1994 Dodge Caravan Insurance Quotes

Searching for lower car insurance rates for your Dodge Caravan? Are you overwhelmed by the dozens of car insurance companies that you can choose from? You have so many companies available that it is a ton of work to find the best prices.

It is always a good idea to get comparison quotes on a regular basis because car insurance rates are variable and change quite frequently. If you had the best deal on Caravan coverage a couple years back there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. The purpose of this post is to help you learn how car insurance quotes work and some tips to save money. But drivers can benefit from knowing the way companies determine prices and use this information to your advantage.

Do you qualify for discounts?

Insurance coverage is not cheap nor is it fun to buy but there may be some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time of quoting, but some discounts are required to be asked for prior to receiving the credit.

  • Save over 55 – Seniors are able to get better insurance coverage rates on Caravan coverage.
  • No Claims – Insureds who avoid accidents and claims pay less as compared to frequent claim filers.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on medical payment and PIP coverage.
  • Discounts for Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates on Caravan coverage than drivers with accident claims.
  • Military Deployment Discount – Being on active deployment in the military could qualify you for better premium rates.

As a sidenote, most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

A partial list of companies that may offer quotes with some of the above discounts include:

Before buying, ask all the companies which discounts you may be entitled to. Discounts might not be available to policyholders in every state. If you would like to see a list of companies that can offer you the previously mentioned discounts, follow this link.

How to buy auto insurance

There are a variety of methods you can shop for auto insurance but some are less labor-intensive and much quicker. You could spend your day driving to insurance agencies in your area, or you can utilize the internet to get the quickest rates.

Many of the larger companies belong to a marketplace that enables customers to send in one quote, and at least one company returns a rated price based on that information. This saves time by eliminating quotation requests for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

One minor caviat to comparing rates this way is that you can’t choose the insurers you will receive quotes from. So if you want to choose specific providers to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

Which method you use is up to you, but double check that you are using equivalent coverages on every quote. If you enter different data you can’t possibly determine the lowest rate for your Dodge Caravan. Just a small difference in coverages may cause a big price difference. It’s important to know that comparing a wide range of rates increases the change that you will find the best rates. Not every company does rate quotes online, so you also need to get rates from them, too.

Don’t assume everyone needs the same car insurance coverage

When choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • Am I covered if I crash into my own garage door?
  • Is there coverage for injuries to my pets?
  • Do I need rental car coverage?
  • Does having multiple vehicles earn me a discount?
  • Does car insurance cover theft of personal property?
  • Will I be non-renewed for getting a DUI or other conviction?
  • If I drive on a suspended license am I covered?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Car insurance coverage basics

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto liability – This can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, pain medications, nursing services and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive car insurance – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – Collision insurance will pay to fix damage to your Caravan resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Buy online or local, you save

Affordable 1994 Dodge Caravan insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies may not offer internet price quotes and these smaller providers sell through independent agents.

When searching for affordable car insurance quotes, do not reduce needed coverages to save money. There have been many cases where an insured cut liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

In this article, we covered a lot of tips how to compare 1994 Dodge Caravan insurance prices online. The key concept to understand is the more you quote car insurance, the better likelihood of getting cheaper car insurance. You may even discover the lowest prices are with an unexpected company.

Additional auto insurance information is available on the following sites: