Lower Your 1999 Dodge Caravan Insurance Rates

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?

Are you earning every discount?

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.

• Pay Upfront and Save – If you pay your bill all at once rather than paying in monthly installments you may reduce your total bill.
• Discounts for Cautious Drivers – Insureds without accidents could pay up to 40% less on Caravan insurance compared to rates paid by drivers with frequent claims.
• Club Memberships – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your next renewal.
• Driver Safety – Taking part in a safe driver course could save 5% or more if your company offers it.
• Student Discounts – Maintaining excellent grades may save as much as 25% on a auto insurance quote. This discount can apply up until you turn 25.
• Paperless Signup – Some insurance companies will give a small break for completing your application digitally online.
• Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
• Anti-lock Brake System – Cars and trucks with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
• Save over 55 – If you qualify as a senior citizen, you may be able to get reduced rates on Caravan insurance.

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:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

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 in doubt talk to an agent

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.

• Is a new car covered when I drive it off the dealer lot?
• Is my teenager covered with friends in the car?
• Which companies will insure high-risk drivers?
• Do I need medical payments coverage since I have good health insurance?
• Why do I need rental car insurance?
• How do I file an SR-22 for a DUI in my state?
• If my pet gets injured in an accident are they covered?
• Do I really need UM/UIM coverage?
• Are all vehicle passengers covered by medical payments coverage?
• Does my 1999 Dodge Caravan qualify for pleasure use?

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.

Auto insurance coverages

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

Shop around and save

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:

• Understanding your Policy (NAIC.org)
• Information for Teen Drivers (Geico)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)