1997 Dodge Grand Caravan Insurance Rates – 6 Tricks for Best Quotes

Want better auto insurance rates for your Dodge Grand Caravan? Expensive auto insurance can overdraw your savings and make it impossible to make ends meet.

Online insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with fancy advertisements and it can be hard to ignore the propoganda and find the best price available.

If you are paying for car insurance now, you will most likely be able to save some money using these tips. Finding the best rates is not that difficult. But car owners must understand the way insurance companies compete online because it can help you find the best coverage.

Car insurance quotes and discounts

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Certain credits will be shown at the time of purchase, but some must be inquired about before you get the savings.

• No Accidents – Insureds who avoid accidents and claims can earn big discounts in comparison with bad drivers.
• Discount for Home Ownership – Being a homeowner can get you a discount since home ownership is proof of financial responsibility.
• 55 and Retired – Mature drivers may qualify for lower premium rates on Grand Caravan insurance.
• Discounts for Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Grand Caravan insurance depending on your company.
• First Accident Forgiveness – but a few companies such as Allstate, State Farm and Geico will let one accident slide before raising your premiums if you have no claims for a specific time period.
• Paper-free Discount – A few companies provide a small discount for buying your policy online.

As a footnote on discounts, some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you can get free auto insurance, you aren’t that lucky. Any qualifying discounts should help reduce the cost of your policy.

Large car insurance companies and a partial list of their discounts can be found below.

• State Farm has savings for passive restraint, Steer Clear safe driver discount, driver’s education, defensive driving training, safe vehicle, and good driver.
• American Family has discounts for TimeAway discount, multi-vehicle, Steer into Savings, mySafetyValet, and good student.
• AAA offers discounts for multi-car, good driver, education and occupation, pay-in-full, AAA membership discount, and anti-theft.
• Geico includes discounts for anti-lock brakes, federal employee, air bags, five-year accident-free, driver training, and anti-theft.
• Mercury Insurance offers discounts including good driver, multi-policy, good student, type of vehicle, and anti-theft.
• Farmers Insurance discounts include business and professional, electronic funds transfer, multi-car, mature driver, switch companies, pay in full, and homeowner.
• Progressive may have discounts that include online signing, good student, multi-policy, homeowner, online quote discount, and continuous coverage.

Check with all companies you are considering the best way to save money. All car insurance discounts might not be available to policyholders in every state. If you would like to view car insurance companies who offer discounts, follow this link.

Situations that may require an agent’s advice

When choosing the best insurance coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine whether you would benefit from professional advice.

• Is my 1997 Dodge Grand Caravan covered for flood damage?
• How much liability do I need to cover my assets?
• Do I need added coverage for expensive stereo equipment?
• Are rock chip repairs covered?
• Is my state a no-fault state?
• Who is covered by my policy?
• Does my medical payments coverage pay my health insurance deductible?
• Do I need special endorsements for business use of my vehicle?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I getting all the discounts available?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance advertisements

Respected companies like Geico, State Farm and Progressive consistently run television and radio advertisements. They all seem to advertise claims that you’ll save big if you get a free car insurance quote and switch your policy. Is it even possible that every company can offer you a better deal? This is how they do it.

Many companies quote their cheapest rates for the type of driver that will not have excessive claims. An example of a profitable customer might be over the age of 40, has no tickets, and has excellent credit. Any customer that hits that “sweet spot” will get low premium rates and therefore will save when switching.

Drivers who don’t meet the “perfect” profile must pay higher prices which translates to the customer not purchasing. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save that kind of money. That is how companies can make the claims of big savings. This illustrates why it is so important to do a quote comparison often. It’s impossible to know which insurance companies will have the best premium rates at this point in time.

Auto insurance coverages

Having a good grasp of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average car insurance policy.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays for damage to your Grand Caravan resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills like dental work, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability

Liability coverage protects you from damage that occurs to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical expenses, medical services, legal defense fees and emergency aid. How much coverage you buy is up to you, but you should buy as much as you can afford.

Pennies from heaven

We just presented many ideas to shop for 1997 Dodge Grand Caravan insurance online. The key thing to remember is the more companies you get car insurance rates for, the better your comparison will be. Drivers may discover the lowest rates come from a small mutual company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

More affordable insurance is available online in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not have rates over the internet and many times these small, regional companies only sell coverage through independent agents.

To read more, link through to the articles below:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Older Driver Statistics (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• What if I Can’t Find Coverage? (Insurance Information Insitute)