How Much Does 1991 Dodge Grand Caravan Insurance Cost?

Are you drained from wondering where the money will come from to make your auto insurance payment? Your situation is no different than many other drivers. Having so many different company options, it’s difficult to find the right insurance company.

You need to get comparison quotes yearly because prices change frequently. Just because you found the lowest quotes on Grand Caravan insurance a year ago there is a good chance you can find better rates now. You can find a lot of wrong information about auto insurance on the internet, but in this article, you’re going to get some great ideas on how to save money.

This information will introduce you to how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this information. Vehicle owners only need to know the tricks to compare prices over the internet.

How you can control Dodge Grand Caravan insurance prices

It’s important that you understand some of the things that are used to determine insurance coverage rates. When consumers understand what influences your rates, this enables you to make decisions that will entitle you to cheaper rates. Many different elements are used in the calculation when you quote your car insurance policy. Some factors are common sense such as your driving history, but other criteria are less obvious like your continuous coverage or your vehicle rating.

Bad credit hurts insurance premiums – An insured’s credit rating can be a huge factor in your rate calculation. Insureds that have excellent credit tend to be better drivers and file fewer claims than those with worse credit. So if your credit could use some work, you could be paying less to insure your 1991 Dodge Grand Caravan if you clean up your credit.
Insurance is expensive for teen drivers – Young drivers have a tendency to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher. Parents adding a beginning driver onto a policy can be very expensive. Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims and are safer drivers.
Rates increase with driving citations – Only having one moving violation can increase rates by as much as thirty percent. Good drivers pay lower auto insurance prices than bad drivers. Drivers who have gotten license-revoking violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent their license from being revoked.
Get married and get cheaper prices – Being married actually saves money compared to being single. It is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
Gender and car insurance prices – Over the last 50 years, statistics have shown that women are safer drivers than men. It does not mean males are worse at driving than females. Women and men cause fender benders in similar numbers, but the males have costlier accidents. Not only that, but men also get cited for more serious violations such as reckless driving. Male teenagers are several times more likely to be in an accident so it costs more to insure them.
More traffic equals higher rates – Having an address in small towns and rural areas has definite advantages when trying to find low car insurance rates. People who live in big cities regularly have traffic congestion and longer commutes to work. Less people corresponds to lower accident rates in addition to fewer liability claims.

The method we recommend to compare car insurance company rates utilizes the fact car insurance companies actually pay money for the chance to quote your coverage. All consumers are required to do is provide details like which vehicles you own, if you are currently licensed, how much school you completed, and deductibles desired. Your information is sent automatically to multiple companies and they return rate quotes within a short period of time.

To find lower rates now, click here and complete the quick form.

Start a Quote Now

Lower-cost insurance quotes with discounts

Some insurers do not advertise the complete list of policy discounts in an easy-to-find place, so the next list breaks down both well-publicized and the more hidden discounts that you may qualify for.

Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.
Drivers Education – Teen drivers should complete a driver education course as it can save substantially.
Claim-Free Discount – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
Multiple Vehicles – Drivers who insure multiple vehicles with one company can get a discount for every vehicle.
Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a car insurance quote.
Sign Online – Some insurance companies will give a small break shop car insurance online.
Low Miles Discount – Low mileage vehicles can qualify you for substantially lower prices.
Safety Course Discount – Successfully completing a defensive driver course could save 5% or more and easily pay for the cost of the class.
Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote car insurance on Grand Caravan insurance with certain companies.

Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

A list of insurance companies and the discounts they provide can be read below.

Progressive has savings for online signing, continuous coverage, good student, homeowner, and multi-vehicle.
AAA may have discounts that include AAA membership discount, education and occupation, good student, multi-policy, good driver, anti-theft, and pay-in-full.
Farmers Insurance offers discounts for good student, alternative fuel, homeowner, distant student, and teen driver.
Geico has discounts for military active duty, membership and employees, emergency military deployment, multi-policy, and defensive driver.
Esurance discounts include online shopper, homeowner, renters, Switch & Save, anti-theft, anti-lock brakes, and emergency road assistance.
SAFECO may offer discounts for multi-car, bundle discounts, drive less, teen safe driver, teen safety rewards, anti-theft, and homeowner.
State Farm policyholders can earn discounts including anti-theft, Drive Safe & Save, good student, accident-free, student away at school, and passive restraint.

It’s a good idea to ask every company which discounts can lower your rates. Some discounts may not apply to policies in your area. For a list of companies that have a full spectrum of discounts, click this link.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether or not you could use an agent’s help.

Is borrowed equipment or tools covered if stolen or damaged?
When can I cancel my policy?
Where can I find DUI or SR-22 insurance?
Why do I need rental car insurance?
Is a new car covered when I drive it off the dealer lot?
Is pleasure use cheaper than using my 1991 Dodge Grand Caravan to commute?
Am I covered if my car is in a flood?
Am I covered if I drive in a foreign country?
Is a fancy paint job covered?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage basics

Having a good grasp of car insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from car insurance companies.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for bills like EMT expenses, pain medications and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage will pay to fix damage to your Grand Caravan caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, vandalism, hail damage and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Dodge Grand Caravan.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance – This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and 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. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like medical expenses, legal defense fees and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage on a shoestring budget

Discount 1991 Dodge Grand Caravan insurance is attainable online in addition to many insurance agents, and you should compare rates from both to have the best selection. Some insurance providers may not offer rates over the internet and most of the time these small, regional companies work with independent insurance agents.

When searching for the cheapest car insurance quotes, don’t be tempted to reduce coverage to reduce premium. In too many instances, an insured cut physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

More tips and info about car insurance is available in these articles: