2001 Dodge Caravan Car Insurance Quotes

There isn’t anyone who loves paying for auto insurance, particularly when the prices are way too high.

Vehicle owners have multiple auto insurance companies to choose from, and even though it’s nice to have a selection, too many choices makes it more difficult to locate the cheapest rates.

It is always a good idea to quote other rates before your policy renews due to the fact that insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rate on Caravan insurance a year ago a different company probably has better premium rates today. Ignore everything you know about auto insurance because we’re going to demonstrate the best methods to find the best coverage while lowering your premiums.

Insurance coverage companies offer many discounts

Companies don’t necessarily list every discount they offer in a way that’s easy to find, so the list below gives a summary of a few of the more well known and the harder-to-find credits that you can use to lower your rates. If you do not double check each discount available, it’s possible you qualify for a lower rate.

  • Save with a New Car – Putting insurance on a new car can save you some money due to better safety requirements for new model year vehicles.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get a discount up to 10% on Caravan insurance.
  • Smart Student Discounts – Being a good student could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
  • Full Payment Discount – By making one initial payment instead of paying each month you may have a lower total premium amount.
  • Home Ownership Discount – Simply owning a home may trigger a policy discount on insurance coverage since owning and maintaining a home is proof of financial responsibility.
  • Claim Free – Insureds who avoid accidents and claims can earn big discounts when compared with policyholders that have many claims.
  • Seat Belt Discounts – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Service Members Pay Less – Being on active duty in the military could qualify you for better insurance coverage rates.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.

While discounts sound great, it’s important to understand that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, companies don’t profit that way.

A few popular companies and a selection of discounts are included below.

  • State Farm offers discounts including passive restraint, safe vehicle, driver’s education, Steer Clear safe driver discount, multiple autos, student away at school, and Drive Safe & Save.
  • Nationwide has discounts for accident-free, good student, anti-theft, defensive driving, easy pay, multi-policy, and Farm Bureau membership.
  • Geico offers discounts for driver training, multi-policy, daytime running lights, defensive driver, good student, membership and employees, and anti-lock brakes.
  • AAA may include discounts for good driver, education and occupation, multi-car, multi-policy, anti-theft, good student, and pay-in-full.
  • 21st Century policyholders can earn discounts including student driver, anti-lock brakes, homeowners, early bird, air bags, driver training, and 55 and older.
  • The Hartford may have discounts that include anti-theft, air bag, defensive driver, good student, and vehicle fuel type.

It’s a good idea to ask every prospective company which discounts they offer. Some discounts listed above may not apply to policyholders in your area. For a list of insurance coverage companies that can offer you the previously mentioned discounts, click here.

Which car insurance is cheapest?

To find affordable car insurance quotes, there are several ways to compare rate quotes from companies that offer car insurance in your state. By far the easiest way to comparison shop is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

One of the best ways to get quotes is an all-inclusive rate comparison click here to open form in new window. This type of form saves time by eliminating multiple quote forms for every car insurance company. In just a few minutes this one form will get you price quotes from all major companies.

A more time consuming way to compare rate quotes is to manually visit each company’s website and fill out their own quote form. For example, we’ll pretend you need rates from Auto-Owners, Farmers and Progressive. To do that, you would have to take the time to go to each site to enter the same coverage data repeatedly, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but make sure you are using identical deductibles and coverage limits on every quote you get. If you compare different limits and deductibles on each one it’s impossible to determine which rate is truly the best. Even a minor difference in coverage limits can make a big difference in price. It’s important to know that comparing a wide range of rates helps increase your odds of locating more affordable rates. Some insurance companies are not set up to provide online quotes, so you also need to get quotes on coverage from those companies, too.

Do I just need basic coverages?

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

  • What is the rate difference between pleasure use and commuting?
  • Does medical payments coverage apply to all occupants?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How do I file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are rental cars covered under my policy?
  • Can I get a multi-policy discount?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.

Liability

This coverage protects you from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as funeral expenses, bail bonds and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like prosthetic devices, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive car insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

Collision coverage covers damage to your Caravan caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Caravan.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

In any little way, save everyday

Throughout this article, we presented many ideas to get a better price on 2001 Dodge Caravan insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your auto insurance rates. Drivers may discover the biggest savings come from a smaller regional carrier. They often have lower auto insurance rates on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

Budget-friendly car insurance can be bought both online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide internet price quotes and these small, regional companies provide coverage only through local independent agents.

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