Finding cheaper insurance on the web may be overwhelming for vehicle owners new to comparing rates and buying insurance over the internet. With so many insurers to choose from, how are vehicle owners expected to possibly compare each option to find the best price?
Some companies don’t necessarily list every policy discount in a way that’s easy to find, so we took the time to find both well-publicized in addition to some of the lesser obvious discounts that may be available. If you do not double check each discount possible, you are not getting the best rate possible.
As is typical with insurance, some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic.
A few companies that may have these benefits are:
Check with every insurance company which discounts you may be entitled to. Some discounts may not apply in your area. To choose insurers with the best car insurance discounts, click here.
When it comes to buying coverage, there isn’t really a best way to insure your cars. Each situation is unique.
Here are some questions about coverages that can aid in determining whether you could use an agent’s help.
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Liability car insurance
Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability insurance covers claims like pain and suffering, legal defense fees and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.
Collision protection
This coverage pays for damage to your Caravan from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like sustaining damage from a pot hole, rolling your car, scraping a guard rail, sideswiping another vehicle and colliding with a tree. 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 to bring the cost down.
UM/UIM Coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Caravan.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive or Other Than Collision
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like falling objects, damage from a tornado or hurricane and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical costs insurance
Med pay and PIP coverage kick in for short-term medical expenses like funeral costs, ambulance fees, hospital visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Throughout this article, we presented a lot of tips how to save on 1999 Dodge Caravan insurance. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding cheap auto insurance. Consumers may even find the lowest car insurance rates are with a smaller regional carrier.
There are still a few companies who may not have online price quotes and these regional carriers only sell through independent insurance agencies. The cheapest 1999 Dodge Caravan insurance is available on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from.
Insureds change insurance companies for any number of reasons including policy cancellation, poor customer service, an unsatisfactory settlement offer or even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is actually quite simple.
Additional insurance coverage information can be found at these links:
Sonja Tyler
Lifelong resident of Fairbanks, AK. Checked online prices for a 1999 Dodge Caravan. Ended up at about $100 savings annually. Went with GEICO. I get lower rates because of my clean driving record. It’s still not cheap enough. I don’t put full coverage on it.
Corliss Spencer
Mine is so expensive. Live in San Antonio, TX. Went online for free insurance quotes for a 1999 Dodge Caravan. Ended up at about $70 savings annually. Went with 21st Century. Left GMAC to switch.
Alia Melendez
Got pretty cheap 1999 Dodge Caravan insurance from Allstate in Providence, Rhode Island.
Lela Brooks
Will GEICO cancel me if I have an accident?
Ione Jenkins
I got quite a few price quotes for a 1999 Dodge Caravan in Colorado Springs, Colorado. Ended up at about $90 every six months with AIG Insurance. I get lower rates because of my clean driving record. It’s still not cheap enough.
Euna Woods
I’m in the west part of Tucson, AZ. Received rates from AIG Insurance, Nationwide, and a few others for my Caravan and I’m now saving $13 a month. Was with USAA. Thankfully I have a good driving record. Bought it from an online quote.
Bobbye Cline
Checking in from South Burlington, VT. Got car insurance quotes with Travelers, Amica, Hartford, and Nationwide for my 1999 Dodge Caravan and I think I cut my rates about $20 each month. Left Erie to switch. Got better coverage too.
Brittney Olson
Checking in from Fort Wayne, IN. I quoted with Amica, Farmers, and MetLife for my Caravan and saved just over $90 a year. Not sure about claim service.
Rigoberto Salazar
When do I drop full coverage?
Jonell Dixon
Hope my car insurance gets cheaper. Found cheapest coverage with American Family for my Dodge and am saving around $90 a year. Hardly afford to drive anymore. It’s only liability tho.
Adelaida Middleton
Does Nebraska have minimum liability laws?
Janeth Whitney
If you have a clean record and are close to Worcester, MA, check out 21st Century. They seem to be cheaper. Was with Erie. I have kids on my policy, too. Get lots of quotes to find the best rate. My Caravan doesn’t have full coverage.
Bradly Richmond
Live in the western part of Las Vegas, Nevada. I quoted with 21st Century, AIG Insurance, Farmers, and The General for my Dodge and I’m now saving $18 a month. Moved home policy as well.
Valrie Reynolds
Great info, thanks for posting. I’m just west of Fort Smith, Arkansas. I got free rates from Nationwide, Eastwood, State Farm, and AAA for my 1999 Dodge Caravan and saved $95 a year. Got better coverage too. Not sure if rates are cheaper online or through an agent. Book value doesn’t justify full coverage anymore.
Lorette Love
Lots of useful info here. I live in Madison, Wisconsin. Don’t remember every company but I ended up saving about $30 each month. Insured with AAA before. I recommend comparing lots of rates.
Imogene Baxter
Cheap is not always the best policy. I live on the east side of Allentown, PA. Received prices from Progressive, AIG Insurance, and some I forget for my 1999 Dodge Caravan and saved just over $70 a year. Was with Auto-Owners. Did it all online. I don’t put full coverage on it.
Jesus Johns
I’ve had 21st Century for years. I’m in Cranston, Rhode Island.