Lower Your 1994 Dodge Grand Caravan Insurance Quotes

Consumers have options when looking for the best price on Dodge Grand Caravan insurance. They can either spend hours driving around to compare prices or leverage the internet to get rate quotes.

There is a better way to find auto insurance online so you’re going to learn the absolute fastest way to quote coverages for a Dodge and get the lowest price from local insurance agents and online providers.

Quick Auto Insurance Quotes

There are several ways to compare Dodge Grand Caravan auto insurance quotes, and some are less labor-intensive and much quicker. You could waste time talking to agents in your area, or you could save time and use the web to maximize your effort.

Most of the larger companies take part in a program that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote based on that information. This prevents consumers from doing form submissions to every company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to comparing rates this way is you cannot specify which companies to receive prices from. So if you want to select specific providers to compare prices, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but make sure you use the exact same coverage limits for each comparison quote. If you use unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Cut your car insurance rates with discounts

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Some trigger automatically at the time of quoting, but a few need to be specifically requested before you get the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
No Accidents – Claim-free drivers can save substantially when compared with frequent claim filers.
Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
Memberships – Being a member of certain professional organizations could qualify you for a break when shopping for car insurance for Grand Caravan coverage.
Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Grand Caravan coverage than drivers with accidents.

It’s important to note that most credits do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will cut the cost of coverage.

To see a list of insurers offering car insurance discounts, click here.

You are unique and your insurance should be too

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether your personal situation will benefit from professional help.

How high should deductibles be on a 1994 Dodge Grand Caravan?
Am I covered when pulling a rental trailer?
Should I waive the damage coverage when renting a car?
Am I covered if I break a side mirror?
Should I buy only the required minimum liability coverage?
Does coverage extend to my business vehicle?
When should my teen driver be added to my policy?
Where can I find DUI or SR-22 insurance?
Am I covered if hit by an uninsured driver?
What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Educate yourself about insurance coverages

Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This 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, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage 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 protects against things like damage from getting keyed, falling objects, damage from flooding and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for doctor visits, hospital visits, pain medications, chiropractic care and dental work. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability

Liability coverage provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for 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. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage, funeral expenses and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This covers damage to your Grand Caravan from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.