Lower Your 2002 Dodge Grand Caravan Insurance Rates

Consumers have lots of choices when looking for the lowest priced Dodge Grand Caravan insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the quickest way to compare rates for a new or used Dodge and locate the lowest possible price.

Consumers need to price shop coverage quite often because insurance coverage prices are variable and change quite frequently. Despite the fact that you may have had the lowest quotes on Grand Caravan coverage on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to use online quotes to eliminate unnecessary coverages and save money.

Compare insurance coverage quotes

Finding a better price on insurance coverage is a fairly straight forward process. Just take a few minutes to compare rate quotes to find the company with low cost insurance coverage quotes. This can easily be done using one of these methods.

  • The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for separate forms for every prospective company. Filling out one form will return price quotes from multiple low-cost companies. It’s definitely the quickest method.
  • A more time consuming way to shop for insurance coverage online is spending the time to visit the website for every company you want to comare and request a quote. For instance, let’s assume you want to compare prices for Nationwide, Farmers and GMAC. You would be required to spend time on each company’s site to enter your coverage information, which can take a lot of time.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare nearly identical coverage limits on every quote you get. If you compare different values for each quote it will be nearly impossible to make a fair rate comparison.

Discounts to earn lower-cost insurance rates

The price of auto insurance can be rather high, but you may qualify for discounts that you may not even know about. Some trigger automatically at quote time, but some must be specially asked for before being credited.

  • Military Rewards – Being deployed with a military unit can result in better premium rates.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
  • Paperless Signup – Many insurance companies will provide an incentive for buying a policy and signing up on the internet.
  • Claim-Free Discount – Drivers with accident-free driving histories pay less when compared to insureds who have frequent claims or accidents.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will positively reduce your policy cost.

Some of the insurance companies that possibly offer most of these discounts are:

If you want inexpensive insurance coverage quotes, ask each company which discounts you qualify for. Savings might not be offered on policies in your area. If you would like to view insurers that offer many of these discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help highlight if you might need professional guidance.

  • Does having multiple vehicles earn me a discount?
  • Am I covered if I hit a deer?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my babysitter covered when using my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Am I getting all the discounts available?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Coverage for liability – This will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims like repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for doctor visits, chiropractic care, nursing services and pain medications. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision – Collision coverage covers damage to your Grand Caravan resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, scraping a guard rail, colliding with another moving vehicle, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, a broken windshield, damage from flooding, falling objects and hitting a bird. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.