Searching for cheaper insurance for a Dodge Caravan can normally be an all-consuming task, but you can follow our insurance coverage buying tips and make it easy. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the quickest way to quote coverages for your Dodge and get the lowest price.
It’s a good idea to compare prices yearly because insurance prices trend upward over time. Just because you found the lowest rates on Caravan insurance six months ago you can probably find a better rate quote now. Ignore everything you know about insurance coverage because you’re going to get a crash course in the best way to reduce your cost while increasing coverage.
Finding the best rates is not rocket science. If you have a policy now or need a new policy, you will benefit by learning to find the best rates while maintaining coverages. Drivers only need to know how to compare price quotes online.
Some insurance providers don’t list all disounts in a way that’s easy to find, so the list below contains some of the more common in addition to some of the lesser obvious credits that may apply to you.
Policy discounts save money, but most credits do not apply the the whole policy. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will bring down your auto insurance premiums.
A few of the larger companies and their offered discounts can be read below.
Before purchasing a policy, check with every prospective company how you can save money. Some discounts listed above may not be available in your area. To see companies that have a full spectrum of discounts, follow this link.
Reducing your 1995 Dodge Caravan insurance rates is actually easier than you may think. Just spend a few minutes on the computer comparing free auto insurance quotes provided by online insurance companies. Comparing prices online can be done in a couple of different ways.
The first (and easiest) way to get quotes would be an industry-wide quote request form (click to open form in new window). This quick form keeps you from doing repetitive form submissions for each company you want a rate for. One simple form gets insurance cost estimates from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
Another way to obtain and compare quotes online is to take the time to go to each individual company website and repeat the quote process. For example, let’s assume you want to view quotes from Progressive, Allstate and Liberty Mutual. To do that, you would have to spend time going to each site individually and punch in your information repeatedly, which can be really labor intensive.
To view a list of companies in your area, click here.
If you have time to kill, the last method to comparison shop rate quotes is going to and from local insurance agencies. Quoting and buying insurance online eliminates this option unless you want the guidance only provided by licensed agents. Although you can compare the best prices online but buy the policy through an agent.
It doesn’t matter which method you choose, just be sure to compare identical coverages with each company. If you enter mixed coverages it will be nearly impossible to make an equal comparison.
When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.
Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.
Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Collision coverages – This will pay to fix damage to your Caravan resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like crashing into a ditch, colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for expenses for things like funeral costs, EMT expenses and surgery. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Dodge Caravan.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Auto liability insurance – Liability coverage will cover damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability coverage pays for claims like legal defense fees, court costs and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, policy cancellation, unfair underwriting practices and even denial of a claim. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.
We just showed you some good ideas how you can lower your 1995 Dodge Caravan insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of getting cheap auto insurance. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising.
When trying to cut insurance costs, never buy less coverage just to save a little money. There are many occasions where an insured cut liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.
Much more information about auto insurance is available at these links: