1999 Dodge Caravan Insurance Quotes – 6 Tips for Cheaper Rates

Have you had enough of not being able to scrape enough together to keep your car insured? You’re in the same situation as many other people. Insurance companies such as State Farm, Geico and Farmers Insurance constantly blast consumers with ads and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you have a current auto insurance policy or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. Finding affordable coverage is quite easy. Vehicle owners just need to understand the proper way to shop their coverage around on the web.

Compare free car insurance price quotes

The majority of larger companies such as Progressive, Allstate and Geico give price estimates directly from their websites. Getting online rates is very simple as you just type in your personal and coverage information as requested by the quote form. When complete, the quote system pulls your credit score and driving record and returns a price. Quoting online makes it a lot easier to compare rates but the time it takes to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to compare as many rates as possible if you want to find a better rate.

There is a better way to compare rates

The quickest way to compare rates makes use of a single form that obtains quotes from multiple companies. It saves time, reduces the work, and makes rate comparisons much more enjoyable and efficient. As soon as the form is sent, it is rated and you can choose any of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and can result in significant savings.

To compare pricing, click here and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate as shown on your current policy. Doing this guarantees you will have rate quotes for similar coverage.

Can you really save that much by switching?

Consumers can’t ignore all the ads for the lowest price insurance coverage from the likes of Progressive, Allstate and Geico. All the companies advertise claims about savings if you just switch to them.

How is it plausible that every one can make the same claim? It’s all in how they say it.

Most companies quote their best rates for the type of driver that will be a good risk. An example of this type of driver could possibly be between 25 and 40, has no prior claims, and drives a safe vehicle. Any person who matches that profile will get a cheap rate quote as well as save a lot if they switch.

Potential customers who fall short of these stringent criteria will be quoted a higher rate which usually ends up with the customer buying from a different company. The ads say “drivers who switch” not “everyone who quotes” save the amount stated. That’s why companies can truthfully make those statements. Each company has different criteria, so drivers should get insurance coverage quotes as often as possible. You cannot predict which company will have the lowest rate quotes.

Reduce your car insurance rates with these six discounts

Auto insurance companies don’t necessarily list every discount they offer very well, so the following is a list of both well-publicized and also the lesser-known discounts that may be available.

  • Sign Online – A handful of insurance companies may give you up to $50 for completing your application over the internet.
  • Clubs and Organizations – Belonging to certain professional organizations can get you a small discount when getting a insurance coverage quote.
  • Onboard Data Collection – Drivers that enable their company to track driving manner remotely such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
  • Seat Belt Discounts – Requiring all passengers to use their safety belts could cut 10% or more off the medical payments premium.
  • Early Signing – A few car insurance companies offer discounts for switching companies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a insurance coverage quote.

Keep in mind that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But any discount will help lower your policy premiums.

Popular car insurance companies and their offered discounts are:

  • State Farm may include discounts for multiple policy, anti-theft, defensive driving training, safe vehicle, student away at school, driver’s education, and passive restraint.
  • Farmers Insurance includes discounts for alternative fuel, electronic funds transfer, youthful driver, multi-car, and pay in full.
  • Progressive discounts include online signing, online quote discount, homeowner, continuous coverage, and multi-vehicle.
  • Geico policyholders can earn discounts including anti-theft, defensive driver, military active duty, anti-lock brakes, five-year accident-free, and multi-policy.
  • Auto-Owners Insurance offers discounts including teen driver, company car, anti-lock brakes, mature driver, and student away at school.
  • The Hartford may offer discounts for driver training, air bag, anti-theft, vehicle fuel type, and defensive driver.
  • Farm Bureau has discounts for driver training, renewal discount, multi-policy, safe driver, good student, 55 and retired, and multi-vehicle.
  • USAA may have discounts that include annual mileage, new vehicle, driver training, safe driver, multi-vehicle, vehicle storage, and military installation.

When getting free insurance coverage quotes, it’s a good idea to every company how you can save money. Discounts may not be available in your area. To locate insurers offering car insurance discounts, follow this link.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions could help you determine if your insurance needs might need professional guidance.

  • Can my babysitter drive my car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I hit a deer?
  • Can I get a multi-policy discount?
  • Where can I find DUI or SR-22 insurance?
  • What is medical payments coverage?
  • Should I have combined single limit or split liability limits?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are rock chip repairs covered?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverage considerations

Understanding the coverages of car insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Collision coverage protection

Collision insurance covers damage to your Caravan from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Dodge Caravan.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hitting a bird and damage from flooding. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage provides protection from damage that occurs to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like medical services, court costs and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for things like nursing services, pain medications, hospital visits and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Final thoughts

When shopping online for car insurance, do not buy less coverage just to save a little money. There have been many situations where someone sacrificed physical damage coverage to discover at claim time that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

In this article, we presented some good ideas how to reduce 1999 Dodge Caravan insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even discover the lowest prices come from a small local company. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Additional car insurance information can be read on the following sites: