Trying to find the cheapest insurance rates for your Dodge Grand Caravan? Do you get exhausted from sacrificing other expenses to pay insurance each month? Your situation is no different than millions of other consumers. Because there are so many different company options, it’s difficult to find the right insurance provider.
Locating cheaper coverage is not that difficult. If you have insurance now or are shopping for new coverage, you can learn to reduce the price you pay and still get good coverage. Vehicle owners just need to understand the most effective way to compare rates online.
Finding a lower price on 1992 Dodge Grand Caravan insurance is not rocket science. Drivers just need to invest a few minutes comparing rates provided by online insurance companies. Shoppers can get rates by using one of the methods below.
The first (and easiest) way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing multiple quote forms to each individual insurance coverage company. One form submission gets prices estimates instantly.
A different way to find better pricing requires you to visit the website of each company and complete a new quote form. For instance, let’s assume you need rates from Nationwide, Liberty Mutual and State Farm. In order to compare rates, you need to visit each site to enter your coverage information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.
Whichever way you choose to compare rates, make sure you compare the same information for every company. If your comparisons have unequal deductibles or liability limits then you won’t be able to find the best deal for your Dodge Grand Caravan.
Car insurance can cost a lot, but you might find some hidden discounts that can help lower your rates. Some discounts will apply when you quote, but less common discounts must be manually applied before you will receive the discount.
As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like you could get a free car insurance policy, nobody gets a free ride.
Auto insurance companies that have these benefits are:
When quoting, ask all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in your state. If you would like to view car insurance companies that can offer you the previously mentioned discounts, click here.
When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help highlight whether you could use an agent’s help.
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Having a good grasp of car insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Grand Caravan.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.
Collision coverage – Collision insurance pays for damage to your Grand Caravan caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as sideswiping another vehicle, backing into a parked car, rolling your car, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like pain medications, rehabilitation expenses, doctor visits, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability insurance covers claims like attorney fees, medical expenses, pain and suffering, emergency aid and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for things such as hitting a deer, hail damage and falling objects. 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.
Cheap 1992 Dodge Grand Caravan insurance is available online and from local agencies, so get free insurance quotes from both of them in order to have the best chance of saving money. Some companies do not provide the ability to get quotes online and many times these smaller companies only sell through independent insurance agencies.
In this article, we covered a lot of information how to save on 1992 Dodge Grand Caravan insurance. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding low cost insurance. You may even find the best premium rates are with a small mutual company. Some small companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm, Geico and Nationwide.
Rayford Garrison
I got quite a few price quotes for a 1992 Dodge Grand Caravan in Provo, UT. Ended up at roughly $100 every six months with AAA. Even increased my liability limits. Still almost need a second mortgage. I only have liability coverage on it.
Rosalyn Curtis
Live in the western part of Philadelphia, PA, and 21st Century rates were best. They have a lot of discounts available. I got a quote from their website. I don’t have comp or collision coverage.
Lorilee Coffey
I live in Davenport, Iowa. Received quotes from Allstate, American Family, Eastwood, and The General for my 1992 Dodge Grand Caravan and I’m now saving $19 a month.
Brant Hunter
IMHO Jersey City, NJ seems to have good rates from GEICO.
Elin Bradley
I’m looking for cheaper coverage. I live on the south side of San Antonio, TX. I quoted with Hanover, Auto-Owners, Nationwide, and a couple others for my Grand Caravan and saved just over $70 a year. Left Encompass to switch. I even had a DUI years ago. Did it all online.
Joni Thompson
Got a quote with Amica for my 1992 Dodge Grand Caravan and cut my rates about $60 a year. I increased coverages a little too. I quoted rates online then called them.
Alethea Osborne
From north side of Salem, Oregon, and Allstate rates were best. Left MetLife to switch. Good savings if you bundle. Did it all online. I don’t insure for physical damage though.
Wilfredo Newton
Any GEICO or Eastwood customers near Knoxville, Tennessee?
Casie Mathis
Not sure what I should be paying. From northwest of Honolulu, HI. Can’t remember who all I quoted but I ended up saving about $20 each month. I used their website to get prices.
Toby Holden
I found pretty cheap rate quotes for a 1992 Dodge Grand Caravan in Rapid City, SD. Ended up at roughly $120 every six months with AIG Insurance. I have a couple other vehicles on the policy. Just go online and compare their rates.
Anjelica Sargent
I’m just north of Greensboro, North Carolina. Quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my 1992 Dodge Grand Caravan and I think I cut my rates about $10 each month. Insured with Western Auto Insurance before. Ask about discounts. Anyone else drop full coverage?
Margarite Atkins
I got decent rates for a 1992 Dodge Grand Caravan in South Burlington, VT. Ended up at roughly $70 every six months with Auto-Owners. Wish I didn’t have to insure at all.
Phebe Knowles
Anyone buy from AIG Insurance? I’m in Provo, UT.
Ricki Miller
I’m from Boston, MA. Got quotes with Amica, Nationwide, and a few others for my Dodge and saved just over $90 a year. Was with Hartford. When should I drop full coverage?
Eugene Burke
I found pretty cheap rate quotes for a 1992 Dodge Grand Caravan in Grand Rapids, MI. Ended up at darn near $90 every six months with Amica. Switched homeowners coverage too.