Compare 1998 Dodge Grand Caravan Insurance Cost

Have you fallen victim to an underperforming, overpriced car insurance policy? Trust us, there are many people just like you. Companies like State Farm and Geico promote their brand names with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

You may qualify for discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Senior Citizen Discount – Older drivers could receive a small decrease in premiums for Grand Caravan insurance.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being on active duty in the military could trigger a small discount.
  • Payment Discounts – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
  • Online Discount – Some insurance companies will give you a small discount for completing your application online.
  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Buying insurance for more than one vehicle on one policy can reduce rates for all insured vehicles.
  • Good Student – Getting good grades can earn a discount of 20% or more. Most companies allow this discount up to age 25.
  • Clubs and Organizations – Having an affiliation with certain professional organizations is a simple method to lower premiums when shopping for car insurance.

It’s important to note that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think you can get free auto insurance, you aren’t that lucky.

To choose insurers who offer cheap car insurance quotes, click this link.

The cheapest auto insurance quotes

All the larger auto insurance companies make it easy to get prices on their websites. Getting prices online doesn’t take a lot of time as you just type in the coverages you want into a form. Once you submit the form, their system will obtain your driving and credit reports and returns a price based on these factors. Online quotes makes it simple to compare prices but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to find better prices.

There is a better way to compare rates

The quickest way to find better auto insurance pricing makes use of a single form to obtain quotes from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online quotes much simpler. After sending your information, it is rated and you can choose any one of the quote results.

If you find a better price you can simply submit the application and purchase coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly find out if lower rates are available, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. This way, you are getting a fair comparison for similar coverage.

Insurance rate influencing factors

Lots of things are used in the calculation when quoting car insurance. Some factors are common sense like an MVR report, but some are less apparent like where you live or your financial responsibility.

  • How much liability – The liability section of your policy will protect you if ever you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage starting from day one. Liability is cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Policy add-ons may be wasting money – Insurance companies have many additional extra coverages that you can get tricked into buying if you don’t pay attention. Coverage for things like rental car coverage, better glass coverage, and term life insurance are some examples. You may think they are a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
  • Get married and pay less – Walking down the aisle may earn you lower rates when shopping for auto insurance. Marriage means you’re less irresponsible and insurance companies reward insureds because married couples file fewer claims.
  • Advanced theft deterrents – Choosing to buy a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft and help lower rates.
  • Where you live plays a part – Being located in a small town may provide you with better prices when trying to find low car insurance rates. People in densly populated areas regularly have more aggressive driving styles and higher rates of accident claims. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims
  • Credit rating impacts premium prices – A driver’s credit rating is a large factor in determining what you pay for auto insurance. People that have good credit tend to be better risks to insure as compared to drivers with bad credit. If your credit history is low, you could pay less to insure your 1998 Dodge Grand Caravan by spending a little time repairing your credit.
  • Driver age impacts costs – More mature drivers are viewed as being more responsible, are lower risk to insure and tend to be get fewer driving tickets.Beginning drivers tend to get distracted easily with other occupants in the car so auto insurance rates are higher.

There’s no such thing as the perfect car insurance policy

When buying coverage, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • How many claims can I have before being cancelled?
  • Is business property covered if stolen from my car?
  • Do I need replacement cost coverage?
  • Why do I only qualify for high-risk insurance?
  • Is my teenager covered with friends in the car?
  • How can I force my company to pay a claim?
  • Does my policy cover me when driving someone else’s vehicle?
  • When should I drop full coverage on my 1998 Dodge Grand Caravan?
  • Is my Dodge Grand Caravan covered if I use it for business?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

The largest companies are not always cheapest

Consumers get pounded daily by advertisements that promise big savings for switching by companies like Geico, State Farm and Progressive. They all have a common claim that people will save if you get a free insurance quote and switch your coverage.

But how can every company give you a lower rate? It’s all in the numbers.

Companies are able to cherry pick for a prospective insured that will be a good risk. One example of a desirable insured might have to be a mature driver, owns their home, and does not commute to work. A customer who matches those parameters will get the preferred prices and will save if they switch.

Insureds who do not fit the requirements may be forced to pay a higher premium which results in business not being written. If you listen closely, the ads state “drivers that switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can confidently state the savings.

This really drives home the point why it is so important to compare price quotes frequently. Because you never know which car insurance company will fit your personal profile best.

Information about specific coverages

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, hail damage and rock chips in glass. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

Collision coverage will pay to fix damage to your Grand Caravan resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as rehabilitation expenses, surgery and funeral costs. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Liability insurance

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people. It does not 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. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

More choices the merrier

When searching for affordable insurance quotes, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

Budget-friendly car insurance is available both online as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some companies may not provide online rate quotes and many times these smaller companies only sell coverage through independent agents.

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