal situation may require specific advice.

  • Am I missing any policy discounts?
  • What if I don’t agree with a claim settlement offer?
  • Is my trailer covered?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need higher collision deductibles?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need rental car coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability

This coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, pain and suffering, emergency aid, medical expenses and loss of income. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision coverage

This covers damage to your Grand Caravan resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive car insurance

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, damage from flooding, damage from a tornado or hurricane and hitting a deer. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Grand Caravan.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like nursing services, dental work, funeral costs, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Final thoughts

Insureds leave their current company for a variety of reasons including high prices, delays in paying claims, high rates after DUI convictions and even being labeled a high risk driver. Regardless of your reason, finding a new insurance coverage company is pretty easy and you might even save some money in the process.

When getting car insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut comprehensive coverage or liability limits only to find out that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the best cost and still be able to protect your assets.

A few companies may not offer price quotes online regional insurance providers sell through independent agents. Budget-friendly insurance coverage is definitely available from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money.

Additional insurance coverage information can be found below: