Cheap 1994 Dodge Grand Caravan Insurance Rates

Trying to find cheaper car insurance rates for your Dodge Grand Caravan? Nobody fancies paying their premiums for car insurance, in particular when they are paying too much.

Since vehicle owners have many online and local companies to choose from, it can be hard to pick the lowest price company.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you will most likely be able to save some money using these methods. But drivers need to learn the way insurance companies sell insurance online and apply this information to your search.

Compare free insurance coverage quotes

There are a lot of ways you can shop for insurance coverage but one way is more efficient than others. You can spend your afternoon talking to local insurance agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Most car insurance companies enroll in a system that enables customers to enter their coverage request one time, and each company returns a competitive quote. This prevents consumers from doing quotation requests to each individual insurance coverage company. To compare rates using this form now click here to open in new window.

The one disadvantage to using this type of form is that you can’t choose the providers you want pricing from. So if you prefer to pick specific providers to compare prices, we have assembled a list of insurance coverage companies in your area. Click to view list.

How you compare quotes is your choice, just make darn sure you compare exactly the same quote data for each comparison quote. If you have different values for each quote it will be very difficult to determine which company has the best rates. Quoting even small variations in limits could throw off the whole comparison. Keep in mind that comparing more quotes increases the change that you will find a better price. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare quotes from them as well.

Car insurance policy discounts you can’t miss

Not too many consumers would say car insurance is affordable, but companies offer discounts that you may not even know about. Many of these discounts will be applied automatically when you get a quote, but less common discounts must be specially asked for before you will receive the discount.

• Military Discounts – Having a family member in the military may qualify for rate reductions.
• Driver Education Discount – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
• Defensive Driver Discounts – Completing a course in defensive driver could save 5% or more depending on where you live.
• Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and will save you 10% or more.
• Responsible Driver Discount – Accident-free drivers could pay up to 40% less for Grand Caravan insurance than drivers with accidents.
• Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
• Early Switch Discount – A few car insurance companies give discounts for switching to them early. This discount can save up to 10%.

Please keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

Larger car insurance companies and their possible discounts are included below.

• State Farm includes discounts for Steer Clear safe driver discount, safe vehicle, passive restraint, multiple policy, driver’s education, and good driver.
• Geico may offer discounts for driver training, emergency military deployment, anti-lock brakes, military active duty, seat belt use, good student, and air bags.
• Allstate may include discounts for auto/life discount, anti-theft, new car, resident student, safe driver, farm vehicle, and EZ pay plan discount.
• SAFECO discounts include accident prevention training, safe driver, bundle discounts, anti-lock brakes, homeowner, teen safety rewards, and teen safe driver.
• Farm Bureau offers premium reductions for youthful driver, good student, multi-policy, 55 and retired, and renewal discount.
• Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, online quote discount, multi-policy, and good student.
• AAA may have discounts that include pay-in-full, good student, education and occupation, multi-policy, good driver, anti-theft, and AAA membership discount.

Before you buy a policy, ask each company how many discounts you can get. All car insurance discounts might not be available to policyholders in every state.

Insurance agents can help

When buying coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help highlight whether your personal situation may require specific advice.

• Is my 1994 Dodge Grand Caravan covered for flood damage?
• Is rental equipment covered for theft or damage?
• Can my teen drive my company car?
• Can I drive in Mexico and have coverage?
• Is extra glass coverage worth it?
• Why am I required to buy high-risk coverage?
• Why am I required to get a high-risk car insurance policy?
• Is my camper covered by my car insurance policy?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance policy coverages for a Dodge Grand Caravan

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by car insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for nursing services, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

This coverage covers damage to your Grand Caravan caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, crashing into a building, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of 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 values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.