1991 Dodge Grand Caravan Insurance Cost – 9 Discounts for Cheaper Prices

Looking for better insurance rates? Shoppers have a choice when shopping for the lowest priced Dodge Grand Caravan insurance. They can either waste time struggling with agents getting price quotes or use the internet to compare rates. There is a right way and a wrong way to find insurance online and we’ll show you the best way to get price quotes on a Dodge and find the best price possible.

Buying car insurance is not rocket science. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Drivers only need to know the most efficient way to compare rates online.

Don’t pay full price with these nine discounts

Companies that sell car insurance do not list every available discount very clearly, so we took the time to find both the well known and the harder-to-find insurance coverage savings. If you’re not getting every credit possible, you are throwing money away.

  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
  • Defensive Driving Course – Completing a driver safety course could save 5% or more if you qualify.
  • One Accident Forgiven – A few companies permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

Check with every prospective company what discounts are available to you. Discounts may not be available everywhere.

Misconceptions in insurance advertisements

Drivers get pounded daily by advertisements for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you switch your coverage to them.

How does each company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the type of customer that is profitable for them. For example, a driver they prefer could possibly be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A customer who meets those qualifications gets the lowest rates and therefore will save when they switch companies.

Drivers who do not match the requirements will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “people who quote” save that much money. That’s the way insurance companies can advertise the way they do. Because of the profiling, drivers should get a wide range of price quotes. Because you never know which insurance company will give you the biggest savings on Dodge Grand Caravan insurance.

Your personal situation dictates your coverage

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if you might need professional guidance.

  • Does liability extend to a camper or trailer?
  • How much liability do I need to cover my assets?
  • When should I not file a claim?
  • When can I cancel my policy?
  • Do I have newly-aquired coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Car insurance 101

Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like hospital visits, dental work and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from flooding, damage from a tornado or hurricane, theft and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage will cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like structural damage, medical services, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – This will pay to fix damage to your Grand Caravan 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 colliding with another moving vehicle, hitting a parking meter, crashing into a building, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

More choices the merrier

Discount 1991 Dodge Grand Caravan insurance can be bought both online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage and learned later that they should have had better coverage. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.

We just presented a lot of information how to get a better price on insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a smaller regional carrier.

Other learning opportunities