2008 Dodge Grand Caravan Insurance Rates – 6 Tricks for Cheapest Quotes

If you’ve never shopped for insurance quotes online, you can be bewildered by the sheer number of insurance providers all promising to save you money.

It’s smart to get comparison quotes on a regular basis because insurance prices are constantly changing. If you had the best rate for Grand Caravan insurance a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to teach you the proper way to reduce your cost while increasing coverage.

If you currently have car insurance, you will be able to lower your premiums substantially using this information. This information will tell you the best way to quote coverages. Nevertheless, vehicle owners must know how insurance companies market insurance on the web.

The quickest way to compare rate quotes is to take advantage of the fact all the major auto insurance companies will pay a fee to provide you with free rate quotes. The only thing you need to do is provide details such as whether you have decent credit, the year, make and model of vehicles, whether your vehicle is owned or leased, and daily mileage. Your details gets sent immediately to many of the top insurers and you receive quotes instantly.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • When would I need rental car insurance?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I drive in a foreign country?
  • I have health insurance so do I need medical payments coverage?
  • Is upholstery damage covered by car insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages 101

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

Collision coverage will pay to fix damage to your Grand Caravan resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, rolling your car, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, rock chips in glass, theft and falling objects. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged 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 insurance covers claims like attorney fees, medical services, emergency aid, funeral expenses and bail bonds. How much coverage you buy is up to you, but consider buying as much as you can afford.