1996 Dodge Grand Caravan Insurance Quotes – 8 Ways to Save

No one in their right mind is fond of buying insurance, especially when they are aware that they could get a better deal.

Multiple car insurance companies compete for your insurance dollar, so it can be very hard to choose a provider and get the definite lowest cost out there.

You should take the time to get comparison quotes occasionally because insurance prices change frequently. Just because you had the lowest rate for Grand Caravan coverage at your last renewal the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance because you’re about to learn the things you must know in order to find better rates and still maintain coverage.

How much does auto insurance cost?

When looking for low cost insurance quotes, there are a couple ways to compare rate quotes from auto insurance companies in your area. The quickest method to do a complete rate comparison consists of shopping online. It’s really quite simple and can be done in a couple minutes as outlined below.

1. Experts agree that the best way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for repetitive form submissions to each individual auto insurance company. A single form gets you coverage quotes instantly.
2. A more difficult way to analyze rates consists of visiting each company’s website to complete their respective quote request forms. For instance, we’ll pretend you are doing a rate comparison from Nationwide, Farmers and State Farm. You would need to spend time going to each site individually and enter your policy data, which can get old fast.

   To view a list of companies in your area, click here.

3. Even if you have time, the least recommended way to comparison shop is physically going to and from local insurance agencies. The internet eliminates this option unless you prefer the professional assistance of an agent trained in personal lines coverage. You can, however, compare the best prices online but buy the policy through an agent.

Whichever way you use, try to use apples-to-apples coverage limits and deductibles for each price quote. If each company quotes higher or lower deductibles you will not be able to determine which rate is truly the best. Slightly different insurance coverages may result in a large different in cost. And when comparison shopping, more quotes increases your odds of finding a lower rate.

Save 15 percent in 15 minutes? Is it for real?

Allstate, Geico and Progressive continually stream television and radio advertisements. All the ads say the same thing about saving some big amount if you just switch to them. It sounds good, but how can they all give you a better price? This is how they do it.

Insurance companies have underwriting criteria for the type of customer that will be a good risk. One example of a desirable risk should be married and over the age of 30, insures multiple vehicles, and does not commute to work. A customer getting a price quote that fits those parameters will qualify for the lowest prices and therefore will pay quite a bit less when switching companies.

Potential insureds who cannot meet those standards may receive higher premium rates which results in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save that much when switching. That’s why companies can lure you into getting a quote. This emphasizes why you really should get a wide range of price quotes. It’s just not possible to know which insurance companies will give you the biggest savings.

Cut your insurance coverage rates with these eight discounts

Some insurers don’t always publicize all available discounts very well, so here is a list both well-publicized in addition to some of the lesser obvious ways to save on insurance coverage.

• One Accident Forgiven – Not necessarily a discount, but some insurance companies will let one accident slide without the usual rate increase if your claims history is clear prior to being involved in the accident.
• Service Members Pay Less – Being deployed with a military unit could mean lower rates.
• Onboard Data Collection – Policyholders that allow their insurance company to study when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
• Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with one company may reduce the rate for each vehicle.
• No Accidents – Insureds who avoid accidents and claims can earn big discounts as compared to frequent claim filers.
• E-sign – A few larger online companies give back up to $50 get insurance over the internet.
• Multiple Policy Discount – If you can combine your auto and home policy and place coverage with the same company they may give you a discount of approximately 10% to 15%.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.

A little disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. But any discount will lower the amount you pay for coverage.

Car insurance companies that may have these discounts are:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Before buying, ask each insurance company to give you their best rates. Discounts might not be available to policyholders in your area. If you would like to choose from a list of providers with significant discounts, click here.

You are unique and your auto insurance should be too

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help highlight if your situation could use an agent’s help.

• Am I covered if I wreck a rental car?
• What if I owe more than I can insure my car for?
• What are the best liability limits?
• Do I need PIP (personal injury protection) coverage in my state?
• Is business property covered if stolen from my car?
• Do I have coverage when making deliveries for my home business?
• Does my policy pay for OEM or aftermarket parts?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered when driving someone else’s vehicle?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for liability – This will cover damage or injury you incur to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as loss of income, attorney fees, medical expenses, court costs and emergency aid. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from getting keyed, vandalism, hail damage and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays for damage to your Grand Caravan from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like chiropractic care, doctor visits, nursing services and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Quote often and quote early

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. Too many times, an insured cut liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

We covered some good ideas how you can lower your 1996 Dodge Grand Caravan insurance premium rates. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even find the best premium rates are with a small mutual company. They can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Cost effective 1996 Dodge Grand Caravan insurance can be sourced both online as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and many times these regional carriers prefer to sell through local independent agents.

Additional detailed information is located in the articles below:

• Help Your Teen Be a Better Driver (State Farm)
• Alcohol Impaired Driving FAQ (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)