1991 Dodge Caravan Insurance Quotes

Trying to find the cheapest car insurance rates for your Dodge Caravan? Do you get exhausted from not being able to afford to pay high car insurance rates every month? Your situation is no different than most other vehicle owners.

Companies like GEICO and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Finding the best rates is easy if you know what you’re doing. Nevertheless, drivers must know the way insurance companies market insurance on the web and use this information to your advantage.

More discounts mean lower-cost premiums

Some insurers do not list every available discount very clearly, so the below list has some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Save with a New Car – Buying a new car instead of a used car is cheaper due to better safety requirements for new vehicles.
  • Student Discount for Driver Training – Have your child successfully complete driver’s ed class as it can save substantially.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
  • Online Discount – Many car insurance companies will give a small break simply for signing online.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the personal injury premium cost.

It’s important to note that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, that’s just not realistic.

A list of car insurance companies and a partial list of their discounts include:

  • GEICO offers discounts including daytime running lights, five-year accident-free, defensive driver, anti-lock brakes, and military active duty.
  • MetLife includes discounts for good driver, accident-free, claim-free, good student, and defensive driver.
  • State Farm may include discounts for multiple policy, passive restraint, multiple autos, Steer Clear safe driver discount, driver’s education, good student, and accident-free.
  • Progressive may offer discounts for multi-vehicle, homeowner, online quote discount, online signing, good student, continuous coverage, and multi-policy.
  • Mercury Insurance policyholders can earn discounts including multi-car, location of vehicle, good driver, multi-policy, good student, and age of vehicle.
  • 21st Century has savings for homeowners, 55 and older, good student, student driver, and driver training.
  • Allstate may have discounts that include new car, good student, multi-policy, senior citizen, premier discount, passive restraint, and defensive driver.

When quoting, ask every company which discounts they offer. A few discounts might not apply in your state.

It’s not one size fits all

When it comes to buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine if you might need professional guidance.

  • Am I covered if I wreck a rental car?
  • Which companies will insure high-risk drivers?
  • What is no-fault insurance?
  • Does my insurance cover a custom paint job?
  • Where can I get insurance after a DUI in my state?
  • Why do I only qualify for high-risk insurance?
  • What can I do if my company won’t pay a claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance myths debunked

Respected companies like State Farm and Allstate consistently run television and radio advertisements. They all make the point about savings just by switching your coverage to them. How does each company charge you a lower premium? This is the way they can do it.

Most companies require specific criteria for the type of driver that will generate a profit. One example of a profitable customer might be described as between the ages of 30 and 45, has a clear driving record, and drives a safe vehicle. Any customer that hits that “sweet spot” receives the best rates and will also save a lot if they switch.

Potential customers who don’t measure up to this ideal profile will get a higher premium which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save money. That’s the way companies can lure you into getting a quote. This really illustrates why drivers should compare quotes as often as possible. Because you cannot predict with any certainty which company will fit your personal profile best.

Specific coverage details

Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills like funeral costs, hospital visits, dental work, ambulance fees and prosthetic devices. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your Caravan caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, scraping a guard rail, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Auto liability

This coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability 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.

Do the work, save more money

When you buy car insurance online, you should never sacrifice coverage to reduce premiums. In many cases, someone dropped liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best cost while not skimping on critical coverages.

We just presented a lot of techniques to compare 1991 Dodge Caravan insurance prices online. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your rates. Consumers could even find that the lowest priced insurance coverage comes from some of the smallest insurance companies. They can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

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