How Much Does 1991 Dodge Grand Caravan Insurance Cost?

Trying to find lower car insurance rates for your Dodge Grand Caravan? Searching for low-cost insurance for your Dodge Grand Caravan can turn out to be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to compare rates on a Dodge and find the best price possible.

If you have a policy now or need new coverage, you can use these tips to get lower rates while maximizing coverage. Finding affordable protection can be fairly easy. Consumers only need to know the most effective way to get comparison rates over the internet.

Double check you’re getting these discounts

Companies do not advertise the entire discount list very clearly, so the following is a list of both the well known as well as the least known discounts that you may qualify for. If you don’t get every credit you deserve, you could be saving more on your insurance.

• Active Service Discounts – Being deployed with a military unit could qualify you for better insurance rates.
• Discounts for Government Workers – Employees or retirees of the government can save as much as 8% for Grand Caravan coverage with select insurance companies.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
• Discount for Low Mileage – Fewer annual miles on your Dodge could earn better prices on cars that stay parked.
• Good Grades Discount – This discount can save 20 to 25%. Most companies allow this discount until age 25.
• Accident Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
• Distant Student Discount – Children who live away from home to go to college and don’t have a car may be able to be covered for less.
• Accident Forgiveness – Not necessarily a discount, but some companies like Allstate and Progressive will forgive one accident without the usual rate increase if you have no claims prior to being involved in the accident.
• Paper-free Discount – A handful of larger companies provide a small discount shop car insurance online.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, you aren’t that lucky.

A list of insurance companies and some of the discounts can be read below.

• American Family may offer discounts for defensive driver, Steer into Savings, multi-vehicle, bundled insurance, good student, mySafetyValet, and good driver.
• Farm Bureau offers premium reductions for youthful driver, renewal discount, safe driver, multi-vehicle, and driver training.
• State Farm offers discounts for Steer Clear safe driver discount, driver’s education, accident-free, defensive driving training, and passive restraint.
• Travelers may include discounts for new car, early quote, hybrid/electric vehicle, payment discounts, student away at school, and home ownership.
• The Hartford may have discounts that include defensive driver, anti-theft, vehicle fuel type, bundle, and good student.
• Geico discounts include five-year accident-free, membership and employees, emergency military deployment, defensive driver, daytime running lights, driver training, and military active duty.
• Progressive offers discounts including homeowner, good student, online quote discount, online signing, multi-vehicle, continuous coverage, and multi-policy.

Before buying, ask all companies you are considering which discounts they offer. Some discounts listed above may not be offered in every state.

Low cost auto insurance rate quotes online

Performing a rate comparison can take hours if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to insurance companies in your area, or you could save time and use online quoting to quickly compare rates.

Most car insurance companies are enrolled in a marketplace where prospective buyers send in one quote, and each company then gives them pricing for coverage. This saves time by eliminating form submissions to every company.

To compare pricing click here (opens in new window).

One minor caviat to comparing rates this way is that you can’t choose which carriers to receive prices from. So if you want to choose specific providers to compare rates, we have a page of companies who write auto insurance in your area. Click here to view list.

However you get your quotes, try to use identical coverages and limits on every quote you get. If each company quotes different liability limits it will be next to impossible to make an equal comparison.

Special considerations

When buying adequate coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation may require specific advice.

• Do I have coverage when using my vehicle for my home business?
• What is roadside assistance coverage?
• Does my personal policy cover me when driving out-of-state?
• How much can I save by bundling my policies?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Collision coverage

Collision insurance covers damage to your Grand Caravan from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, hitting a deer, fire damage and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills for things like prosthetic devices, EMT expenses, surgery and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability car insurance

This provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, emergency aid, medical expenses, court costs and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Be a penny pincher

When you buy car insurance online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big error on their part. Your goal is to find the BEST coverage at the best price, not the least amount of coverage.

We just showed you some good ideas how you can shop for 1991 Dodge Grand Caravan insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies.

Cheap 1991 Dodge Grand Caravan insurance can be bought online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide online rate quotes and most of the time these small insurance companies work with independent agencies.

More detailed insurance information can be read at these sites:

• Auto Crash Statistics (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• What is Full Coverage? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)