Lower Your 1996 Dodge Caravan Insurance Quotes

Trying to find the cheapest insurance for a Dodge Caravan can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are more efficient ways to find insurance online and you need to know the quickest way to price shop coverage for your Dodge and get the cheapest rates from both online companies and local agents.

It’s smart to price shop coverage every six months due to the fact that insurance rates fluctuate regularly. Despite the fact that you may have had the lowest price on Caravan insurance a few years ago there may be better deals available now. Starting right now, block out anything you think you know about insurance because you’re about to learn how to use online quotes to lower your annual insurance bill.

Choosing the best insurance company for you is not rocket science. If you are insured now or are looking for a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Consumers only need an understanding of the proper methods to shop for auto insurance online.

Discounts are available to cut your rates

Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Good Student – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% on Caravan insurance with certain companies.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

A partial list of companies who might offer these money-saving discounts include:

It’s a good idea to ask each insurance company how you can save money. Savings may not be available in every state.

Why your Dodge Caravan might be costing you more

It’s important that you understand some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that can help you get big savings.

  • The more you drive the more you pay – The more miles you rack up on your Dodge in a year the higher your rates will be. Most insurance companies rate vehicles determined by how the vehicle is used. Autos left parked in the garage can get a lower rate compared to those used for work or business. Having the wrong rating on your Caravan can result in significantly higher rates. Make sure your auto insurance policy is rated on how each vehicle is driven, because it can save money.
  • Better credit scores mean better rates – Having a bad credit history is a big factor in determining what you pay for auto insurance. If your credit score is not that good, you could save money insuring your 1996 Dodge Caravan by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure than those with lower credit scores.
  • Too many auto insurance claims drive up costs – If you file claims often, you can expect either higher rates or even cancellation. Car insurance companies award better rates to policyholders who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Don’t buy coverages you don’t need – There are many extra bells and whistles you can purchase when buying auto insurance. Coverages for vanishing deductibles, better glass coverage and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Marriage pays dividends – Having a spouse helps lower the price on your auto insurance policy. Having a significant other translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Your job and insurance rates – Occupations like lawyers, executives and accountants have higher rates than average because of high stress and long work days. On the flip side, occupations such as actors, athletes and retirees get better rates on Caravan insurance.

Everyone needs different coverages

When buying the best insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions may help highlight whether your personal situation may require specific advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • How does medical payments coverage work?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • What discounts do I qualify for?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance 101

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance – This will cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others, 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. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, loss of income, repair bills for other people’s vehicles, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1996 Dodge Caravan.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like dental work, pain medications, rehabilitation expenses, funeral costs and nursing services. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

At the end of the day…

Drivers leave their current company for any number of reasons including an unsatisfactory settlement offer, denial of a claim, lack of trust in their agent or high rates after DUI convictions. Whatever your reason, choosing a new insurance company can be pretty painless.

Discount 1996 Dodge Caravan insurance is attainable from both online companies 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 you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We’ve covered a lot of information how to lower your insurance rates. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with some of the lesser-known companies.

More detailed auto insurance information is located at these sites: