Cheaper 1999 Dodge Grand Caravan Car Insurance Cost

Expensive Dodge Grand Caravan insurance can overdraw your accounts and put the squeeze on your family’s finances.

Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate continually bombard you with TV and radio ads and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not that difficult. Nevertheless, vehicle owners need to have an understanding of how the larger insurance companies market on the web because it can help you find the best coverage.

Cheap insurance coverage rates with discounts

Insurance coverage is neither fun to buy or cheap, but you may find discounts to help offset the cost. Some trigger automatically at the time of quoting, but a few must be inquired about prior to getting the savings.

• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a insurance quote.
• No Claim Discounts – Drivers with accident-free driving histories pay much less in comparison with bad drivers.
• Safe Drivers – Drivers without accidents can save as much as half off their rates on Grand Caravan coverage than their less cautious counterparts.
• Discounts for Federal Employees – Employees or retirees of the government may qualify for a discount when you quote insurance on Grand Caravan coverage depending on your company.
• Life Insurance Discount – Not all companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of companies and a summarized list of policyholder discounts are outlined below.

• State Farm has discounts for accident-free, multiple autos, driver’s education, defensive driving training, good student, and good driver.
• Nationwide offers discounts including business or organization, easy pay, accident-free, defensive driving, and family plan.
• Geico offers discounts for five-year accident-free, federal employee, daytime running lights, military active duty, and defensive driver.
• AAA may offer discounts for multi-policy, good student, pay-in-full, AAA membership discount, and anti-theft.
• 21st Century may include discounts for anti-lock brakes, driver training, automatic seat belts, homeowners, good student, theft prevention, and early bird.
• The Hartford discounts include anti-theft, good student, bundle, defensive driver, and air bag.

Before purchasing a policy, check with each insurance company to apply every possible discount. A few discounts might not apply in your state.

How to lower your insurance prices

The best way to find cheaper insurance is to take a look at a few of the rating criteria that come into play when calculating your premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that will entitle you to lower rates. Lots of things are used when pricing auto insurance. Some are pretty understandable such as your driving record, but others are not as apparent such as whether you are married or your commute time.

• Your location is important – Having an address in a small town can save you money if you are looking for the lowest rates. Urban drivers have to deal with congested traffic and much longer commute distances. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates.
• You might pay more if you are single – Having a wife or husband helps lower the price when shopping for insurance. Marriage generally demonstrates drivers are more mature and responsible and it’s proven that married couples file fewer claims.
• Get a ticket, pay higher rates – Being a careful driver impacts your car insurance rates tremendously. Attentive drivers pay lower auto insurance prices compared to bad drivers. Just one driving citation may cause rates to rise by as much as thirty percent. People who have severe violations like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to drive a vehicle legally.
• Frequent claims will cost more – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies award most affordable rates to drivers that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of the large, substantial claims.
• Increase coverage deductibles and save – The deductibles define how much you are required to spend before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, hail damage, and damage from wind. The more damage repair cost the insured has to pay upfront, the better rate you will receive on Grand Caravan coverage.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

• Do I have coverage if my license is suspended?
• Do I need to file an SR-22 for a DUI in my state?
• Should I get collision insurance on every vehicle?
• Does my insurance cover a custom paint job?
• Do I have coverage when making deliveries for my home business?
• Am I better off with higher deductibles on my 1999 Dodge Grand Caravan?
• Am I covered if I wreck a rental car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Smaller companies may have the best rates

Respected companies like Geico, State Farm and Progressive seem to constantly run ads on TV and radio. They all seem to have a common claim about savings if you switch to them. How is it possible that every company can give you a lower rate? It’s all in the words they use.

Insurance providers provide the lowest rates for the type of insured that will generate a profit. One example of a profitable customer may be between the ages of 30 and 45, has a clean driving record, and chooses high deductibles. Anyone that matches those criteria will probably get cheap car insurance rates and will save some money.

Potential insureds who do not fit these criteria may be forced to pay higher rates which leads to the customer not purchasing. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” save money. That’s the way companies can truthfully lure you into getting a quote.

Because each company has a different risk profile, drivers should get insurance quotes as often as possible. It is just not possible to predict which company will give you lower premium rates than your current company.

Specific coverage details

Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average auto insurance policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like ambulance fees, rehabilitation expenses, surgery and hospital visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, hitting a bird, hitting a deer and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, medical expenses and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This covers damage to your Grand Caravan resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Feed the piggy bank

Cheap 1999 Dodge Grand Caravan insurance can be purchased both online and from local agencies, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through local independent agents.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and learned later that it was a big error on their part. Your goal should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

Much more information about insurance coverage is located at the links below

• Side Impact Crash Tests (iihs.org)
• Who Has the Cheapest Auto Insurance for a Dodge Grand Caravan in Oklahoma City? (AutoGuardOKC.com)
• How do I File a Claim? (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• How to Avoid Common Accidents (State Farm)