View 1990 Dodge Caravan Insurance Quotes

Are you irritated from sacrificing other expenses to pay high insurance coverage rates every month? Your situation is no different than many other drivers. You have multiple insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, more choices can make it harder to compare rates and cut insurance costs.

Smart consumers take time to compare premium rates quite often because prices tend to go up over time. Just because you found the lowest price on Caravan insurance two years ago the chances are good that you can find a lower rate quote today. You’ll find quite a bit of inaccurate information about insurance coverage online, but we’re going to give you some tested techniques to lower your insurance coverage rates.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you should be able to cut costs considerably using this strategy. Consumers just need to understand how to buy auto insurance on the web.

Why your insurance prices might be higher

Consumers need to have an understanding of some of the factors that help determine the price you pay for insurance. When consumers understand what impacts premium levels, this enables you to make decisions that can earn you much lower annual insurance costs. Many things are part of the calculation when pricing auto insurance. Most are fairly basic like your driving record, but other factors are not quite as obvious such as your credit history or your vehicle rating.

• Where you reside is a factor – Having an address in less populated areas of the country may provide you with better prices when insuring your vehicles. Fewer drivers corresponds to lower accident rates in addition to lower liability claims Residents of big cities have to deal with more auto accidents and more severe claims. More time commuting statistically corresponds to a higher accident and claim rate.
• Credit rating impacts premium rates – Having a bad credit score will be a significant factor in determining your rates. Consumers who have very good credit scores tend to file fewer claims than drivers who have poor credit scores. If your credit history is low, you could pay less to insure your 1990 Dodge Caravan by repairing your credit.
• Single vs. married – Your spouse may save some money on insurance. Having a significant other translates into being more responsible it has been statistically shown that drivers who are married file infrequent claims.
• Cut insurance rates and deter theft – Owning a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft.
• Use but don’t abuse your insurance – If you are the type of insured that files lots of claims you should expect higher premiums or even policy non-renewal. Car insurance companies provide the best rates to drivers who are not frequent claim filers. Your car insurance is designed for claims that you cannot pay yourself.

Compare car insurance quotes

The majority of larger companies like Progressive, Allstate and Geico allow consumers to get prices direct online. Comparing rates online is easy for anyone as you simply enter the coverage amounts you desire as requested by the quote form. After you complete the form, the company’s rating system makes automated requests for your credit score and driving record and generates pricing information based on these factors. Online price estimates simplifies rate comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form is a big time waster. But it’s necessary to compare as many rates as possible if you are searching for the best price possible.

The quickest way to compare rates makes use of a single form to return rates from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. As soon as the form is sent, it gets priced and you can choose any or none of the quote results. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

If you want to find out what other companies charge, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you type in the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting a rate comparison based on identical coverages.

Discounts for cheaper auto insurance quotes

Some providers don’t necessarily list every policy discount very well, so we researched a few of the more common and the harder-to-find credits that may apply to you.

• E-sign Discounts
• Use Seat Belts – Drivers who require all occupants to buckle up before driving could save 15% off the medical payments premium.
• Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
• Passive Restraint Discount – Options like air bags can get savings of more than 20%.
• Memberships – Affiliation with specific professional or occupational memberships or organizations can get you a small discount on your policy.
• First Accident Forgiveness – Not a discount per se, but certain companies may permit one accident before your rates go up as long as you don’t have any claims prior to the accident.
• Switch and Save Discount – Some insurance companies reward drivers for renewing your policy prior to the expiration date on your current policy. The savings is around 10%.
• Mature Driver Discount – Seniors are able to get lower premium rates on Caravan insurance.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But all discounts will positively reduce the cost of your policy.

Some of the insurance companies who may offer most of these discounts may include but are not limited to:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

When getting a coverage quote, ask every insurance company to apply every possible discount. A few discounts might not be offered on policies in every state. If you would like to view insurance companies with discount auto insurance rates, click here to view.

You may need specialized car insurance coverage

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation may require specific advice.

• How do I insure my teen driver?
• Does car insurance cover theft of personal property?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• If I drive on a suspended license am I covered?
• Do I need PIP coverage since I have good health insurance?
• Does insurance cover tools stolen from my truck?
• Is my dog or cat covered if injured in an accident?
• How much underlying liability do I need for an umbrella policy?
• Should I buy only the required minimum liability coverage?

If you’re not sure about 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, 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 can provide invaluable advice.

Detailed coverages of your insurance policy

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like surgery, dental work, ambulance fees and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage

Collision coverage will pay to fix damage to your Caravan from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Auto liability

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, damage from flooding, hail damage and hitting a bird. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Final thoughts

Some insurance companies don’t offer online quoting and most of the time these regional insurance providers only sell through independent agents. Budget-friendly car insurance is possible online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture.

Throughout this article, we presented a lot of ways to lower your 1990 Dodge Caravan insurance prices. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the best price on car insurance is with a small local company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

To read more, link through to the following helpful articles:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Auto Insurance 101 (About.com)