How Much Does 1990 Dodge Caravan Car Insurance Cost?

Looking for cheaper auto insurance rates? Shoppers have many options when shopping for the best price on Dodge Caravan insurance. They can either spend hours calling around to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to quote coverages for a Dodge and obtain the lowest price from both online companies and local agents.

These factors can influence what you pay for Dodge Caravan insurance

It’s important that you understand the different types of things that go into determining insurance coverage rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Listed below are some of the factors used by your company to calculate premiums.

  • Traffic violations increase rates – Just one speeding ticket can increase rates by twenty percent. Good drivers receive lower rates compared to drivers with tickets. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both tend to get into accidents at a similar rate, but men have costlier accidents. Men also receive more costly citations like reckless driving and DUI. Young males are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Your job and insurance rates – Jobs such as lawyers, architects and dentists have the highest average rates because of high stress and lots of time spent at work. Other occupations such as farmers, historians and the unemployed get better rates on Caravan insurance.
  • More miles equals more premium – The higher the mileage driven in a year the higher your rate. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your insurance coverage declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your Caravan can cost quite a bit.
  • Where you live – Being located in small towns and rural areas can save you money when it comes to insurance coverage. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents and a lower car theft rate.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. Safer cars have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Dodge is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Never let your coverage lapse – Allowing your insurance coverage policy to lapse will be a guaranteed way to pay more for insurance coverage. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a license revocation or jail time.
  • Theft deterrents lower rates – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

Which Auto Insurance is Cheapest?

There are several ways to compare Dodge Caravan auto insurance prices but one way is more efficient than others. You can spend your afternoon talking to insurance companies in your area, or you can utilize online quoting to get prices fast.

Many companies participate in a marketplace where insurance shoppers send in one quote, and each company can give them a price for coverage. This eliminates the need for repetitive form submissions to each company.

To compare 1990 Dodge Caravan rates now click here to start a free quote.

The one disadvantage to comparing rates this way is buyers cannot specifically choose the providers you want to price. If you wish to select from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverage information for every company. If you enter differing limits you will not be able to find the best deal for your Dodge Caravan.

Discounts can save BIG

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied at quote time, but a few need to be manually applied prior to receiving the credit. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Resident Student – Kids in college who live away from home and do not have a car may be able to be covered for less.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Caravan insurance with select insurance companies.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. But any discount will cut the amount you have to pay.

Car insurance companies who might offer some of the above discounts include:

Check with each insurance company which discounts you may be entitled to. Some discounts might not apply in your state.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your situation might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when making deliveries for my home business?
  • Why am I required to buy high-risk coverage?
  • Do I need more liability coverage?
  • Am I insured when driving a different vehicle?
  • Does my car insurance cover rental cars?
  • Is my teen driver covered when they drive my company car?
  • Are my friends covered when driving my 1990 Dodge Caravan?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Having a good grasp of a car insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability – This protects you from damage that occurs to a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical expenses, court costs, medical services and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from getting keyed, a tree branch falling on your vehicle, fire damage and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like dental work, X-ray expenses, nursing services and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays for damage to your Caravan caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, crashing into a building, driving through your garage door, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

In Summary

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, delays in paying claims, policy non-renewal and even not issuing a premium refund. It doesn’t matter what your reason, finding the right car insurance provider can be less work than you think.

Discount 1990 Dodge Caravan insurance is definitely available from both online companies in addition to many insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone sacrificed liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

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