1993 Dodge Grand Caravan Insurance Quotes – 10 Tips for Best Rates

Did you come to the realization that you have an overpriced car insurance policy? Believe me, there are lots of people in the same boat. Companies like State Farm, Allstate, Geico and Progressive promote their brand names with fancy advertisements and it is challenging if not impossible to see through the deception and find the best price available.

It’s important to check car insurance prices before your next renewal since insurance prices go up and down regularly. Just because you found the lowest quotes on Grand Caravan coverage on your last policy you can probably find a better rate now. Ignore everything you know about car insurance because it’s time to teach you the fastest and easiest way to reduce your cost while increasing coverage.

If you have a current auto insurance policy or need new coverage, you can learn to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to know how to shop online.

How to compare insurance quotes

Finding low cost 1993 Dodge Grand Caravan insurance prices is actually quite simple. Drivers just need to spend a few minutes to get quotes from different insurance companies. This can be accomplished by following the guidelines below.

• The best way to get quotes is to use a rate comparison form click to view form in new window. This style of form prevents you from having to do separate forms for every prospective company. In just a few minutes this one form gets you price quotes instantly.
• A different way to get comparison quotes consists of visiting the website of each company to request a price quote. For sake of this example, we’ll pretend you want to see prices from Allstate, Farmers and GMAC. You would be required to take the time to go to each site to enter the same coverage data repeatedly, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.
• The final way to find cheaper rates is physically going to and from local insurance agencies. The internet reduces the need to sit down with an agent unless you require the trained guidance that only an agent can give. It is possible to find lower rates online but still have the advice of a local agent.

Whichever way you use, compare the exact same coverage limits for each quote you get. If your comparisons have different liability limits you will not be able to determine the lowest rate for your Dodge Grand Caravan.

What is the best auto insurance coverage?

When it comes to choosing coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out whether or not you will benefit from professional help.

• Is business property covered if stolen from my car?
• What is medical payments coverage?
• Am I covered if I wreck a rental car?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered when driving in Canada or Mexico?
• Is extra glass coverage worth it?
• Is my Dodge Grand Caravan covered if I use it for business?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Understanding the coverages of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, funeral expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1993 Dodge Grand Caravan.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses such as dental work, X-ray expenses, EMT expenses, doctor visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, hitting a deer and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.