1999 Dodge Caravan Insurance Rates – 5 Tricks for Cheaper Quotes

Scraping up a payment for overpriced Dodge Caravan insurance can overdraw your checking account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a company to find the best rate

If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. Buying car insurance is quite easy. But drivers must know the methods companies use to market on the web and use this information to your advantage.

Lots of discounts mean lots of savings

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but less common discounts must be manually applied before you get the savings.

  • Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Club Memberships – Belonging to a civic or occupational organization could trigger savings when shopping for auto insurance on Caravan insurance.
  • Accident Waiver – Certain companies permit an accident before raising your premiums if your claims history is clear for a set time period.
  • No Claims – Claim-free drivers pay much less when compared with bad drivers.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates you could get a free auto insurance policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask each insurance company which discounts they offer. Savings might not apply everywhere.

Don’t believe everything you hear

Insurance coverage providers like Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. They all make the same claim of big savings if you switch your coverage to them. How do they all say the same thing?

Different companies are able to cherry pick for the right customer they prefer to insure. For example, a desirable insured could be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Potential insureds who don’t measure up to the requirements will have to pay more money and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can advertise the way they do.

Because of the profiling, it’s extremely important to compare as many rates as you can. It’s just too difficult to predict which insurance coverage company will have the lowest Dodge Caravan insurance rates.

Situations that might require an agent

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • How can I force my company to pay a claim?
  • Do I need to file an SR-22 for a DUI in my state?
  • When can my company non-renew my policy?
  • When do I need to add a new car to my policy?
  • Do I have coverage if my license is suspended?
  • Exactly who is provided coverage by my policy?
  • Does coverage extend to my business vehicle?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Insurance specifics

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Auto collision coverage

Collision coverage covers damage to your Caravan resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1999 Dodge Caravan.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, theft, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability coverage can cover damage or injury you incur to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, medical services, court costs, pain and suffering and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses like X-ray expenses, dental work, ambulance fees and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured cut liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Cheap 1999 Dodge Caravan insurance can be found online and with local insurance agents, so you should compare both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

More information is available at these links: