Save on 2006 Dodge Grand Caravan Insurance Cost

Trying to find the cheapest insurance for a new or used Dodge Grand Caravan could be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to shop for auto insurance and you need to know the absolute fastest way to price shop coverage for a Dodge and locate the cheapest rates from both online companies and local agents.

Discounts to earn affordable car insurance rates

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so the below list has a few of the more well known and the more hidden credits available to you.

• Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the medical payments premium.
• Theft Deterent – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
• Federal Government Employee – Active or retired federal employment may reduce rates when you quote insurance on Grand Caravan coverage depending on your car insurance provider.
• Discount for Good Grades – Performing well in school may save you up to 25%. Most companies allow this discount up until you turn 25.

A quick disclaimer, most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

To see a list of companies who offer free car insurance quotes, follow this link.

Tailor your car insurance coverage to you

When choosing coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

• Can I get a multi-policy discount?
• Will I be non-renewed for getting a DUI or other conviction?
• What is roadside assistance coverage?
• How can I force my company to pay a claim?
• Which companies will insure high-risk drivers?
• Is a fancy paint job covered?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Big names are not always cheapest

Consumers can’t escape the ads for cheaper insurance coverage from companies such as Allstate, Geico and Progressive. They all convey the message that drivers will save a bundle after switching your insurance coverage policy to them.

How does every insurance coverage company charge you less for car insurance? It’s all in how they say it.

Many companies can use profiling for the type of driver they prefer to insure. One example of this type of driver may need to be over the age of 35, has a clean driving record, and has great credit. Any person that meets those criteria will qualify for the lowest rates and will probably save quite a bit of money when switching.

Potential insureds who do not meet those standards may receive a higher rate and this can result in the customer not buying. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save the amount stated. This is how insurance companies can confidently make the claims of big savings.

Because of this risk profiling, you really need to get as many free insurance quotes as possible. It’s just not possible to know the company that will have the best rates for your profile.

Specific coverage details

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Grand Caravan.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision – This coverage will pay to fix damage to your Grand Caravan from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, sideswiping another vehicle, rolling your car, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance – This coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, funeral expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, theft, damage from getting keyed and fire damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like X-ray expenses, nursing services, doctor visits and hospital visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

A tidy conclusion

When searching for affordable insurance quotes, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at the lowest possible cost.

Insureds change insurance companies for many reasons like questionable increases in premium, policy cancellation, unfair underwriting practices or denial of a claim. It doesn’t matter why you want to switch finding a new insurance company is pretty easy and you might even save some money in the process.

In this article, we covered quite a bit of information on how to get a better price on 2006 Dodge Grand Caravan insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best price on insurance is with an unexpected company.

Helpful articles

• Your Car has been Stolen: Now What? (Allstate)
• How Much is Corpus Christi Car Insurance for a Dodge Grand Caravan? (CorpusChristiCoverage.com)
• How Much are Auto Insurance Rates for a Dodge Grand Caravan in San Diego? (SanDiegoCoverage.com)
• How Much is Auto Insurance for a Dodge Grand Caravan in Colorado Springs? (CSInsure.com)
• Safety Features for Your New Car (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)