View 1995 Dodge Caravan Car Insurance Rates

Want better insurance rates for your Dodge Caravan? Paying for high-priced Dodge Caravan insurance can empty your personal savings and make it impossible to make ends meet. Shopping your coverage around is a smart way to cut your insurance bill.

Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

Smart consumers take time to compare rates before your policy renews because insurance rates are rarely the same from one policy term to another. Even if you got the best deal for Caravan insurance a year ago there may be better deals available now. Starting right now, block out anything you think you know about insurance because you’re going to learn the quickest way to find better rates and still maintain coverage.

How to Get Cheap Insurance

There are a lot of ways you can shop for insurance but there is one way that is more efficient than others. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where prospective buyers enter their policy data once, and at least one company returns a competitive quote based on the submitted data. This system prevents you from having to do quote forms for each company.

To find out what other companies charge for 1995 Dodge Caravan insurance click here (opens in new window).

The one downside to comparing rates this way is you can’t choose the providers to get pricing from. So if you want to select specific insurance companies to receive pricing from, we have a listing of insurance companies in your area. Click to view list.

Which method you use is up to you, but ensure you’re using the exact same coverage limits and deductibles on every quote you get. If you compare higher or lower deductibles it’s impossible to make an equal comparison. Just a small difference in limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes provides better odds of finding a lower rate.

Different people need different coverages

When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine whether or not you may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I get collision insurance on every vehicle?
  • Do I pay less for low miles?
  • Does having multiple vehicles earn me a discount?
  • Are split liability limits better than a combined single limit?
  • How does medical payments coverage work?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance policy specifics

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Collision coverage protection

Collision coverage pays for damage to your Caravan resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others, and doesn’t 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 policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for things like rehabilitation expenses, X-ray expenses, prosthetic devices, pain medications and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down 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 coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, a tree branch falling on your vehicle, a broken windshield, hitting a bird and vandalism. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists 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 carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.