1996 Dodge Grand Caravan Car Insurance Rates

Finding cheaper insurance quotes online may seem complicated initially since most people haven’t used quote comparisons online. But relax because we’re going to show you how.

It’s a great practice to shop coverage around on a regular basis due to the fact that insurance prices fluctuate regularly. Just because you found the best price on Grand Caravan coverage on your last policy other companies may now be cheaper. Ignore everything you know about car insurance because we’re going to demonstrate one of the best ways to get good coverage at a lower rate.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. But vehicle owners benefit from understanding the way insurance companies price insurance differently and use this information to your advantage.

Affordable insurance coverage

To find cheaper rates, there are a couple of ways to obtain and compare prices from insurance coverage companies in your area. The simplest method to find cheaper 1996 Dodge Grand Caravan rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

  • The easiest and least time consuming way consumers can analyze rates is a comparison rater form click here to open form in new window. This form keeps you from doing separate quotes for every insurance coverage company. Just one form compares rates from several companies. Recommended for those who want to invest the least amount of time.
  • A harder way to analyze rates requires a visit to each individual company website and go through the quote process again. For example, we’ll assume you want to see prices from Liberty Mutual, 21st Century and Allstate. To do that, you would have to visit each site and repeatedly type in your coverage information, which is why the first method is quicker.

    For a list of companies in your area, click here.

  • The final method to find cheaper rates is driving to and from local insurance agencies. Shopping for insurance coverage online eliminates the need for an insurance agent unless you’re the type of person who wants the peace of mind that you can only get from talking to an agent. It is possible with some companies comparison shop your insurance online but purchase the actual policy in an agency.

Compare rates however you want, just be sure you’re using exactly the same information for every quote you compare. If you use different deductibles then you won’t be able to get a fair rate comparison. Just slight variations in insurance coverages may result in large price differences. And when price shopping your coverage, obtaining a wide range of quotes increases the change that you will find more affordable insurance.

Beware of misleading auto insurance ads

Geico, State Farm and Progressive consistently run television and radio advertisements. They all seem to try to convey promises about saving some big amount if you switch your auto insurance coverage to their company. How does every company charge less that you’re paying now? It’s all in the words they use.

Insurance providers are able to cherry pick for a prospective insured that is profitable for them. One example of this type of risk profile might be over the age of 45, has a clear driving record, and drives a car with an anti-theft system. Any customer that fits those parameters is entitled to the best price as well as save if they switch.

Insureds who fall short of these standards will probably be forced to pay higher rates and this results in the customer buying from someone else. The wording the ads use say “people that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can confidently make claims that they all have the best prices. This really drives home the point why drivers must get price quotes at each policy renewal. It is impossible to predict with any certainty which company will have the lowest rates.

Dodge Grand Caravan insurance price factors

Many things are taken into consideration when pricing auto insurance. Most are fairly basic like a motor vehicle report, but some are not quite as obvious such as your marital status or how safe your car is.

  • Are women or men drivers cheaper? – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents at a similar rate, but males have costlier accidents. Not only are claims higher, but men have more aggressive citations like DWI (DUI) or reckless driving.
  • Drive lots and pay more – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage cost less to insure than those that get driven frequently. It’s always a good idea to double check that your declarations sheet correctly shows the correct usage for each vehicle. An improperly rated Grand Caravan can result in significantly higher rates.
  • Low stress vocation equals lower insurance rates – Did you know your career choice can influence rates? Careers like fire fighterspolice officers and financial analysts usually pay higher average rates attributed to high stress and long work days. Conversely, jobs like scientists, students and the unemployed have the lowest average rates on Grand Caravan coverage.
  • Discounts for multiple policies – Most major insurance companies afford better rates for people that have more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s in your best interest to comparison shop to help ensure you have the lowest rates.

Insurance discounts help cut rates

Not too many consumers would say insurance is affordable, but there are discounts available that could help you make your next renewal payment. Many of these discounts will be applied automatically at quote time, but occassionally some discounts must be asked about in order for you to get them. If you do not double check each discount you qualify for, you are not getting the best rate possible.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) off the medical payments premium.
  • Senior Discount – If you’re over the age of 55, you may qualify for a slight reduction on a insurance quote on Grand Caravan coverage.
  • Multiple Cars – Drivers who insure all your vehicles on one policy can reduce the rates for all insured vehicles.
  • No Claims – Claim-free drivers have much lower rates as opposed to drivers who are more careless.
  • Policy Bundle Discount – When you combine your auto and home insurance with the same company you could get a discount of at least 10 to 15 percent or more.
  • Early Signing – A few insurance companies allow discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Professional Memberships – Participating in a professional or civic organization may earn a discount when getting a insurance quote.
  • Discount for Home Ownership – Just owning your own home can get you a discount because it means you have a higher level of financial diligence.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Popular insurance companies and the discounts they provide can be read below.

  • Farm Bureau offers premium reductions for safe driver, driver training, youthful driver, good student, and renewal discount.
  • State Farm may offer discounts for safe vehicle, multiple autos, passive restraint, student away at school, and Drive Safe & Save.
  • Progressive may include discounts for continuous coverage, online signing, online quote discount, good student, multi-vehicle, and multi-policy.
  • Allstate offers discounts including anti-lock brakes, good payer, EZ pay plan discount, eSmart discount, utility vehicle, anti-theft, and auto/life discount.
  • Nationwide policyholders can earn discounts including Farm Bureau membership, multi-policy, easy pay, accident-free, good student, and business or organization.
  • MetLife has discounts for multi-policy, claim-free, good driver, defensive driver, accident-free, good student

It’s a good idea to ask every prospective company which discounts they offer. Some of the earlier mentioned discounts might not apply in every state. If you would like to view providers offering insurance discounts, click this link.

Which is the best insurance?

When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your insurance needs might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Should I have a commercial auto policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford to pay high deductible claims out of pocket?
  • What can I do if my company denied a claim?
  • When would I need rental car insurance?
  • I don’t drive much so do I pay less?
  • Do I need more liability coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance 101

Having a good grasp of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from flooding, a tree branch falling on your vehicle and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

Collision insurance will pay to fix damage to your Grand Caravan caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, rolling your car, colliding with a tree, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability

This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things like medical services, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses such as pain medications, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Grand Caravan.

Since a lot of 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.

Don’t be a big spender

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many cases, someone dropped uninsured motorist or liability limits and learned later that it was a big error on their part. The proper strategy is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

In this article, we covered a lot of techniques to compare 1996 Dodge Grand Caravan insurance auto insurance rates online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheap insurance. Drivers may discover the lowest auto insurance rates are with a company that doesn’t do a lot of advertising.

Insureds leave their current company for many reasons like denial of a claim, policy non-renewal, high prices or poor customer service. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

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