1997 Dodge Grand Caravan Insurance Quotes

Looking for cheaper insurance rates for your Dodge Grand Caravan? There isn’t a single person who rejoices having to buy insurance, in particular when the prices are way too high. Due to the large number of different company options, it’s nearly impossible to find the lowest price company.

Take policy discounts and save

Some insurance providers do not list every discount in an easy-to-find place, so the below list has a few of the more common as well as some of the hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

  • Lower Rates for Military – Having a deployed family member could trigger a small discount.
  • Homeowners Pay Less – Owning your own home or condo may earn you a small savings because maintaining a house demonstrates responsibility.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like Progressive, Allstate, and Liberty Mutual allow you one accident before raising your premiums if you are claim-free for a set time period.
  • Memberships – Being a member of a civic or occupational organization can get you a small discount on your policy.
  • Federal Employees – Active or former government employment can earn a discount up to 10% for Grand Caravan coverage depending on your company.
  • Early Signing – A few insurance companies offer discounts for switching to them early. It could save around 10% when you buy insurance online.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, it doesn’t quite work that way.

A few of the larger companies and the discounts they provide are detailed below.

  • Travelers offers premium reductions for multi-policy, driver training, continuous insurance, payment discounts, home ownership, save driver, and good student.
  • 21st Century may include discounts for air bags, defensive driver, student driver, 55 and older, and anti-lock brakes.
  • State Farm offers discounts including defensive driving training, student away at school, good student, Drive Safe & Save, passive restraint, and multiple policy.
  • GEICO includes discounts for air bags, five-year accident-free, anti-theft, anti-lock brakes, and federal employee.
  • SAFECO discounts include drive less, multi-car, safe driver, homeowner, and anti-lock brakes.
  • AAA offers discounts for pay-in-full, good driver, anti-theft, AAA membership discount, education and occupation, multi-policy, and good student.

If you need cheaper insurance quotes, ask each company which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders in your state. To choose companies that offer multiple discounts, click here.

Which policy gives me the best coverage?

When buying coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions might help in determining if you could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • What is the minimum liability in my state?
  • Should I rate my 1997 Dodge Grand Caravan as pleasure use or commute?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I sign the liability waiver when renting a car?
  • Can I drive in Mexico and have coverage?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Car insurance coverage basics

Having a good grasp of car insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Comprehensive car insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, vandalism, hail damage and theft. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as doctor visits, hospital visits, surgery and nursing services. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision protection

Collision coverage 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 then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, colliding with a tree, hitting a parking meter and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, attorney fees and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 1997 Dodge Grand Caravan.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Be a money saver!

There are still a few companies who don’t offer online rate quotes and usually these small insurance companies provide coverage only through independent insurance agencies. Cheaper 1997 Dodge Grand Caravan insurance can be sourced online and from local insurance agents, and you should be comparing both to have the best selection.

As you quote insurance, don’t be tempted to buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best price and still be able to protect your assets.

We just presented many ideas to get a better price on 1997 Dodge Grand Caravan insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from the least-expected company. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

Much more information about car insurance is located on the following sites: