Compare 2006 Dodge Caravan Insurance Rates

Trying to find lower insurance coverage rates? Buyers have many options when searching for the best price on Dodge Caravan insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There are more efficient ways to shop for insurance coverage so we’re going to tell you the best way to compare rates for a Dodge and obtain the best price possible from both online companies and local agents.

Save big with these discounts

Auto insurance companies don’t list every available discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit possible, you are throwing money away.

  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Driver Safety – Successfully completing a course in driver safety could save 5% or more if you qualify.
  • Student Driver Training – Have your child successfully complete driver’s ed class in school.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Dodge could qualify for discounted rates on garaged vehicles.
  • Claim Free – Good drivers with no accidents pay less compared to bad drivers.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Caravan coverage with a few auto insurance companies.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Paperless Signup – Certain companies may give you up to $50 just for signing your application on their website.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that may offer these benefits are:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not apply everywhere.

Free Quotes for Auto Insurance

There are several ways to compare Dodge Caravan auto insurance quotes, but there is one way that is easier and takes less work. You could spend your day driving to insurance agencies in your area, or you can stay home and use online quotes to achieve your goal.

Most major companies take part in a program that allows shoppers to enter their policy data once, and at least one company then returns a price quote based on the submitted data. This system prevents you from having to do quote forms to each company. To find out how much you can save on auto insurance click to open in new window.

One minor caviat to comparing rates this way is you are unable to specify which insurance companies you want pricing from. So if you want to choose from a list of companies to request quotes from, we have a page of low cost auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make darn sure you compare identical deductibles and coverage limits on every quote. If you have differing limits then you won’t be able to determine which rate is truly the best.

Dodge Caravan insurance rates consist of many parts

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for insurance. Understanding what determines base rates allows you to make educated decisions that can help you get better insurance rates.

Listed below are a few of the “ingredients” companies use to determine your rates.

  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. These vehicles protect occupants better and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Dodge is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Discounts for married couples – Getting married helps lower the price when buying insurance. Having a spouse means you’re more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Where do you drive? – The more miles you rack up on your Dodge every year the higher your rate. The majority of insurers rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than those used for commuting. Verify your insurance policy shows how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Caravan may be costing you.
  • Older drivers save more – Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers tend to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.
  • Never go without insurance – Driving without insurance is against the law and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Do you know you’re credit rating? – Having a bad credit history is a huge factor in calculating your insurance rates. If your credit rating is not that good, you could pay less to insure your 2006 Dodge Caravan by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.

But I don’t know anything about car insurance

When it comes to buying coverage, there really is not a “perfect” insurance plan. Each situation is unique.

For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Where can I find high-risk insurance?
  • Do I have newly-aquired coverage?
  • Am I better off with higher deductibles on my 2006 Dodge Caravan?
  • Is my dog or cat covered if injured in an accident?
  • Why do I only qualify for high-risk insurance?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Beware of misleading auto insurance ads

Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm and Allstate. All the companies say the same thing about savings if you switch to them.

How do they all claim to save you money?

Different companies have a preferred profile for the right customer they prefer to insure. A good example of a profitable customer could possibly be a mature driver, insures multiple vehicles, and chooses high deductibles. A driver who fits that profile will qualify for the lowest rates and therefore will save when switching.

Consumers who don’t meet the “perfect” profile will be charged higher rates which leads to the customer not buying. The ads say “drivers who switch” not “people who quote” save money. That is how insurance companies can confidently advertise the savings. That is why you should compare as many rates as you can. It’s not possible to predict which company will provide you with the cheapest Dodge Caravan insurance rates.

Car insurance coverage specifics

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Dodge Caravan.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as funeral expenses, court costs, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This covers damage to your Caravan resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like rehabilitation expenses, dental work, doctor visits and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

A fool and his money are soon parted

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Consumers switch companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, delays in paying claims and even lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

Cheap 2006 Dodge Caravan insurance can be sourced both online and with local insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Much more information about car insurance is located at these links: