Lower Your 1999 Dodge Grand Caravan Car Insurance Rates

Want cheaper insurance rates for your Dodge Grand Caravan? Comparing auto insurance quotes online could seem overwhelming if you are someone who has never done online quoting. Don’t let the process intimidate you because finding better rates is actually fairly simple.

If you currently have a car insurance policy, you will most likely be able to save some money using these methods. This article will tell you the best way to quote coverages and some tricks to saving. But car owners do need to understand how big insurance companies market insurance on the web.

Are you earning every discount?

Car insurance companies don’t always publicize the complete list of policy discounts in a way that’s easy to find, so we researched a few of the more common as well as the least known credits available to bring down your rates.

  • Auto/Life Discount – Insurance companies who offer life insurance give better premium rates if you take out auto and life insurance together.
  • Home Ownership Discount – Owning your own home or condo can save a few bucks due to the fact that maintaining a home requires personal responsibility.
  • Claim Free – Drivers who stay claim-free can earn big discounts in comparison with insureds who have frequent claims or accidents.
  • Sign Online – A few larger online companies will discount your bill up to fifty bucks simply for signing on their website.
  • Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease on Grand Caravan coverage but check with your company.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, that’s just not realistic. But all discounts will help reduce your insurance premiums.

The best insurance companies and their offered discounts include:

  • Progressive has discounts for homeowner, online signing, online quote discount, multi-policy, and continuous coverage.
  • SAFECO has savings for teen safe driver, teen safety rewards, anti-lock brakes, accident prevention training, safe driver, drive less, and multi-car.
  • American Family offers discounts for mySafetyValet, air bags, Steer into Savings, good student, bundled insurance, and multi-vehicle.
  • MetLife includes discounts for accident-free, multi-policy, good driver, claim-free, and defensive driver.
  • Geico policyholders can earn discounts including daytime running lights, anti-lock brakes, driver training, good student, defensive driver, and federal employee.
  • The Hartford may have discounts that include vehicle fuel type, driver training, defensive driver, air bag, and good student.

Before buying, ask all the companies the best way to save money. Some credits may not be available in your area.

Compare free insurance price quotes

All major insurance companies like Geico, State Farm and Progressive provide prices for coverage directly from their websites. Getting online rates is quite simple as you simply enter your personal and coverage information into the quote form. After you complete the form, their rating system pulls your driving and credit reports and returns a price quote based on these factors.

Online price estimates simplifies rate comparisons, but having to visit multiple sites and type in the same information is repetitive and time-consuming. But it’s also necessary to have as many quotes as possible if you want to find lower prices.

The preferred way to find better insurance pricing uses one simple form to return rates from a bunch of companies at once. It saves time, requires much less work on your part, and makes online shopping much easier to do. After your information is entered, your coverage is rated and you are able to buy any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To save time and compare rates using this form now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you input your coverages identical to your current policy. Using the same limits helps guarantee you will be getting comparison quotes based on identical coverages.

Buy cheaper insurance coverage with these tips

Lots of things are used when quoting car insurance. Some are obvious such as your driving record, although some other factors are not quite as obvious like your continuous coverage or your vehicle rating.

  • Liability is peace of mind – Your insurance coverage policy’s liability coverage will afford coverage if a jury decides you are liable for personal injury or accident damage. This coverage provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Know your credit score – A driver’s credit rating factor in determining what you pay for insurance coverage. People that have high credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings. Therefore, if your credit rating is lower than you’d like, you could be paying less to insure your 1999 Dodge Grand Caravan by repairing your credit.
  • Are females or males drivers cheaper? – Over the last 30 years, statistics show that females take fewer risks when driving. This data doesn’t prove that males are worse at driving than females. Women and men are in fender benders in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI). Male teenagers are the most expensive to insure so they pay the highest premiums.
  • Cars with good safety ratings mean better insurance coverage rates – Vehicles with high crash test scores tend to be cheaper to insure. These vehicles protect occupants better and reduced instances of injuries means your insurance company pays less and thus lower rates.
  • High comp and collision deductibles save money – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Dodge. Some examples of covered claims would be a broken windshield, damage from fire, and having your car stolen. The deductibles state the amount of money you are required to spend if a claim is determined to be covered. The more of the claim the insured is willing to pay, the less your company will charge you for insurance on Grand Caravan coverage.

When in doubt talk to an agent

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Does my policy pay for OEM or aftermarket parts?
  • Where can I find DUI or SR-22 insurance?
  • Can I drive in Mexico and have coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Why you might not save $405 a year

Respected companies like Geico, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to advertise the message that drivers will save a bundle if you change your policy. It sounds good, but how can they all offer you a better deal? This is how they do it.

Many companies have strict underwriting profiles for the type of customer that will generate a profit. An example of a profitable customer could be a female over age 40, owns a home, and drives a car with an anti-theft system. A propective insured who matches that profile is entitled to the best price and will save a lot of money.

People who don’t meet these standards must pay higher premiums and this results in the customer not buying. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can truthfully make claims like that.

Because of these techniques, you really should get a wide range of price quotes. Because you never know which car insurance company will have the best prices for your profile.

Insurance coverage considerations

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, pain medications, surgery, nursing services and doctor visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, medical expenses, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1999 Dodge Grand Caravan.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays for damage to your Grand Caravan resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, rolling your car, sideswiping another vehicle, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Best coverage at the best price

Budget-conscious 1999 Dodge Grand Caravan insurance is possible online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some companies don’t offer price quotes online and many times these small, regional companies work with local independent agents.

When getting auto insurance quotes online, make sure you don’t reduce coverage to reduce premium. In many cases, someone dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Consumers switch companies for a number of reasons such as policy non-renewal, an unsatisfactory settlement offer, lack of trust in their agent and high prices. It doesn’t matter why you want to switch switching companies can be pretty painless.

To learn more, take a look at the following helpful articles: