Lower Your 1991 Dodge Caravan Car Insurance Rates

Trying to find lower auto insurance rates for your Dodge Caravan? Wish you could get out of overpriced auto insurance? It’s a common feeling and there are a lot of people just like you who feel imprisoned by their auto insurance policy. Big-name insurance companies like Geico, 21st Century and Progressive increase brand awareness with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

Smart consumers take time to do price comparisons at least once a year because auto insurance rates are rarely the same from one policy term to another. If you had the best deal on Caravan coverage on your last policy other companies may now be cheaper. There are lots of tips to save on auto insurance out there, but in this article, you’re going to get some of the best techniques to save money.

If you are insured now or are shopping for new coverage, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Buying car insurance is quite easy. Vehicle owners only need to know the most effective way to compare prices on the web.

Take policy discounts and save

Auto insurance is neither fun to buy or cheap, but you may be missing some discounts to help bring down the price. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be specifically requested before they will apply. If you’re not getting every credit available, you could be getting lower rates.

  • Memberships – Affiliation with a professional or civic organization could trigger savings on your next auto insurance statement.
  • Accident-Free Discounts – Drivers who don’t have accidents get the best auto insurance rates when compared to frequent claim filers.
  • New Vehicle Savings – Putting auto insurance coverage on a new car can save you some money since new model year vehicles are generally safer.
  • Good Student Discount – Performing well in school may save as much as 25% on a insurance quote. You can use this discount normally until age 25.
  • Sign Early and Save – A few larger companies allow discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Student in College – Kids who attend college more than 100 miles from home and don’t have a car may qualify for this discount.

As a footnote on discounts, many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of companies who offer cheap auto insurance quotes, click here.

What impacts Dodge Caravan insurance rates?

Part of the auto insurance buying process is learning the different types of things that go into determining your auto insurance rates. When you understand what influences your rates, this empowers consumers to make smart changes that can help you get lower auto insurance prices. Lots of factors are taken into consideration when you quote your car insurance policy. Some factors are common sense such as traffic violations, although some other factors are more obscure such as your credit history or your vehicle rating.

  • Bad credit hurts insurance prices – Having a good credit score can be an important factor in determining premium rates. Therefore, if your credit rating is not that good, you could save money insuring your 1991 Dodge Caravan if you improve your credit rating. Drivers who have high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings.
  • Tickets and citations cost more than a fine – Having just one chargable violation could increase your next policy renewal to the point where it’s not affordable. Careful drivers get better rates than their less careful counterparts. Drivers who get careless citations like DWI, reckless driving or hit and run convictions may need to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive.
  • Safer vehicles are cheaper to insure – Vehicles with good safety scores are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries translates into savings for insurance companies and lower rates for you.
  • Low physical damage deductibles can be expensive – Your deductibles define how much you are required to spend if the claim is covered. Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some examples of claims that would be covered are rearending another vehicle, vandalism, and damage caused by road hazards. The more expense you have to pay, the less your auto insurance will be on Caravan coverage.
  • Gender and auto insurance costs – The statistics show women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. They both get in at-fault accidents at about the same rate, but the men get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Insurance rates in urban areas – Choosing to live in less populated areas may provide you with better prices when it comes to auto insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Residents of big cities have more auto accidents and longer commutes to work. Longer commute distances means more chances of being involved in an auto accident.
  • Single drivers take more risk – Getting married can get you a discount on your auto insurance policy. Having a significant other translates into being more mature and it’s proven that married drivers get in fewer accidents.

Which policy gives me the best coverage?

When buying proper insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight if your situation may require specific advice.

  • Am I covered if I hit a deer?
  • Where can I get insurance after a DUI in my state?
  • What are the best liability limits?
  • Am I covered when driving a rental car?
  • Why am I required to get a high-risk car insurance policy?
  • Can I get a multi-policy discount?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance policy specifics

Understanding the coverages of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, hitting a bird, vandalism, rock chips in glass and hitting a deer. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, prosthetic devices and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Dodge Caravan.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

This coverage will pay to fix damage to your Caravan resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, hitting a mailbox, driving through your garage door, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability coverage

This coverage protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, court costs and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

The best insurance company isn’t always the cheapest

Budget-friendly insurance coverage is available both online in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance providers don’t offer internet price quotes and these smaller companies provide coverage only through independent insurance agents.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.

More detailed insurance coverage information can be read in the articles below: