1993 Dodge Grand Caravan Insurance Rates

Trying to find the cheapest insurance for a Dodge Grand Caravan can be a lot of work, but you can use these tips to make it easier. There is a better way to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for a Dodge and get the lowest price from local insurance agents and online providers.

Why you might be paying too much to insure your Dodge Grand Caravan

It’s important that you understand the different types of things that help determine the price you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Better credit scores mean better rates – Your credit score is a important factor in calculating your car insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores. So if your credit is low, you could pay less to insure your 1993 Dodge Grand Caravan by repairing your credit.
  • Where do you drive? – The more miles you rack up on your Dodge every year the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Grand Caravan can result in significantly higher rates. Make sure your car insurance policy is showing how each vehicle is driven.
  • How’s your driving record? – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even one speeding ticket can bump up the cost forty percent or more. Drivers who have dangerous citations like DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Multiple policies with one company can save – Some companies give discounts to customers who consolidate policies with them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • Do you have enough liability coverage? – Liability insurance is the protection in the event that you are found liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Where you reside plays a part – Being located in a small town is a positive aspect when it comes to car insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities have to deal with more traffic problems and longer commutes to work. More time on the road translates into higher accident risk.
  • Men fork out a little more – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations like DUI and reckless driving.

Insurance Coverage Comparison Rates

Cutting your insurance coverage rates is not rocket science. Consumers just need to take the time getting comparison quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

  1. The fastest way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do repetitive form submissions for every insurance coverage company. A single, simple form compares rates from many national carriers. Just one form and you’re done.
  2. A less efficient way to compare rate quotes consists of visiting each individual company website to complete their respective quote request forms. For examples sake, we’ll pretend you want to compare rates from Geico, 21st Century and State Farm. To find out each rate you need to visit each site and enter your policy data, 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 least recommended way to get comparison rates is to spend time driving to local insurance agencies. Shopping for insurance coverage online eliminates the need for an insurance agent unless you require the trained guidance that only a license agent can provide. However, consumers can get prices online but still have the advice of a local agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you’re using exactly the same deductibles and coverage limits on every quote you get. If you are comparing different liability limits you will not be able to determine which rate is truly the best.

Get lower rates on 1993 Dodge Grand Caravan insurance

Companies that sell car insurance don’t always publicize all their discounts very well, so here is a list both well-publicized and the more hidden ways to save on insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Grand Caravan insurance than drivers with accidents.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Grand Caravan insurance.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Discount for Life Insurance – Some companies give better rates if you take out auto and life insurance together.
  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

Drivers should understand that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.

For a list of insurance companies with the best insurance discounts, click here to view.

Tailor your coverage to you

When buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions could help you determine whether you would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • Why am I required to buy liability insurance?
  • Am I covered when driving someone else’s vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my trailer covered?
  • Do I have coverage if my license is suspended?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need PIP coverage since I have good health insurance?
  • How can I get high-risk coverage after a DUI?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Coverages available on your policy

Having a good grasp of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like nursing services, dental work, prosthetic devices, ambulance fees and funeral costs. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This will cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, pain and suffering, repair bills for other people’s vehicles, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, rock chips in glass, fire damage and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Grand Caravan.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

Collision insurance covers damage to your Grand Caravan resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Shop smart and save

The cheapest 1993 Dodge Grand Caravan insurance can be purchased online as well as from independent agents, so you should compare both to have the best rate selection. A few companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

People leave their current company for a variety of reasons including extreme rates for teen drivers, poor customer service, denial of a claim and even an unsatisfactory settlement offer. Regardless of your reason, switching auto insurance companies can be easier than you think.

While you’re price shopping online, you should never buy poor coverage just to save money. In too many instances, drivers have reduced physical damage coverage only to regret that it was a big error on their part. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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