Are you sick and tired of not being able to scrape enough together to pay your auto insurance bill each month? Your situation is no different than many other drivers. Due to the large number of companies and agents to choose from, it can be challenging to pick a lower cost auto insurance provider.
You need to do rate comparisons periodically because auto insurance prices are usually higher with each renewal. If you had the lowest rates for Caravan coverage on your last policy there is a good chance you can find better rate quotes now. Forget all the misinformation about auto insurance because it’s time to teach you how to quote online to lower your annual insurance bill.
Companies that sell car insurance do not advertise their entire list of discounts in an easy-to-find place, so the list below details both the well known as well as some of the hidden savings tricks you should be using when you buy car insurance online.
Remember that most credits do not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.
To find insurance companies who offer online car insurance quotes, click here to view.
When choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions might help in determining whether or not you would benefit from an agent’s advice.
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.
Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, court costs, loss of income and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for short-term medical expenses such as X-ray expenses, ambulance fees, EMT expenses, prosthetic devices and funeral costs. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from getting keyed, a broken windshield and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision coverage will pay to fix damage to your Caravan resulting from a 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 scraping a guard rail, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 1999 Dodge Caravan.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Affordable 1999 Dodge Caravan insurance can be purchased from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and these regional carriers only sell coverage through independent agencies.
When shopping online for insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
We just presented some good ideas how to lower your 1999 Dodge Caravan insurance rates. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost car insurance. You may be surprised to find that the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.