Lower Your 1997 Dodge Caravan Insurance Rates

Trying to find better insurance rates for your Dodge Caravan? Paying for high-priced Dodge Caravan insurance can drain your savings account and force you to make sacrifices. Comparison shopping is a smart way to help make ends meet.

Consumers have many insurers to buy insurance from, and though it is a good thing to have a choice, it can be more difficult to compare rates.

Consumers should take time to price shop coverage yearly because insurance rates fluctuate regularly. Even if you think you had the best deal for Caravan insurance a few years ago a different company probably has better rates today. You can find a lot of wrong information about insurance online but we’re going to give you a lot of great tips on how to find cheap insurance.

Locating cheaper protection is not that difficult. Basically, every driver who buys insurance will more than likely be able to save money. Although consumers benefit from understanding the way insurance companies market insurance on the web and take advantage of how the system works.

Quick Car Insurance Quotes

When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The quickest method to compare 1997 Dodge Caravan insurance prices is to use the internet to compare rates. This can be accomplished in several different ways.

  1. One of the best ways to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate quote forms to each individual car insurance company. A single form compares rates from car insurance companies with the best prices.
  2. A harder way to compare prices is spending the time to visit the website of each company to request a price quote. For sake of this example, let’s say you want rates from USAA, Liberty Mutual and American Family. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The hardest way to get comparison rates is to spend time driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you want the trained guidance that only a license agent can provide. You can, however, price shop your coverage online and get advice from an agent in your area and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverage information with every price quote. If you are comparing different liability limits it’s not possible to make an equal comparison. Just a small difference in limits may result in a large different in cost. And when comparing car insurance rates, know that more quotes gives you a better chance of getting the best offered rates.

Slick advertising tricks that work

Insurance companies such as State Farm, Geico and Progressive constantly bombard you with ads on TV and radio. They all seem to say the same thing that you’ll save big if you switch your coverage to them. How does each company make the same claim? It’s all in the numbers.

All companies can use profiling for the type of customer that makes them money. For example, a desirable insured could be between 25 and 40, has no prior claims, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile will be quoted higher premiums and this can result in the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently make those claims.

This emphasizes why you need to get as many quotes as possible. It’s not possible to predict which insurance company will give you the biggest savings on Dodge Caravan insurance.

Do you qualify for a discount?

Insuring your fleet can be pricey, but companies offer discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but some must be specially asked for before they will apply.

  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • Claim Free – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Paperless Signup – Some insurance companies will give a small break simply for signing over the internet.
  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates on your policy for Caravan insurance.
  • Government Employees – Simply working for the federal government may qualify you for a discount for Caravan insurance with a few insurance companies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Low Mileage Discounts – Fewer annual miles on your Dodge could qualify for a substantially lower rate.
  • Multiple Policy Discount – If you have multiple policies with one company you will save at least 10% off all policies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous. But all discounts will cut the cost of coverage.

Insurance companies that possibly offer these benefits are:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts might not apply everywhere.

What coverages do I need?

When buying the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if your situation will benefit from professional help.

  • Does my 1997 Dodge Caravan need full coverage?
  • Is my babysitter covered when using my vehicle?
  • Should I sign the liability waiver when renting a car?
  • Do I need rental car coverage?
  • What exactly is covered by my policy?
  • What if I total my 1997 Dodge Caravan and owe more than it’s worth?
  • Where can I get insurance after a DUI in my state?
  • Does having multiple vehicles earn me a discount?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I getting all the discounts available?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Specific coverages for a 1997 Dodge Caravan

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Dodge Caravan.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, fire damage, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

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

Collision coverage protects against claims like hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability

This will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as legal defense fees, repair costs for stationary objects, structural damage, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as rehabilitation expenses, surgery and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Make a quick buck

We just showed you many ideas to compare 1997 Dodge Caravan insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers may even find the lowest rates come from some of the lesser-known companies. Regional companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut collision coverage to discover at claim time that it was a big error on their part. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.

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