How Much Does 1997 Dodge Caravan Insurance Cost?

Want cheaper car insurance rates for your Dodge Caravan? Trying to find cheaper insurance for your Dodge Caravan can normally be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to buy car insurance and you need to know the proper way to quote coverages for a new or used Dodge and find the cheapest rates either online or from local insurance agents.

Smart consumers take time to take a look at other company’s rates on a regular basis because insurance rates are usually higher with each renewal. Even if you got the best price for Caravan insurance last year there is a good chance you can find better rates now. So just block out anything you think you know about car insurance because you’re going to learn the only way to save on car insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can learn to find the best rates and still get good coverage. Drivers only need an understanding of the most effective way to buy insurance coverage over the internet.

Insurance Prices

Effectively comparing insurance prices can be a daunting task if you don’t know the best way to get rate quotes. You could waste time talking to insurance agencies in your area, or you can utilize online quoting to maximize your effort.

The majority of car insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company returns a rated price based on that information. This saves time by eliminating quote forms for each company.

To use this form to compare 1997 Dodge Caravan insurance rates click here (opens in new window).

The single downside to doing it this way is that you can’t choose which insurance companies you will receive quotes from. So if you want to select specific providers to compare, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but double check that you are using exactly the same quote information with every price quote. If you compare mixed coverages then you won’t be able to truly determine the lowest rate.

What coverages do I need?

When it comes to choosing the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions can help discover if you might need an agent’s assistance.

• Do all my vehicles need collision coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Am I insured when driving a different vehicle?
• Am I covered if my car is in a flood?
• Who is covered when they drive my 1997 Dodge Caravan?
• Which is better, split liability limits or combined limits?
• Why do I need rental car insurance?
• Is my camper covered by my car insurance policy?
• What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverage options for a Dodge Caravan

Understanding the coverages of your car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance – Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, chiropractic care and doctor visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from flooding, damage from getting keyed, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – This pays for damage to your Caravan from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Caravan.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability car insurance – This will cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, bail bonds, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.