1998 Dodge Grand Caravan Insurance Rates – 5 Tricks for Cheaper Quotes

Trying to come up with a payment for overpriced car insurance can dwindle your personal savings and possibly require you to analyze your spending habits. Performing a price comparison is an excellent way to ensure you are getting the best deal.

Big companies like State Farm, Progressive and Geico all claim big savings, bombarding you with ads and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You need to get comparison quotes as often as possible because prices are adjusted regularly by insurance companies. Just because you had the best quotes on Grand Caravan coverage two years ago a different company probably has better rates today. Block out anything you think you know about car insurance because we’re going to demonstrate the fastest way to reduce your cost while improving coverage.

How to lower your insurance coverage cost

Cutting your insurance coverage rates is pretty simple and can save money. Drivers just need to invest a little time comparing free car insurance quotes from some recommended companies. It is quite easy and can be accomplished in a couple of different ways.

1. The simplest way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This quick form prevents you from having to do separate forms for each company you want a rate for. Completing one form gets coverage cost estimates from many national carriers.
2. A slightly less efficient method to find lower rates requires you to visit the website of each company and fill out their own quote form. For sake of this example, we’ll assume you need rates from USAA, Geico and Progressive. In order to get each rate, you would have to go to every website and punch in your information repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever way you use, be sure you’re using the exact same deductibles and coverage limits for each quote you get. If the quotes have different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate.

Well known brands might not be cheapest

Drivers constantly see and hear ads for cheaper auto insurance by Allstate, Geico and Progressive. All the ads make the point that drivers will save a bundle if you switch your coverage.

But how can every company make almost identical claims? Here is the trick they use.

Auto insurance companies have strict underwriting profiles for the type of driver that will be a good risk. For example, a profitable customer may need to be a mature driver, has a clear driving record, and drives a lower-performance vehicle. Any new insured who fits that profile will get low car insurance rates and most likely will save money with a new company.

People who don’t qualify for these criteria must pay higher premiums which usually ends up with business not being written. The ad wording is “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can make the claims of big savings.

This illustrates why drivers should compare price quotes frequently. You cannot predict the company that will have the best rates for your profile.

Cheap insurance coverage rates with discounts

Car insurance is not cheap, but companies offer discounts that can dramatically reduce your bill. Most are applied when you complete an application, but some need to be specifically requested before being credited.

• Drive Less and Save – Low annual miles could qualify for better prices on cars that stay parked.
• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Grand Caravan coverage with some insurance coverage companies.
• Seat Belt Discounts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Telematics Data – Drivers that enable their company to monitor driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
• Savings for New Vehicles – Buying a new car instead of a used car can save you some money due to better safety requirements for newer models.

Remember that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, you’re out of luck.

Some of the larger companies that may offer most of these discounts include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Before you buy a policy, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not be available in your area. To choose insurance companies who offer online insurance coverage quotes, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

• Is upholstery damage covered by car insurance?
• Why am I required to buy high-risk coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have coverage if my license is suspended?
• Do I need medical payments coverage since I have good health insurance?
• Does my 1998 Dodge Grand Caravan need full coverage?
• Am I covered if I break a side mirror?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The highest amount a 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 it’s not worth carrying full coverage.

Liability car insurance

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as attorney fees, medical expenses and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills such as X-ray expenses, surgery, EMT expenses and doctor visits. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1998 Dodge Grand Caravan.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, driving through your garage door, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Find Good Coverage for Less

Cheaper 1998 Dodge Grand Caravan insurance can be found on the web in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis. Some companies may not provide the ability to get a quote online and these small insurance companies prefer to sell through independent agencies.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability coverage limits only to regret that they should have had better coverage. Your goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Additional information

• Prom Night Tips for Teen Drivers (State Farm)
• Who Has the Cheapest Madison Car Insurance Rates for a Dodge Grand Caravan? (MadisonInsure.com)
• Get the Right Protection (InsureUonline.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• State Car Insurance Guides (Geico)