Lower Your 1991 Dodge Caravan Insurance Cost

Searching for better insurance rates for your Dodge Caravan? Scraping up a payment for overpriced Dodge Caravan insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Popular companies such as Allstate, Liberty Mutual and State Farm persitently shower you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

It’s a good idea to get comparison quotes before your policy renews because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Caravan coverage on your last policy there is a good chance you can find better rates now. There is too much inaccurate information about insurance online but we’re going to give you the best ways to buy insurance cheaper.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Choosing the best insurance company for you is quite easy. But car owners must know the way insurance companies sell online and use this information to your advantage.

Best discounts on 1991 Dodge Caravan coverage

Companies offering auto insurance do not advertise every available discount very well, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Save over 55 – If you qualify as a senior citizen, you may receive better insurance coverage rates for Caravan coverage.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Caravan coverage than less cautious drivers.
  • Homeowners Savings – Owning a home can help you save on insurance coverage because owning a home requires personal responsibility.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance coverage policy, companies don’t profit that way.

For a list of companies who offer insurance coverage discounts, click here.

Compare the Market for Insurance

Performing a rate comparison can be a lot of work if you don’t know the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use online quoting to get prices fast.

All the larger companies take part in a program that enables customers to enter their coverage request one time, and every company returns a rated price based on that data. This saves time by eliminating quote forms for every insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of system is buyers cannot specifically choose the companies you want pricing from. So if you want to choose from a list of companies to compare, we put together a list of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare apples-to-apples coverages and limits with each company. If you are comparing different deductibles you will not be able to make an equal comparison. Slightly different insurance coverages can result in a big premium difference. And when comparing insurance rates, know that having more price comparisons will increase your chances of finding the best offered rates.

Tailor your coverage to you

When it comes to choosing coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Is extra glass coverage worth it?
  • Do I have coverage if my license is suspended?
  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage when using my vehicle for my home business?
  • At what point should I drop full coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance policy coverages for a 1991 Dodge Caravan

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by auto insurance companies.

Liability insurance

This provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, attorney fees, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Caravan.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as chiropractic care, dental work, X-ray expenses and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, a broken windshield and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

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

Collision coverage protects against claims such as colliding with another moving vehicle, colliding with a tree, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

You can do this!

Budget-conscious 1991 Dodge Caravan insurance can be sourced both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance coverage companies don’t offer online price quotes and these regional insurance providers work with independent agents.

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where an insured cut liability coverage limits only to regret at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

You just read many ways to get a better price on insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

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