Compare 1997 Dodge Grand Caravan Car Insurance Quotes

Want cheaper insurance rates for your Dodge Grand Caravan? Finding cheaper insurance quotes online might sound like a lofty goal if you’ve never received online insurance quotes. But don’t let that discourage you because online price shopping is actually quite simple.

If you are paying for car insurance now, you will most likely be able to save some money using this information. Shopping for the lowest cost car insurance coverage is easy if you know what you’re doing. But consumers must understand how insurance companies sell online and take advantage of how the system works.

Insurance coverage quotes comparison

Effectively comparing insurance coverage prices can be a daunting task if you don’t understand the easiest way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the web to get rates in a matter of minutes.

Most of the larger companies enroll in a system that enables customers to submit their information once, and each participating company returns a rated price based on that data. This eliminates the need for form submissions to each individual insurance coverage company.

To enter your information into the quoting system, click here to open in new window.

The one downside to using this type of system is buyers cannot specifically choose the insurers you will receive quotes from. So if you want to select specific providers to compare, we have a page of insurance coverage companies in your area. Click here to view list.

Whichever way you use, make sure you compare identical coverage information on every quote you get. If you are comparing higher or lower deductibles it will be very difficult to get a fair rate comparison. Just a small difference in insurance coverages or limits could mean much higher rates. And when price shopping your coverage, making a lot of price comparisons will improve the odds of getting more affordable rates.

Save $489 a year! What?

Auto insurance providers like Allstate and Progressive consistently run ads on television and other media. They all make the point about how much you will save if you get a free insurance quote and switch your auto insurance coverage to their company. How does every company charge lower premium rates? You have to listen carefully.

Different companies look for specific characteristics for the type of customer that earns them the highest profit. For example, this type of insured could be over the age of 35, has a low-risk occupation, and drives less than 5,000 miles a year. A customer getting a price quote that fits those parameters will get the preferred premium rates as well as cut their rates substantially.

Insureds who fall outside the “perfect” profile will probably have to pay higher premiums with the end result being the customer buying from a different company. Company advertisements say “drivers that switch” not “everybody who quotes” save that much. This is how insurance companies can confidently make claims that they all have the best rates.

Because every company is different, drivers must quote coverage with many companies. It’s just not possible to know the company that will provide you with the cheapest prices.

Take policy discounts and save

Insurance can cost an arm and a leg, but you can get discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at quote time, but occassionally some discounts must be manually applied before they will apply. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

  • Passive Restraint Discount – Factory air bags can receive discounts of 25 to 30%.
  • Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
  • Driving Data Discount – People who choose to allow their company to analyze vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they show good driving skills.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control are safer to drive and the ABS can save up to 10%.
  • Distant College Student Discount – Kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Defensive Driving Course – Taking time to complete a defensive driver course could save 5% or more and easily recoup the cost of the course.
  • Discount for Low Mileage – Driving less could earn lower rates on the low mileage vehicles.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

A few of the larger companies and a summarized list of policyholder discounts are included below.

  • State Farm may offer discounts for good driver, Drive Safe & Save, anti-theft, driver’s education, defensive driving training, and multiple autos.
  • Geico offers premium reductions for membership and employees, military active duty, federal employee, five-year accident-free, defensive driver, and emergency military deployment.
  • Liberty Mutual discounts include hybrid vehicle, multi-car, new graduate, good student, and safety features.
  • The Hartford policyholders can earn discounts including vehicle fuel type, defensive driver, bundle, anti-theft, driver training, air bag, and good student.
  • MetLife has discounts for accident-free, defensive driver, claim-free, multi-policy, good student, and good driver.
  • Progressive includes discounts for online signing, online quote discount, homeowner, continuous coverage, and multi-policy.

If you need cheaper insurance quotes, ask all the companies how you can save money. Some of the earlier mentioned discounts might not be offered in every state.

Which policy gives me the best coverage?

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Do I need roadside assistance coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my state a no-fault state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I hit a deer?
  • Can I make deliveries for my home business?
  • Are all vehicle passengers covered by medical payments coverage?

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

Auto insurance coverages and their meanings

Understanding the coverages of auto insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hail damage and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for pain medications, rehabilitation expenses, chiropractic care and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability coverage

This will cover damage that occurs to other people or property. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as attorney fees, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Dodge Grand Caravan.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto collision coverage

This coverage will pay to fix damage to your Grand Caravan resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, driving through your garage door, crashing into a building, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

We just covered many tips how you can shop for 1997 Dodge Grand Caravan insurance online. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with some of the smallest insurance companies.

Insureds leave their current company for many reasons like delays in paying claims, lack of trust in their agent, high rates after DUI convictions and even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is actually quite simple.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. The ultimate goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

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