Cheap 1998 Dodge Caravan Insurance Quotes

Looking for the cheapest insurance rates for your Dodge Caravan? Finding the cheapest insurance for a Dodge Caravan can be an all-consuming task, but you can use our insurance buying tips and make it easy.

There is a better way to shop for insurance and we’ll show you the proper way to price shop coverage for your Dodge and obtain the cheapest rates from local insurance agents and online providers.

Consumers need to price shop coverage every six months because prices are variable and change quite frequently. Just because you found the lowest rates on Caravan insurance at your last renewal a different company probably has better premium rates today. Forget all the misinformation about insurance because we’re going to demonstrate the fastest and easiest way to properly buy coverages while reducing your premium.

Finding affordable insurance coverage can be fairly easy. If you have a current insurance coverage policy or need a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. Drivers just need to learn how to shop online.

How you can control Dodge Caravan insurance costs

Consumers need to have an understanding of some of the elements that play a part in calculating the level of your policy premiums. If you know what impacts premium levels, this allows you to make good choices that may reward you with lower car insurance prices.

The itemized list below are some of the things companies use to determine prices.

  • Do women or men drive better? – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean males are worse at driving than females. Females and males are responsible for accidents in similar numbers, but the males have accidents that have higher claims. In addition to higher claims, males also get more serious tickets like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • High credit scores save money – Your credit rating is a large factor in calculating your car insurance rates. Drivers with excellent credit scores tend to be better risks to insure than those with worse credit. If your credit history leaves room for improvement, you may save money insuring your 1998 Dodge Caravan if you improve your credit rating.
  • Certain occupations pay higher car insurance rates – Jobs such as real estate brokerspolice officers and dentists are shown to have higher premiums than the average policyholder in part from stressful work requirements and incredibly demanding work hours. Conversely, occupations like farmers, athletes and the unemployed pay lower than average rates on Caravan insurance.
  • Stay claim-free and save – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance companies generally give the lowest premiums to insureds who are not frequent claim filers. Your insurance policy is intended to be relied upon for larger claims.

Cheap auto insurance

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the most efficient way. You can spend countless hours talking about coverages with agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies belong to an insurance system that allows shoppers to submit their information once, and at least one company can provide price quotes. This saves time by eliminating quote forms for each company.

To compare rates using this form now click to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose the insurers you want to price. If you prefer to choose specific insurance companies for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverage information with every price quote. If you enter different limits and deductibles on each one you can’t possibly truly determine the lowest rate.

But they said I’d save $434 a year!

Drivers can’t avoid all the ads that claim the best prices from the likes of State Farm and Allstate. All the companies try to convey promises about how much you will save if you just switch your coverage to them.

How is it plausible that every one can give you a lower rate? Just pay attention to how they say it.

Most companies look for specific characteristics for a prospective insured that will be a good risk. An example of a driver they prefer might be over the age of 50, is a homeowner, and does not commute to work. A propective insured who fits those characteristics will most likely get cheap premium rates and will save money with a new company.

Potential customers who fall short of these criteria will see a higher rate and this results in the customer not buying. If you listen to the ad wording, they say “customers that switch” not “everyone who quotes” save money. This is how insurance companies can make it sound like they have such great prices.

Because of this risk profiling, you really should get as many free insurance quotes as possible. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.

Use discounts to get cheaper auto insurance rates

Companies offering auto insurance don’t always publicize the entire discount list in an easy-to-find place, so here is a list both the well known and also the more inconspicuous discounts you could be receiving when you buy insurance online.

  • 55 and Retired – Seniors may receive a slight reduction on a insurance quote on Caravan insurance.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
  • Passive Restraints – Options like air bags or motorized seat belts could see savings up to 30%.
  • Professional Memberships – Being in qualifying clubs or civic groups can get you a small discount on your bill.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Early Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Accident-Free Discounts – Drivers with accident-free driving histories pay less when compared with accident-prone drivers.
  • Early Switch Discount – A few larger companies give discounts for switching companies prior to your current policy expiring. You may see this discount when you get insurance quotes online.
  • Responsible Drivers – Insureds who avoid accidents may save up to 50% more on Caravan insurance than their less cautious counterparts.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic.

Larger auto insurance companies and some of the discounts are included below.

  • State Farm policyholders can earn discounts including passive restraint, driver’s education, good driver, safe vehicle, student away at school, and anti-theft.
  • Esurance has savings for DriveSense, Pac-12 alumni, good driver, anti-theft, renters, emergency road assistance, and paid-in-full.
  • Progressive may offer discounts for online quote discount, homeowner, good student, online signing, and continuous coverage.
  • Liberty Mutual discounts include good student, multi-car, newly retired, new vehicle discount, newly married, teen driver discount, and hybrid vehicle.
  • Auto-Owners Insurance includes discounts for anti-lock brakes, safe driver, good student, air bags, teen driver, and paid in full.
  • Geico has discounts for anti-theft, membership and employees, good student, five-year accident-free, driver training, emergency military deployment, and daytime running lights.

Check with each company which discounts can lower your rates. Discounts may not apply in your area. To find insurers with the best discounts, click here.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight if your situation will benefit from professional help.

  • Do I need an umbrella policy?
  • Does liability extend to a camper or trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When do I need to add a new car to my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I hit a deer?
  • Does my personal policy cover me when driving out-of-state?
  • Should I buy additional glass protection?
  • How do I insure my teen driver?
  • Who is covered when they drive my 1998 Dodge Caravan?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Caravan.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

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

Comprehensive can pay for things like damage from flooding, damage from a tornado or hurricane and a broken windshield. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as legal defense fees, medical expenses, bail bonds, funeral expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like dental work, doctor visits and nursing services. 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 getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Spend less. Save more.

Discount 1998 Dodge Caravan insurance can be sourced both online and with local insurance agents, and you should be comparing both to have the best rate selection. Some companies may not offer the ability to get a quote online and many times these small insurance companies provide coverage only through independent insurance agencies.

We just covered some good ideas how you can save on 1998 Dodge Caravan insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the best premium rates are with a small mutual company.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many cases, an accident victim reduced physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage for the lowest price.

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