Cheaper 1991 Dodge Caravan Insurance Rates

Drivers have many options when trying to find the best price on Dodge Caravan insurance. You can either waste hours driving around to compare prices or utilize the internet to get rate quotes. There are more efficient ways to shop for insurance coverage and you need to know the absolute fastest way to compare rates for a Dodge and obtain the cheapest rates from both online companies and local agents.

Informed consumers know how to quote car insurance more affordably

Lots of things are taken into consideration when premium rates are determined. Most are fairly basic like a motor vehicle report, but other factors are more transparent such as your credit history or your commute time.

• Insurance is expensive for youthful drivers – Older insureds tend to be more responsible, tend to file fewer claims .Beginning drivers have been known to be easily distracted in a vehicle so car insurance rates are higher.
• Avoid car insurance lapses – Driving with no insurance is against the law and companies may charge more for letting your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance will get you a license revocation or jail time. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Low deductibles can be expensive – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Dodge from damage. Some examples of covered claims would be collision with another vehicle, flood damage, and rolling your vehicle. Deductibles for physical damage are how much the insured will be required to pay before a claim is paid by your company. The larger the amount you pay before a claim is paid (deductible), the bigger discount you will receive for Caravan coverage.
• Lower rates with a multi-policy discount – The majority of car insurance companies apply lower prices to customers that have more than one policy in the form of a multi-policy discount. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to check prices from other companies to help guarantee you have the best rates.
• Credit score impacts premium costs – Your credit score can be a huge factor in determining what you pay for car insurance. If your credit history is not that good, you could pay less to insure your 1991 Dodge Caravan by spending a little time repairing your credit. People that have excellent credit scores tend to be better drivers and file fewer claims than drivers with bad credit.
• Alarm systems save money – Selecting a car model that has a built-in theft deterrent system can save you some money. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all hinder your car from being stolen.
• Why do you need liability insurance? – The liability coverage on your policy will protect you if ever you are determined to be liable for damages from an accident. It provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
• Marriage pays dividends – Having a wife or husband helps lower the price on your car insurance policy. Marriage generally demonstrates drivers are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.

The best way we recommend to get policy rate comparisons is to know most of the bigger providers have advanced systems to compare their rates. The only thing you need to do is give them some information such as if you’re married, if you require a SR-22, if you have an active license, and how many miles driven. Your information is submitted instantly to multiple different insurance companies and you should receive rate quotes within a short period of time.

Auto insurance discounts are available to reduce your rates

Buying auto insurance is not cheap, but there’s a good chance there are discounts that can help lower your rates. A few discounts will automatically apply when you get a quote, but some need to be requested specifically before you will receive the discount. If you’re not getting every credit you deserve, you could be paying more than you need to.

• Early Renewal Discounts – Select insurance companies give a discount for switching companies prior to your current policy expiration. It’s a savings of about 10%.
• One Accident Forgiven – This isn’t a discount exactly, but some insurance companies will let one accident slide without the usual rate increase if you are claim-free for a particular time prior to the accident.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Own a Home – Just owning your own home can save a few bucks since owning and maintaining a home requires personal responsibility.
• Telematics Data – Insureds that choose to allow data collection to monitor driving manner remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.

As a sidenote, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Large auto insurance companies and a selection of discounts are outlined below.

• Geico may include discounts for membership and employees, military active duty, driver training, good student, air bags, and five-year accident-free.
• Travelers has savings for driver training, home ownership, hybrid/electric vehicle, new car, and multi-car.
• Nationwide may have discounts that include defensive driving, multi-policy, business or organization, anti-theft, family plan, accident-free, and Farm Bureau membership.
• Farmers Insurance offers discounts including electronic funds transfer, good student, alternative fuel, teen driver, bundle discounts, and distant student.
• Esurance policyholders can earn discounts including paid-in-full, good student, multi-car, Pac-12 alumni, anti-lock brakes, and DriveSense.
• State Farm includes discounts for anti-theft, driver’s education, student away at school, safe vehicle, passive restraint, multiple policy, and defensive driving training.
• Progressive discounts include multi-policy, online signing, good student, multi-vehicle, homeowner, and online quote discount.
• Mercury Insurance may offer discounts for annual mileage, multi-policy, anti-theft, accident-free, and low natural disaster claims.

If you want inexpensive car insurance quotes, ask each company or agent which discounts can lower your rates. Some credits might not be offered on policies in your state. To locate providers with discount auto insurance rates, click here to view.

Everyone needs different car insurance coverages

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

• Why am I required to buy high-risk coverage?
• Are all vehicle passengers covered by medical payments coverage?
• Who is covered when they drive my 1991 Dodge Caravan?
• Am I covered if I hit a deer?
• Where can I find DUI or SR-22 insurance?
• Does my medical payments coverage pay my health insurance deductible?
• How do I buy GAP insurance?

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 a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Understanding the coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as surgery, X-ray expenses, prosthetic devices, funeral costs and dental work. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, repair costs for stationary objects, loss of income and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, theft, hitting a bird, rock chips in glass and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

The bottom line

When you buy car insurance online, make sure you don’t buy poor coverage just to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Cheaper auto insurance is definitely available both online as well as from independent agents, so you should compare both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and usually these regional insurance providers only sell coverage through local independent agencies.

We’ve covered a lot of ways to lower your 1991 Dodge Caravan insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even discover the best price on auto insurance is with a smaller regional carrier.

Additional information is available at the links below

• Driving in Bad Weather (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Insuring a Leased Car (Insurance Information Insitute)
• Auto Insurance 101 (About.com)