How Much Does 1998 Dodge Caravan Insurance Cost?

If you’re shopping for more affordable insurance online, do you get frustrated by the crazy number of auto insurance companies in your area? people have such a large number of options that it can quickly become a chore to lower your rates.

You should take the time to compare rates yearly since insurance prices change quite often. If you had the lowest price for Caravan insurance six months ago there is a good chance you can find better rates now. There is a lot of bad information regarding auto insurance online but in this article, you’re going to get some good information on how to quit paying high auto insurance rates.

The quickest method to compare insurance rates from multiple companies is to realize almost all companies will pay a fee to quote your coverage. The only thing you need to do is provide information including if your license is active, whether you are married, whether you drive to work or school, and what your job is. That rating data is then sent to insurance carriers in your area and they respond with quotes within a short period of time.

To compare multiple company rates now, click here then complete the form.

These discounts can lower your insurance coverage rates

Buying insurance coverage is not cheap, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but a few must be specially asked for before they will apply. If you do not double check each discount you deserve, you may be paying too high a price.

  • Professional Memberships – Joining a civic or occupational organization could trigger savings when getting a car insurance quote.
  • Defensive Driver Discount – Taking time to complete a safe driver class could cut 5% off your bill and easily recoup the cost of the course.
  • Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Low Mileage – Fewer annual miles on your Dodge could be rewarded with discounted insurance coveragerates on garaged vehicles.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Federal Government Employee – Federal government employees could cut as much as 10% off for Caravan insurance with a few insurance coverage companies.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars or trucks with one company can get a discount for every vehicle.

You should keep in mind that most credits do not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount should help reduce your insurance coverage premiums.

Car insurance companies that have many of the previously listed discounts include:

When quoting, ask each company to apply every possible discount. Savings may not be available in your area.

Different people need different car insurance coverages

When it comes to choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • When do I need to add a new car to my policy?
  • Why does it cost so much to insure a teen driver?
  • When would I need additional glass coverage?
  • Is my camper covered by my car insurance policy?
  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • What is covered by UM/UIM coverage?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Why smart buyers pay less for Dodge Caravan insurance

Smart consumers have a good feel for some of the things that aid in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that can help you get lower premium levels. Multiple criteria are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but other factors are not quite as obvious like your vehicle usage or how safe your car is.

  • Discounts for married drivers – Having a significant other may earn you lower rates on your policy. Having a spouse means you’re more stable financially and insurance companies like that married drivers tend to have fewer serious accidents.
  • Where you live factors in – Residing in a rural area may provide you with better prices when shopping for auto insurance. Drivers who live in large cities tend to have congested traffic and higher rates of accident claims. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • When should you file a claims? – Car insurance companies generally give discounts to insureds who are not frequent claim filers. If you file a lot of claims you can look forward to higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Lower annual miles equals lower premium – Driving a lot of miles annually the more you’ll pay to insure your vehicle. A lot of companies apply a rate based on how the vehicle is used. Cars left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Verify your declarations sheet is showing how each vehicle is driven, because it can save money. A policy that improperly rates your Caravan may be costing you.
  • Know your vehicle’s IIHS safety rating – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and lower rates of occupant injuries means less money paid by your insurance company which can mean better rates for you.
  • How credit rating affects insurance prices – Having a bad credit score is a big factor in calculating your premium rate. Drivers with very good credit scores tend to be better drivers and file fewer claims than drivers who have lower ratings. So if your credit rating could use some work, you could potentially save money when insuring your 1998 Dodge Caravan by improving your credit score.
  • Limits of liability protection – The liability section of your policy will protect you when a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides you with a defense in court starting from day one. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Don’t get traffic citations – Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. Having just one speeding ticket or other violation can increase the cost of insurance by as much as twenty percent. Drivers who have license-revoking violations like reckless driving, hit and run or driving under the influence may find they need to maintain a SR-22 with the DMV in their state in order to prevent a license revocation.

But they said I’d save $433 a year!

Insurance companies such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all seem to make the same claim that people will save if you move your policy. How is it possible that every company can charge you a lower premium? This is how they do it.

Insurance companies have specific guidelines for a prospective insured that will most likely be profitable. A good example of a profitable risk profile might have to be over the age of 40, carries high limits, and has a high credit rating. Anybody who matches those parameters will qualify for the lowest rates and will most likely pay quite a bit less when switching companies.

Insureds who fall short of these stringent criteria will probably have to pay higher premiums and the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save money. That’s why insurance companies can confidently state the savings. This really emphasizes why it is so important to compare quotes as often as possible. It’s impossible to know which insurance company will have better rates than you’re paying now.

Car insurance coverage information

Learning about specific coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability insurance

Liability coverage can cover damage that occurs to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like funeral expenses, court costs, bail bonds, pain and suffering and structural damage. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Caravan.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive car insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as chiropractic care, ambulance fees, rehabilitation expenses, dental work and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

Low-cost 1998 Dodge Caravan insurance is available on the web and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not offer online price quotes and these smaller providers prefer to sell through local independent agencies.

When you buy car insurance online, it’s very important that you do not reduce needed coverages to save money. In too many instances, someone sacrificed liability limits or collision coverage only to regret at claim time that it was a big mistake. The goal is to buy a smart amount of coverage at the best cost.

People who switch companies do it for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, delays in responding to claim requests and even high rates after DUI convictions. It doesn’t matter what your reason, finding the right auto insurance provider is not as difficult as it may seem.

Additional auto insurance information can be read below: