How Much Does 1996 Dodge Grand Caravan Insurance Cost?

Looking for better insurance rates for your Dodge Grand Caravan? Shopping for the most affordable insurance over the internet is intimidating for people who are new to price shopping online. Because there are so many insurance companies available, how can consumers effectively compare every one to find the cheapest available price?

These factors can influence what you pay for Dodge Grand Caravan insurance

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for insurance. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to better insurance rates.

  • Older drivers pay less – Young drivers tend to get distracted easily in a vehicle so insurance rates are higher. Mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
  • High credit ratings translate to low rates – A driver’s credit rating is a important factor in your rate calculation. People with excellent credit tend to be more responsible than drivers who have lower ratings. If your credit rating can use some improvement, you could pay less to insure your 1996 Dodge Grand Caravan by repairing your credit.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations such as doctors, architects and stock brokers tend to pay the highest rates due to high stress levels and long work hours. On the other hand, jobs such as scientists, students and homemakers have the lowest average rates for Grand Caravan insurance.
  • Never allow your policy to lapse – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Your spouse saves you money – Having a wife or husband can get you a discount on your policy. Marriage translates into being more mature and responsible and it’s proven that being married results in fewer claims.
  • Too many insurance claims drive up costs – Insurance companies give cheaper rates to people who do not rely on their insurance for small claims. If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • More people means more accidents – Residing in a small town has it’s advantages when talking about insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. City drivers have congested traffic and longer commute times. More time commuting means higher likelihood of an accident.
  • Extra add-on coverages are wasting money – There are a ton of extra coverages you can purchase when buying insurance. Coverages for personal injury protection, better glass coverage and motor club memberships may be wasting your money. They may seem good at first, but if you don’t need them eliminate them to save money.

Cut your insurance coverage rates with discounts

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but less common discounts must be manually applied in order for you to get them.

  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of more than 20%.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Lower Rates for Military – Having a deployed family member can result in better rates.

It’s important to understand that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. Any amount of discount will bring down your overall premium however.

To see a list of providers who offer insurance coverage discounts, click here.

You are unique and your car insurance should be too

When it comes to choosing coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you may require specific advice.

  • Is my state a no-fault state?
  • Should I get collision insurance on every vehicle?
  • Am I better off with higher deductibles on my 1996 Dodge Grand Caravan?
  • Is a new car covered when I drive it off the dealer lot?
  • Are split liability limits better than a combined single limit?
  • Can I make deliveries for my home business?
  • What can I do if my company won’t pay a claim?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance 101

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Dodge Grand Caravan.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, ambulance fees and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, damage from getting keyed, hail damage, damage from flooding and falling objects. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance – This coverage will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as bail bonds, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Buy online or local, you save

When shopping online for insurance, never sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that it was a big error on their part. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, policy non-renewal or even high rates after DUI convictions. Regardless of your reason, choosing a new company is not as difficult as it may seem.

Discount 1996 Dodge Grand Caravan insurance is possible both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

To learn more, link through to the articles below: