1993 Dodge Caravan Car Insurance Rates

Trying to find cheaper car insurance rates? Buyers have options when searching for the lowest priced Dodge Caravan insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the best way to quote coverages for your Dodge and get the cheapest rates.

Consumers should take time to check car insurance prices periodically because rates change regularly. Even if you think you had the best price on Caravan insurance last year you can probably find a lower rate today. So forget anything you know (or think you know) about car insurance because I’m going to teach you the only way to properly buy coverages and cut your premium.

Insurance Coverage Comparison Rates

There are a lot of ways to compare insurance coverage prices and some are easier and takes less work. You could waste time talking to agents in your area, or you could save time and use the web to get prices fast.

Most car insurance companies participate in an industry program that allows shoppers to complete one form, and each participating company provides a quote based on that information. This eliminates the need for form submissions to each individual insurance coverage company. To compare pricing click to open in new window.

The only drawback to using this type of form is buyers cannot specifically choose which insurance companies you will receive quotes from. If you wish to select specific providers for rate comparison, we put together a list of insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare exactly the same information for every company. If your comparisons have mixed coverages it’s impossible to determine which rate is truly the best.

Drivers who switch save $395 a year? Really?

Drivers get pounded daily by advertisements for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all make an identical promise that you’ll save big if you switch your policy.

How can each company say the same thing? It’s all in the numbers.

All companies are able to cherry pick for the type of customer that earns them a profit. An example of a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who don’t meet the requirements will have to pay higher rates which usually ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can claim big savings. Because of the profiling, it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict the company that will have the lowest Dodge Caravan insurance rates.

Save money by taking advantage of these discounts

Auto insurance companies do not advertise all their discounts in a way that’s easy to find, so the following is a list of some of the more common as well as the least known auto insurance savings. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Low Mileage Discounts – Fewer annual miles on your Dodge can qualify you for better rates on cars that stay parked.
  • Student in College – Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Caravan insurance.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.

Car insurance companies that may offer these money-saving discounts include:

Check with each insurance company what discounts are available to you. Discounts may not apply in your area.

When should I use an insurance agent?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions may help highlight whether you might need an agent’s assistance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

Coverages available on your policy

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for EMT expenses, doctor visits and pain medications. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, scraping a guard rail, rolling your car, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.


Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like court costs, medical services, medical expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Quote more. Save more.

People switch companies for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, an unsatisfactory settlement offer or even not issuing a premium refund. It doesn’t matter what your reason, finding the right auto insurance provider can be easy and end up saving you some money.

We just covered many ideas to compare 1993 Dodge Caravan insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Consumers may even find the best prices are with an unexpected company.

Cheap insurance is definitely available both online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Helpful articles