Save on 2016 Dodge Grand Caravan Insurance Rates

Perplexed by the dozens of auto insurance choices available to you? Lot’s of other drivers are too. There are such a vast assortment of choices available that it can quickly become a lot of work to find lower prices.

It’s smart to check auto insurance prices at least once a year because auto insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest rate on Grand Caravan insurance six months ago there is a good chance you can find better prices now. There are lots of tips to save on auto insurance on the web, but in just a couple of minutes you can learn the easiest ways to lower your auto insurance premiums.

You may qualify for discounts

Companies that sell car insurance don’t always publicize every available discount very well, so here is a list a few of the more well known and also the lesser-known credits that you can use to lower your rates.

• Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
• Multiple Policy Discount – If you can bundle your auto and homeowners insurance with one company they may give you a discount of as much as 10 to 15 percent.
• Military Discounts – Having a family member in the military could trigger a small discount.
• Good Driver Discounts – Safe drivers may save up to 50% more on Grand Caravan insurance than less cautious drivers.
• Driving Data Discount – Drivers who agree to allow driving data collection to track their driving habits by using a telematic data system such as Progressive’s Snapshot could save a few bucks if they have good driving habits.
• Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small decrease in premiums on Grand Caravan insurance.
• Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase life insurance from them.

A quick disclaimer, most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like all those discounts means the company will pay you, you’re out of luck.

Some of the larger companies who might offer some of the above discounts are:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

When quoting, ask all the companies which credits you are entitled to. Some discounts might not be offered in your area. To locate insurers with the best insurance coverage discounts, click this link.

The quickest method to compare car insurance rates is to know the fact car insurance companies pay for the opportunity to compare their rates. To get started, all you need to do is spend a couple of minutes providing details such as if a SR-22 is required, how much school you completed, if it has an alarm system, and the make and model of your vehicles. That rating information is automatically sent to multiple companies and they return cost estimate immediately.

There’s no such thing as the perfect car insurance policy

When choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions might point out whether or not you may require specific advice.

• Is there coverage for injuries to my pets?
• What is an SR-22 filing?
• Do I have coverage for damage caused while driving under the influence?
• What is the minimum liability in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• Will I be non-renewed for getting a DUI or other conviction?
• Is motorclub coverage worth it?
• Does coverage extend to Mexico or Canada?
• Is business property covered if stolen from my car?
• How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage specifics

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

This covers damage to your Grand Caravan resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like doctor visits, rehabilitation expenses, chiropractic care, hospital visits and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, theft and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like attorney fees, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Compare but don’t skimp

We’ve covered some good ideas how you can lower your 2016 Dodge Grand Caravan insurance prices. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from the least-expected company.

The cheapest 2016 Dodge Grand Caravan insurance is attainable on the web and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not have the ability to get quotes online and most of the time these smaller companies only sell coverage through local independent agents.

While you’re price shopping online, do not reduce coverage to reduce premium. Too many times, someone dropped collision coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy enough coverage at an affordable rate and still be able to protect your assets.

For more information, feel free to browse the following helpful articles:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)