How Much Does 1991 Dodge Caravan Insurance Cost?

Searching for better insurance coverage rates for your Dodge Caravan? Purchasing low-cost insurance coverage online can be problematic for consumers new to buying insurance on the web. Because there are so many companies competing online, how can consumers possibly compare them all to find the cheapest available price?

It’s a good habit to compare rates yearly because rates change quite often. Even if you think you had the best rates for Caravan insurance a couple years back a different company probably has better rates today. So just block out anything you think you know about insurance coverage because you’re about to learn the fastest and easiest way to reduce your cost while increasing coverage.

Insurance Coverage Prices Online

The are a couple different ways of comparing rates from insurance coverage companies in your area. The simplest method to compare 1991 Dodge Caravan insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  1. One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do boring form submissions for each company you want a rate for. In just a few minutes this one form gets rate comparisons from several companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to get comparison quotes requires visiting the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from Liberty Mutual, Allstate and Farmers. You would have to go to every website and enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way of comparing rate quotes is to drive around to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional advice of a local agent. It is possible to comparison shop online and get advice from an agent in your area. We’ll cover that shortly.

Whichever method you choose, make darn sure you compare the exact same information on every quote. If you are comparing different liability limits you can’t possibly make an equal comparison. Just a small difference in coverages may result in large price differences. And when price shopping your coverage, comparing more company’s prices provides better odds of finding lower pricing.

How much can you save with discounts?

Car insurance companies don’t always advertise every available discount very well, so we researched some of the best known as well as the least known savings tricks you should be using.

  • Distant Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
  • Safety Course Discount – Successfully completing a driver safety course can save you 5% or more if your company offers it.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Caravan insurance than drivers with accidents.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount – Larger companies have a discount if you purchase auto and life insurance together.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Caravan insurance depending on your company.
  • Low Mileage Discounts – Fewer annual miles on your Dodge can qualify you for discounted rates on garaged vehicles.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies with the best insurance discounts, follow this link.

Dodge Caravan insurance rates are influenced by…

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • Your job and insurance rates – Careers like judges, social workers and dentists are shown to have the highest average rates because of stressful work requirements and long work days. Other occupations like pilots, historians and retirees pay the least for Caravan insurance.
  • Extra coverages can waste money – There are quite a few add-on coverages that can waste your money on your Caravan policy. Insurance for roadside assistance, accident forgiveness and term life insurance may be costing you every month. These coverages may sound good initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Traffic violations increase rates – Drivers with clean records receive lower rates than bad drivers. Just one ticket may increase your cost twenty percent or more. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Don’t let your coverage lapse – Not having insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.

How much car insurance do I need?

When choosing coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

  • Does my 1991 Dodge Caravan need full coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is rental equipment covered for theft or damage?
  • Can I afford to buy a different vehicle if my 1991 Dodge Caravan is totaled?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is roadside assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Do all my vehicles need collision coverage?
  • Who is covered when they drive my 1991 Dodge Caravan?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Auto collision coverage

This coverage covers damage to your Caravan resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage protects you from injuries or damage you cause to other people or property. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, pain and suffering, emergency aid, medical expenses and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Dodge Caravan.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird, a tree branch falling on your vehicle, vandalism and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like chiropractic care, funeral costs, surgery, X-ray expenses and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Saving money is sweet as honey

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. Too many times, an insured dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

People switch companies for many reasons like questionable increases in premium, denial of a claim, extreme rates for teen drivers or even not issuing a premium refund. No matter why you want to switch, choosing a new insurance company can be less work than you think.

Affordable 1991 Dodge Caravan insurance can be found on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Much more information about insurance is available on the following sites: