2006 Dodge Grand Caravan Insurance Quotes – 7 Tips for Best Rates

I can’t think of a single person who likes having to buy insurance, especially knowing their premiums are too high.

Consumers have many insurance companies to purchase coverage from, and although it’s nice to have a selection, it makes it harder to find the best rates.

It’s a good habit to price shop coverage yearly because rates change frequently. If you had the lowest rates for Grand Caravan insurance a couple years back you can probably find a lower rate today. There is a lot of wrong information about insurance online, so with this article, you’re going to get some solid techniques on how to save money.

Pay less by taking advantage of these seven discounts

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we break down some of the more common and the harder-to-find auto insurance savings.

  • Government Employees – Simply working for the federal government could cut as much as 10% off for Grand Caravan insurance depending on your company.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates on your policy for Grand Caravan insurance.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better auto insurance rates for Grand Caravan insurance.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance because of the fact that having a home requires personal responsibility.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask each company what discounts are available to you. Savings may not apply everywhere.

Beware of misleading insurance ads

Insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to make an identical promise that you’ll save big if you change your coverage to them. How do they all make the same claim? This is how they do it.

Different companies can use profiling for the right customer that makes them money. A good example of a desirable insured might be between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. Any driver who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Consumers who fall outside the requirements must pay a more expensive rate which leads to the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much. That is how companies can truthfully advertise the savings. This illustrates why drivers should get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings on Dodge Grand Caravan insurance.

Your coverage should be tailored to you

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Am I covered if my car is in a flood?
  • Is my camper covered by my car insurance policy?
  • Does coverage extend to Mexico or Canada?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I waive the damage coverage when renting a car?
  • How high should my medical payments coverage be?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Information about specific coverages

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for doctor visits, hospital visits, EMT expenses, prosthetic devices and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Dodge Grand Caravan.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Auto liability

Liability coverage protects you from damage that occurs to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like court costs, pain and suffering, loss of income, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, damage from getting keyed and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage will pay to fix damage to your Grand Caravan resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, crashing into a building, crashing into a ditch, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Save your hard earned cash

Discount 2006 Dodge Grand Caravan insurance is attainable both online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Throughout this article, we presented a lot of ways to save on insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest priced insurance comes from a small mutual company. These companies may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

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