Cheap 2001 Dodge Grand Caravan Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Dodge Grand Caravan? Cutting costs on Driversauto insurance could be challenging for beginners to comparing prices online. You have so many options that it can turn into a challenge to find cheaper coverage rates.

Consumers should take time to shop coverage around on a regular basis due to the fact that insurance prices go up and down regularly. Just because you had the best deal on Grand Caravan insurance at your last renewal a different company probably has better premium rates today. Ignore everything you know about auto insurance because I’m going to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

The purpose of this article is to tell you how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this information. But car owners must comprehend the way insurance companies price insurance differently.

How insurance companies determine Dodge Grand Caravan insurance rates

Multiple criteria are considered when quoting car insurance. Some are pretty understandable such as your driving record, but other factors are more transparent like your continuous coverage or how safe your car is.

Shown below are some of the major factors used by companies to determine your premiums.

  • Gaps in coverage mean higher car insurance rates – Driving with no insurance is against the law and companies may charge more for letting your insurance expire. In addition to paying higher rates, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license. You may have to file a SR-22 with your state department of motor vehicles.
  • Drive less and pay lower prices – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies calculate rates based upon how the vehicle is primarily used. Cars and trucks left parked in the garage cost less to insure than those that get driven frequently. An improperly rated Grand Caravan may be costing you. Make sure your policy is rated on the correct driver usage, because improper ratings can cost you money.
  • Gender and auto insurance prices – Statistics have proven that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. Women and men tend to get into auto accidents at a similar rate, but the males have costlier accidents. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are most likely to cause an accident so they pay the highest premiums.
  • Premiums drop with age – Mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims , and usually have better credit.Teen drivers have been known to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
  • Stay claim-free and lower prices – Car insurance companies generally give discounts to drivers who do not file claims often. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Your insurance policy is intended for more catestrophic claims.
  • Being married can save you money – Having a significant other may cut your premiums when shopping for car insurance. Having a spouse demonstrates that you tend to be more mature and responsible and insurance companies like that being married results in fewer claims.
  • Premiums increase with driving tickets – Being a careful driver has a huge affect on how much you pay. Good drivers have lower premiums as compared to those with violations. Having a single ticket could increase your next policy renewal by as much as twenty percent. Drivers who have multiple violations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state’s licensing department in order to keep their license.

Are you receiving every discount?

Companies don’t always advertise every available discount in a way that’s easy to find, so we took the time to find some of the best known and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Renewal Discounts – Some insurance companies give discounts for buying a new policy early. Ten percent is about the average savings.
  • Include Life Insurance and Save – Larger insurance companies have a discounted premium rate on car insurance if you buy life insurance.
  • Defensive Driver – Participating in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can get a small discount on rates on Grand Caravan insurance.
  • Student in College – who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Low Miles Discount – Keeping the miles down on your Dodge could earn substantially lower premium rates.
  • New Car Discount – Insuring a new car can save up to 30% compared to insuring an older model.
  • Professional Organizations – Being in a civic or occupational organization is a simple method to lower premiums on auto insurance.
  • Home Ownership Discount – Simply owning a home can save you money because of the fact that having a home is proof of financial responsibility.
  • Student Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, you aren’t that lucky. But any discount will bring down your policy premiums.

Companies and some of the discounts are outlined below.

  • GEICO offers discounts for multi-vehicle, air bags, federal employee, multi-policy, seat belt use, emergency military deployment, and military active duty.
  • Travelers includes discounts for driver training, early quote, multi-car, multi-policy, and home ownership.
  • Nationwide discounts include accident-free, defensive driving, multi-policy, business or organization, and easy pay.
  • Farmers Insurance offers discounts including homeowner, mature driver, alternative fuel, early shopping, electronic funds transfer, bundle discounts, and teen driver.
  • Esurance may have discounts that include claim free, DriveSense, good driver, defensive driver, and safety device.
  • State Farm may include discounts for accident-free, good driver, defensive driving training, passive restraint, and driver’s education.
  • Progressive offers premium reductions for multi-vehicle, homeowner, continuous coverage, good student, multi-policy, and online quote discount.
  • Mercury Insurance has discounts for ease of repair, age of vehicle, type of vehicle, anti-theft, multi-car, accident-free, and multi-policy.

Before buying, ask each company or agent to give you their best rates. Discounts may not be offered in your area. To see insurance companies who offer online auto insurance quotes, follow this link.

When in doubt talk to an agent

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

These are some specific questions can aid in determining if you would benefit from professional advice.

  • Am I covered by my spouse’s policy after a separation?
  • What if I owe more than I can insure my car for?
  • Am I covered when driving someone else’s vehicle?
  • Is my nanny covered when driving my vehicle?
  • Is extra glass coverage worth it?
  • Who is covered when they drive my 2001 Dodge Grand Caravan?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for things like pain medications, EMT expenses and dental work. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hail damage, theft and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Dodge Grand Caravan.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Collision coverage

This pays for damage to your Grand Caravan caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverages

Liability coverage can cover injuries or damage you cause to other people or property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects, court costs and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

The bottom line

Some insurance providers may not offer the ability to get a quote online and many times these smaller companies prefer to sell through independent agencies. Cheaper insurance coverage is possible online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money.

We’ve covered quite a bit of information on how to reduce 2001 Dodge Grand Caravan insurance premium rates online. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. Drivers may discover the biggest savings come from a lesser-known regional company.

Insureds switch companies for a number of reasons such as questionable increases in premium, policy non-renewal, lack of trust in their agent and even policy cancellation. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

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