2001 Dodge Grand Caravan Insurance Quotes

Trying to find the cheapest auto insurance rates? Buyers have lots of choices when searching for low-cost Dodge Grand Caravan insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to find the lowest rates.

There is a better way to buy auto insurance so we’re going to tell you the best way to price shop coverage for your Dodge and locate the lowest price from local insurance agents and online providers.

It’s smart to check auto insurance prices at least once a year since prices are constantly changing. If you had the best rates on Grand Caravan insurance on your last policy you can probably find a better rate quote now. Forget all the misinformation about auto insurance because you’re about to learn the only way to find great coverage at a great price.

If you have a current insurance policy or need new coverage, you can use this information to reduce the price you pay while maintaining coverages. This article will let you in on how to get online quotes. Drivers only need an understanding of the most effective way to shop online.

Insurance quotes comparison

Getting a more affordable price on 2001 Dodge Grand Caravan insurance is pretty simple and can save money. All that’s required is to take the time to compare free insurance quotes from different insurance companies. Shoppers can get rates in a couple of different ways.

1. Hands down the most simple method to get quotes is an all-inclusive rate comparison click to view form in new window. This style of form eliminates the need for a different quote for every prospective company. Filling out one form gets rate comparisons from all major companies.It’s the quickest way to get rates.
2. A slightly less efficient method to analyze rates requires a trip to the website of each company and fill out their own quote form. For examples sake, let’s assume you want to compare Progressive, Allstate and American Family. To get each rate you have to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same quote information for each quote you get. If you enter different deductibles you will not be able to make an equal comparison.

Get affordable car insurance rates with discounts

Car insurance can cost a lot, but you might already qualify for some discounts that could drop your premiums quite a bit. A few discounts will be applied when you quote, but once in a while a discount must be asked for in order for you to get them.

• Driver Education Discount – Teen drivers should participate in a local driver’s education class in high school.
• Switch and Save Discount – Some car insurance companies provide a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
• Service Members Pay Less – Having a deployed family member may lower your rates slightly.
• Accident Free – Insureds who avoid accidents and claims pay less in comparison with frequent claim filers.
• Government Employee Discount – Employees or retirees of the government could cut as much as 10% off on Grand Caravan insurance depending on your car insurance provider.
• Homeowners Savings – Owning your own home or condo may earn you a small savings because owning a home demonstrates responsibility.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works.

If you would like to view providers that provide some of the discounts listed above, click here to view.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

• What discounts do I qualify for?
• What is medical payments coverage?
• Does my personal policy cover me when driving out-of-state?
• Does coverage extend to Mexico or Canada?
• How much underlying liability do I need for an umbrella policy?
• How do I buy GAP insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Components of your Dodge Grand Caravan insurance prices

Many factors are taken into consideration when you quote your car insurance policy. Some are pretty understandable like your driving record, although others are not quite as obvious like where you live and annual miles driven.Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs.

The following are some of the factors used by your company to calculate your rates.

• More traffic means higher claims – Living in areas with lower population has it’s advantages when shopping for auto insurance. City drivers regularly have congested traffic and a longer drive to work. Lower population means reduced accidents.
• Raising deductibles saves money – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some coverage claims are a broken side mirror, hitting a deer, and damage caused by flying debris. The deductibles define the amount you are willing to pay out-of-pocket if a covered claim is submitted. The more money you’re willing to pay, the lower your rates will be on Grand Caravan insurance.
• Do you really need the extra coverages? – There are a lot of extra bells and whistles that can waste your money if you aren’t careful. Insurance for rental car reimbursement, high-cost glass coverage, and extra life insurance coverage are probably not needed. They may seem like a good idea when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.
• Liability insurance claims can be big – The liability coverage on your policy is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• Do thieves like your car? – Choosing to buy a car that has an advanced theft prevention system can save you some money. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
• Cautious drivers have lower rates – Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Getting just one chargable violation could increase your next policy renewal to the point where it’s not affordable. Drivers who have received dangerous citations such as DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state in order to legally drive.
• Too many claims will drive prices up – Companies generally give lower rates to people who are claim-free. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended for major claims that would cause financial hardship.
• Are you male or female? – Statistics have proven that women are safer drivers than men. The data does not necessarily mean that males are worse at driving than females. Males and females tend to get into fender benders at a similar rate, but males have accidents that have higher claims. Not only are claims higher, but men receive more costly citations like DWI (DUI) or reckless driving.

Do you really save 40% when you switch?

Drivers constantly see and hear ads for cheaper insurance by Progressive, Geico, Allstate and State Farm. All the ads advertise the message that people will save if you change your policy.

That’s great but how can every company give you a lower rate?

Insurance companies provide the lowest rates for the type of driver that will most likely be profitable. An example of a profitable risk profile could possibly be between the ages of 30 and 50, has never had a policy lapse, and drives a safe vehicle. Any driver who fits those characteristics will probably get cheap rates and will save a lot of money.

Potential insureds who don’t qualify for those criteria will probably be forced to pay more expensive rates and business going elsewhere. The wording the ads use say “people that switch” but not “everyone who gets a quote” can save as much as they claim. This is how insurance companies can lure you into getting a quote.

This illustrates why you really should compare free insurance quotes often. It’s impossible to know with any certainty which company will have the best prices.

Auto insurance 101

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other people or property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as funeral expenses, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Collision insurance

Collision coverage will pay to fix damage to your Grand Caravan resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, hitting a mailbox, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses like doctor visits, dental work, prosthetic devices, pain medications and nursing services. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

A little work can save a LOT of money

There are still a few companies who do not offer online quoting and these small, regional companies only sell through independent insurance agents. Discount 2001 Dodge Grand Caravan insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money.

As you quote insurance, you should never buy poor coverage just to save money. There are too many instances where an insured dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Drivers who switch companies do it for any number of reasons including high prices, denial of a claim, being labeled a high risk driver and even delays in responding to claim requests. Regardless of your reason, switching companies is not as difficult as it may seem.

Additional learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Event Data Recorders FAQ (iihs.org)