View 1993 Dodge Caravan Insurance Quotes

Want lower car insurance rates for your Dodge Caravan? If you’re looking for lower-cost insurance online, are you intimidated by the crazy number of car insurance companies? Lot’s of other drivers are too. There are so many choices that it is a lot of work to find better prices.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Pricing more affordable auto insurance is quite easy. But drivers do need to understand how the larger insurance companies price insurance differently and apply this information to your search.

Cheap car insurance

Comparing car insurance rates is a ton of work if you don’t understand the most efficient way to do it. You could waste time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to maximize your effort.

Many companies take part in a program that allows shoppers to submit their information once, and at least one company then gives them pricing determined by their information. This system prevents you from having to do quote requests for every car insurance company.

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The one downside to getting quotes like this is that you can’t choose which providers to get pricing from. If you would rather choose specific insurance companies to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

Compare rates however you want, just make sure you compare identical information with each company. If each company quotes different data it’s not possible to get a fair rate comparison. Having just a slight variation in coverage limits can make a big difference in price. And when comparison shopping, comparing more quotes helps locate the best offered rates. Not every company allows you to get online quotes, so it’s necessary to compare rates from those companies as well.

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You may qualify for discounts

Insurance is easily one of your largest bills, but you might be missing out on some discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but some must be specially asked for in order for you to get them.

• Auto/Home Discount – If you can bundle your home and auto insurance with one company you could earn a discount of up to 20% off your total premium.
• Discount for New Cars – Insuring a vehicle that is new can cost up to 25% less because new model year vehicles are generally safer.
• College Student – Youth drivers who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
• Home Ownership Discount – Just being a homeowner can earn you a little savings because owning a home requires a higher level of personal finance.
• Club Memberships – Affiliation with certain professional organizations may earn a discount on your bill.
• Safety Course Discount – Participating in a class that teaches defensive driving techniques could earn you a small percentage discount and easily pay for the cost of the class.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts could see savings of 20% or more.
• 55 and Retired – Seniors may qualify for a discount up to 10% for Caravan insurance.
• Lower Rates for Military – Being deployed with a military unit could be rewarded with lower prices.

It’s important to understand that most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.

The best insurance companies and a selection of discounts are shown below.

• Farmers Insurance may include discounts for homeowner, distant student, multi-car, pay in full, teen driver, and bundle discounts.
• State Farm may have discounts that include student away at school, multiple policy, Drive Safe & Save, multiple autos, accident-free, driver’s education, and passive restraint.
• Liberty Mutual may offer discounts for safety features, hybrid vehicle, new move discount, preferred payment discount, new graduate, and newly retired.
• MetLife has savings for accident-free, defensive driver, good driver, claim-free, and good student.
• Progressive includes discounts for multi-policy, online quote discount, online signing, good student, homeowner, and multi-vehicle.

If you need affordable insurance quotes, ask every company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policies in your state.

There’s no such thing as the perfect insurance policy

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

• Am I covered when driving someone else’s vehicle?
• Do I have coverage for damage caused while driving under the influence?
• Do I need replacement cost coverage?
• How much liability do I need to cover my assets?
• What companies insure drivers after a DUI or DWI?
• Are all vehicle passengers covered by medical payments coverage?
• Am I covered if I wreck a rental car?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Educate yourself about car insurance coverages

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, a tree branch falling on your vehicle, fire damage and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, structural damage, bail bonds and legal defense fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses for things like chiropractic care, rehabilitation expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

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