How Much Does 1996 Dodge Grand Caravan Insurance Cost?

Looking for cheaper auto insurance rates for your Dodge Grand Caravan? Finding cheaper insurance for your Dodge Grand Caravan can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to quote coverages for your Dodge and find the cheapest rates either online or from local insurance agents.

Smart consumers take time to check auto insurance prices before your policy renews because rates change quite often. If you had the best deal on Grand Caravan coverage a few years ago a different company probably has better rates today. You can find a lot of wrong information about auto insurance on the internet, so we’re going to give you some excellent ideas to put money back in your pocket.

Insurance Coverage Prices Online

Shopping for lower insurance coverage rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon talking to agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most of the larger companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each participating company can give them a price based on that data. This prevents consumers from doing quote forms to each individual insurance coverage company.

To find out how much you’re overpaying now click to open in new window.

The only downside to comparing rates this way is that you can’t choose which companies you want pricing from. So if you prefer to pick specific providers to compare, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using identical information on every quote you get. If you enter different limits and deductibles on each one it’s impossible to decipher which rate is best.

Your coverage should be tailored to you

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

• Are all vehicle passengers covered by medical payments coverage?
• Do I have newly-aquired coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I need an umbrella policy?
• Am I covered if my car is in a flood?
• Should I rate my 1996 Dodge Grand Caravan as pleasure use or commute?
• What is no-fault insurance?
• Am I covered when delivering products for my home-based business?
• Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a broken windshield and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This pays for damage to your Grand Caravan caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, crashing into a building, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for dental work, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

UM/UIM Coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by 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. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like legal defense fees, loss of income, attorney fees, structural damage and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.