1990 Dodge Caravan Insurance Quotes

Want lower insurance coverage rates for your Dodge Caravan? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us, you’re not the only one. Consumers have many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, too many choices makes it more difficult to find a good deal.

Smart consumers take time to compare prices yearly due to the fact that insurance rates are variable and change quite frequently. Just because you found the best deal on Caravan insurance six months ago you may be paying too much now. Starting now, forget anything you know (or think you know) about insurance coverage because you’re about to learn the only way to save money, get proper coverage and the best rates.

The purpose of this post is to instruct you on how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Vehicle owners just need to know the most effective way to compare prices over the internet.

Automobile Insurance Quotes

There are a variety of methods to shop for 1990 Dodge Caravan auto insurance, but one way is less labor-intensive and much quicker. You could spend your day driving to agents in your area, or you can utilize online quoting to get pricing more quickly.

Many companies enroll in a system where prospective buyers submit their information once, and every company provides a quote for coverage. This system prevents you from having to do repetitive form submissions to every company.

To compare pricing click here (opens in new window).

The only downside to using this type of system is you can’t choose which insurance companies to receive prices from. So if you want to select from a list of companies to compare prices, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

However you get your quotes, double check that you are using apples-to-apples coverage limits and deductibles for every company. If your comparisons have differing limits it will be next to impossible to determine the best price for your Dodge Caravan.

Dodge Caravan insurance rates consist of many parts

It’s important that you understand the rating factors that go into determining insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

Listed below are some of the items that factor into premiums.

  • One company can mean more discounts – The majority of insurers provide better rates to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even with this discount, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Little extras can really add up – There are many extra coverages that can waste your money on your insurance policy. Things like roadside assistance, accident forgiveness and additional equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them from your policy.
  • Low deductibles can be expensive – The deductibles represent how much money you are required to spend out-of-pocket before your insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, vandalism, and burglary. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance on Caravan insurance.
  • Safer occupants lowers premiums – Safer cars tend to have better insurance rates. The safest vehicles reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If the Dodge Caravan scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • More miles equals more premium – Driving more miles in a year the higher your rate. Most companies rate vehicles based on their usage. Autos left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your insurance coverage is showing the proper vehicle usage. If your policy improperly rates your Caravan may be wasting your money.

Save big with these discounts

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be requested specifically before you will receive the discount. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Bundle and Save – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Claim Free – Drivers who don’t have accidents pay much less compared to drivers who are more careless.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Caravan insurance than less cautious drivers.

Consumers should know that some credits don’t apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will cut your premiums.

For a list of insurance companies with the best auto insurance discounts, click this link.

But I don’t know anything about car insurance

When it comes to choosing coverage, there is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • Should I bundle my homeowners policy with my auto?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Can my teen drive my company car?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance coverages and their meanings

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Collision protection

This covers damage to your Caravan caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, crashing into a ditch, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Dodge Caravan.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers 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 things like hitting a deer, fire damage, damage from a tornado or hurricane, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

This provides protection from damage that occurs to a person or their property. It protects YOU from claims by other people. Liability 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 liability limits of 25/50/25 that translate to 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. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, medical services, funeral expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like hospital visits, rehabilitation expenses, EMT expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

One last thing about your coverage

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability coverage limits to discover at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Affordable 1990 Dodge Caravan insurance can be found from both online companies and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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