How Much Does 2003 Dodge Grand Caravan Insurance Cost?

Are you sick and tired of sacrificing to keep your car insured? You have the same problem as many other drivers.

You have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, so many choices can make it hard to locate the cheapest rates.

Compare quotes for insurance coverage

Most of the larger companies like State Farm, Geico and Progressive provide coverage price quotes from their websites. Getting quotes is pretty easy as you simply type in into the form. Once you submit the form, their system will obtain your driving record and credit report and returns pricing information. Being able to quote online simplifies rate comparisons, but the time it takes to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to get the lowest possible prices on insurance coverage.

An easier way to compare rates uses one simple form that obtains quotes from multiple companies. It saves time, reduces the work, and makes online quotes much simpler. As soon as you send your information, it is quoted and you are able to buy any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and may result in a nice savings.

To quickly find out what other companies charge, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles as shown on your current policy. Doing this assures you will have a price comparison based on similar coverages.

Get cheaper rates by taking advantage of discounts

Insurance coverage is easily one of your largest bills, but there are discounts available that you may not know about. Most are applied at the time of purchase, but once in a while a discount must be specifically requested in order for you to get them.

• Safe Drivers – Drivers without accidents could pay up to 40% less for Grand Caravan insurance than their less cautious counterparts.
• Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for lower prices due to less chance of an accident.
• Switch and Save Discount – Some companies provide a discount for buying a policy early. This can save 10% or more.
• Discount for Home Ownership – Owning a house may trigger a policy discount on insurance coverage due to the fact that maintaining a home requires personal responsibility.
• Student in College – Kids who attend college more than 100 miles from home and do not have access to a covered vehicle could get you a discount.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Some of the larger companies that may have most of these discounts are:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

When comparing rates, check with every company what discounts are available to you. Some credits might not be offered on policies in your state.

How much insurance do I need?

When it comes to buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

• Do I get a pro-rated refund if I cancel my policy early?
• Can I get a multi-policy discount?
• Am I covered if my car is in a flood?
• Am I covered if I drive in a foreign country?
• Will filing a claim cost me more?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Why does it cost so much to insure a teen driver?

If you’re not sure about those questions then you might want to talk 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.

Coverage specifics

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – This coverage provides protection from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, emergency aid, structural damage, funeral expenses and medical expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as EMT expenses, dental work, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, rock chips in glass, hail damage, fire damage and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.