Compare 2000 Dodge Caravan Insurance Rates

Trying to find cheaper car insurance rates for your Dodge Caravan? There isn’t a single person who looks forward to paying for car insurance, especially when they know they are paying too much.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate possible.

You should make it a habit to get comparison quotes at least once a year because prices are constantly changing. If you had the best quotes on Caravan coverage two years ago you may be paying too much now. There are a lot of ways to save on car insurance online, but in just a couple of minutes you can learn some excellent ideas to save money.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Choosing the best insurance company for you is not rocket science. Nevertheless, vehicle owners do need to learn how big insurance companies determine prices and take advantage of how the system works.

How your Caravan insurance premiums are determined

Part of the auto insurance buying process is learning the factors that help determine your premiums. If you have some idea of what determines base rates, this helps enable you to make changes that can help you get lower premium levels.

The following are some of the major factors that factor into your rate level.

• High credit scores save money – Having a good credit rating can be an important factor in calculating your auto insurance rates. People that have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit. Therefore, if your credit is not that good, you could pay less to insure your 2000 Dodge Caravan if you clean up your credit.
• Is car insurance cheaper for males or females? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better drivers. Males and females are in accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Young males cause the most accidents and therefore have the most expensive auto insurance rates.
• Keep the miles off and save – Driving a lot of miles in a year’s time the more it will cost to insure it. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars that sit idle most of the time can be on a lower rate level than vehicles that are driven to work every day. An improperly rated Caravan is throwing money out the window. Make sure your auto insurance policy correctly shows annual mileage, because it can save money.
• Where you call home – Choosing to live in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. Less people living in that area corresponds to lower accident rates in addition to lower liability claims Urban drivers regularly have more aggressive driving styles and more time behind the wheel. More time behind the wheel means a statistically higher chance of an accident.
• Higher auto insurance rates for specific jobs – Did you know your career choice can influence rates? Occupations like fire fightersair traffic controllers and miners have higher premium rates attributed to intense work situations and lots of time spent at work. Conversely, occupations such as professors, historians and performers have the lowest average rates on Caravan coverage.
• Premiums are lower the older you get – Youthful drivers have been known to be easily distracted in a vehicle so they pay higher auto insurance rates. More mature drivers are viewed as being more responsible, file fewer claims , and are generally more financially stable.
• Save by staying claim free – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Car insurance companies provide lower rates to insureds that do not abuse their auto insurance. Insurance coverage is intended for the large, substantial claims.
• Save money with GPS tracking and theft deterrents – Selecting a car model with advanced anti-theft systems can earn a premium discount. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.

How to compare free auto insurance quotes

There are several ways to compare auto insurance quotes, and some are easier and takes less work. You could waste a few hours talking about coverages with agents in your area, or you could use the web to get rate comparisons in just a few minutes.

Most of the larger companies participate in an industry program that enables customers to send in one quote, and each participating company provides a quote determined by their information. This system prevents you from having to do quote forms to each individual auto insurance company.

To use this form to compare rates click here to open in new window.

The one disadvantage to doing it this way is you can’t choose which providers to get pricing from. So if you want to select specific providers to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just be sure to compare the same coverages and limits on every quote. If the quotes have different liability limits it will be very difficult to determine the lowest rate for your Dodge Caravan. Quoting even small variations in coverages could throw off the whole comparison. And when quoting auto insurance, remember that comparing more company’s prices increases your odds of finding the best price.

Find hidden discounts on insurance coverage

Some insurance providers don’t always advertise all their discounts very clearly, so we break down a few of the more well known and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you are not receiving all the discounts available, you’re paying more than you need to.

• Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less on Caravan coverage than drivers with accidents.
• Professional Organizations – Joining a qualifying organization could qualify you for a break on your bill.
• Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
• E-sign Discounts
• Policy Bundle Discount – If you can combine your home and auto policy and insure them with the same company you may earn up to 20% off your total premium.

Consumers should know that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A partial list of companies who might offer most of these discounts possibly include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

Double check with every prospective company which discounts you qualify for. Depending on the company, some discounts may not be offered in your area.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions could help you determine if your insurance needs will benefit from professional help.

• Is my 2000 Dodge Caravan covered for smoke damage?
• Is my trailer covered?
• How high should my medical payments coverage be?
• Am I covered if I hit a deer?
• When should I buy a commercial auto policy?
• Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2000 Dodge Caravan.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for ambulance fees, hospital visits, pain medications, prosthetic devices and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, hitting a deer and vandalism. The highest amount you’ll receive from a claim 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.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, crashing into a building, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability auto insurance

This will cover damages or injuries you inflict on other people or property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like structural damage, emergency aid, bail bonds, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Summing up your auto insurance search

We just presented quite a bit of information on how to reduce 2000 Dodge Caravan insurance car insurance rates online. The most important thing to understand is the more you quote auto insurance, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from an unexpected company. Smaller companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive and Geico.

Lower-priced 2000 Dodge Caravan insurance can be bought on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies may not offer price quotes online and usually these regional insurance providers sell through independent agents.

For more information, link through to the articles below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Neck Injury FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Comprehensive Coverage (Liberty Mutual)