View 1995 Dodge Grand Caravan Insurance Quotes

Looking for lower insurance coverage rates for your Dodge Grand Caravan? Do you think you bought high-priced insurance coverage? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Companies like Geico, Progressive and Allstate continually hit you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s smart to do price comparisons periodically since prices are variable and change quite frequently. Even if you got the lowest rates for Grand Caravan coverage at your last renewal you can probably find a better premium rate now. You can find a lot of information about insurance coverage online but in a few minutes you can learn some excellent ideas to stop overpaying for insurance.

Buy insurance online

When shopping for cheaper car insurance quotes, there are a couple of ways to compare rate quotes from different insurance companies. The recommended way to find the cheapest 1995 Dodge Grand Caravan insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

1. If you don’t have a lot of time, the easiest way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate quote forms for every insurance company. One simple form will return quotes from multiple companies.
2. A more difficult way to shop for insurance online requires a trip to the website of each company and go through the quote process again. For sake of this example, we’ll assume you want rates from Geico, 21st Century and American Family. To get rate quotes you would need to take the time to go to each site and repeatedly type in your coverage information, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

3. The hardest way to compare price quotes is to drive around to all the different insurance agencies. The ability to buy insurance online makes this unnecessary unless your situation requires the peace of mind of a local agency. Although you can get the lowest quotes online and have a local agent actually service the policy.

It’s up to you which method you use, but make sure you use nearly identical coverages and limits with every price quote. If you have different data it’s impossible to determine the lowest rate for your Dodge Grand Caravan. Slightly different limits may cause a big price difference. And when comparison shopping, comparing more rates from different companies helps you find a lower rate. Some companies don’t provide online rate quotes, so it’s recommended that you also compare rates from them as well.

More affordable rates with discounts

Some insurance providers don’t necessarily list all possible discounts in a way that’s easy to find, so we break down both the well known in addition to some of the lesser obvious credits available to you.

• Savings for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount since newer vehicles have better safety ratings.
• Good Student – Maintaining excellent grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Government Employee Discount – Employees or retirees of the government can save as much as 8% for Grand Caravan coverage depending on your company.
• Theft Deterent – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
• Military Rewards – Having an actively deployed family member could mean lower premium rates.

We need to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.

A list of companies and some of the premium reductions they offer can be read below.

• American Family may have discounts that include TimeAway discount, multi-vehicle, good student, bundled insurance, early bird, and air bags.
• Farm Bureau may include discounts for good student, multi-policy, driver training, 55 and retired, multi-vehicle, and renewal discount.
• State Farm policyholders can earn discounts including Steer Clear safe driver discount, safe vehicle, good driver, driver’s education, accident-free, and passive restraint.
• Travelers has savings for driver training, save driver, home ownership, student away at school, multi-car, and early quote.
• The Hartford has discounts for air bag, vehicle fuel type, bundle, good student, driver training, defensive driver, and anti-theft.
• Geico offers discounts including federal employee, five-year accident-free, air bags, anti-lock brakes, driver training, military active duty, and membership and employees.
• Progressive offers discounts for continuous coverage, good student, online signing, homeowner, multi-vehicle, online quote discount, and multi-policy.

Check with each company or agent to give you their best rates. Some of the discounts discussed earlier may not be available in your state. If you would like to see a list of providers who offer car insurance discounts, click this link.

What is the best insurance coverage?

When it comes to buying adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• What is the ISO rating for a 1995 Dodge Grand Caravan?
• Should I sign the liability waiver when renting a car?
• Should I waive the damage coverage when renting a car?
• Is a fancy paint job covered?
• Is extra glass coverage worth it?
• Do all my vehicles need collision coverage?
• Does my policy cover my teen driver if they drive my company car?
• Why am I required to get a high-risk car insurance policy?
• Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but you know they apply to you, 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 insurance companies in your area.

Car insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on the average car insurance policy.

Collision coverages – This covers damage to your Grand Caravan caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle, rolling your car, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as funeral costs, dental work, doctor visits, surgery and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance – This coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, loss of income, structural damage and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, damage from flooding, hitting a bird and hail damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More quotes. Lower rates.

You just learned many ways to save on 1995 Dodge Grand Caravan insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheaper car insurance. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. Regional companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate and Progressive.

Lower-priced 1995 Dodge Grand Caravan insurance can be bought from both online companies as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies don’t offer rate quotes online and most of the time these smaller companies work with independent agents.

More tips and info about auto insurance can be read at these sites:

• Child Safety FAQ (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Safety Belts FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)