View 2001 Dodge Caravan Insurance Quotes

Tired of scraping nickels together to pay your insurance bill each month? You are no different than many other drivers. Due to the abundance of choices, it can be challenging to pick the most affordable insurance provider.

Don’t overlook these auto insurance discounts

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts that you may not know about. Some discounts will apply when you purchase, but a few need to be specifically requested before you will receive the discount.

• Discount for Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 25 to 30%.
• Military Rewards – Having a family member in the military may lower your rates slightly.
• Early Signing – Some auto insurance companies reward drivers for switching companies prior to your current policy expiring. Ten percent is about the average savings.
• Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save up to 15% off the personal injury premium cost.
• Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance coverage for Caravan coverage with certain companies.
• Discount for Good Grades – Being a good student may save as much as 25% on a insurance coverage quote. The discount lasts well after school through age 25.
• No Charge for an Accident – This one isn’t a discount, but some companies like Liberty Mutual and Geico allow you one accident without getting socked with a rate hike if you have no claims for a specific time period.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.

Discounts save money, but please remember that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, that’s just not realistic.

To view auto insurance companies that offer discounts, click this link.

When to get professional advice

When buying adequate coverage, there isn’t really a perfect coverage plan. Every situation is different so this has to be addressed. For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.

• Am I better off with higher deductibles on my 2001 Dodge Caravan?
• How much underlying liability do I need for an umbrella policy?
• When should I buy a commercial auto policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Which is better, split liability limits or combined limits?
• When would I need additional glass coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t escape the ads that claim the cheapest rates from the likes of Progressive, Allstate and Geico. They all seem to try to convey promises that you’ll save big if you change your coverage to them.

How does each company sell you cheaper insurance coverage? It’s all in how they say it.

All the different companies quote their cheapest rates for the type of driver that will most likely be profitable. For instance, a profitable insured may need to be between the ages of 30 and 50, owns their home, and drives a vehicle with a low ISO rating. Any person that hits that “sweet spot” will get low prices and will most likely save if they switch.

Consumers who do not fit those standards will have to pay a higher premium which leads to the customer buying from someone else. The ads say “customers who switch” not “everyone who quotes” save that kind of money. That is how companies can make those claims.

Because of the profiling, you really should compare as many free insurance coverage quotes as you can. It’s impossible to know which company will have better rates than you’re paying now.

Car insurance coverage options for a Dodge Caravan

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Caravan.

Since a lot of drivers carry very low liability coverage limits, 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 similar to your liability insurance amounts.

Auto collision coverage

This covers damage to your Caravan resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for liability

This coverage can cover damage that occurs to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for rehabilitation expenses, X-ray expenses, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers claims like falling objects, a broken windshield and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t break the bank

You just learned a lot of tips how to lower your 2001 Dodge Caravan insurance premium rates. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheaper insurance coverage. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies can often provide lower prices in certain areas compared to the large companies like Progressive and Geico.

Affordable 2001 Dodge Caravan insurance is definitely available both online in addition to many insurance agents, and you should compare rates from both to get a complete price analysis. Some car insurance companies may not provide the ability to get a quote online and these regional carriers provide coverage only through independent agents.

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