1991 Dodge Grand Caravan Insurance Cost – 10 Tips to Save

Searching for the cheapest auto insurance rates for your Dodge Grand Caravan? Are you tired of being strong-armed to buy car insurance? You are in the same boat as most other car owners.

Many auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the lowest rate possible.

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Choosing the best insurance company for you is not that difficult. But drivers do need to understand how big insurance companies sell insurance online.

Save on Dodge Grand Caravan insurance

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. A few discounts will automatically apply at quote time, but some may not be applied and must be manually applied in order for you to get them.

  • Early Switch Discount – Some companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Homeowners Savings – Owning a home can help you save on insurance because maintaining a house demonstrates responsibility.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Grand Caravan coverage than drivers with accidents.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Discount for Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge can qualify you for a substantially lower rate.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.

Insurance companies that possibly offer these money-saving discounts are:

It’s a good idea to ask each company what discounts are available to you. Some discounts might not be offered in your state.

Tailor your coverage to you

When choosing the best auto insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is a fancy paint job covered?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I crash into my own garage door?
  • Does my insurance cover my expensive audio equipment?
  • Where can I get insurance after a DUI in my state?
  • Should I put collision coverage on all my vehicles?
  • At what point should I drop full coverage?
  • Should I rate my 1991 Dodge Grand Caravan as pleasure use or commute?
  • How high should deductibles be on a 1991 Dodge Grand Caravan?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance 101

Knowing the specifics of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Medical expense coverage

Med pay and PIP coverage pay for expenses for EMT expenses, rehabilitation expenses, pain medications, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as court costs, bail bonds, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, theft and damage from flooding. The most 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 probably time to drop comprehensive insurance.

Coverage for collisions

This coverage will pay to fix damage to your Grand Caravan resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Compare but don’t skimp

The cheapest 1991 Dodge Grand Caravan insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage and found out when filing a claim that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best price, not the least amount of coverage.

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