2008 Dodge Grand Caravan Insurance Quotes – 8 Tips for Best Rates

Looking for cheaper insurance coverage rates for your Dodge Grand Caravan? No one looks forward to paying for insurance coverage, especially knowing their premiums are through the roof. Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a company to discover the definitive lowest price

Smart consumers take time to shop coverage around quite often due to the fact that insurance rates are rarely the same from one policy term to another. If you had the lowest price on Grand Caravan coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to quote online to find great coverage at a great price.

If you have a policy now or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Buying car insurance is not rocket science. Drivers just need to learn the proper methods to shop for insurance on the web.

Save on Dodge Grand Caravan insurance

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but a few need to be specially asked for in order for you to get them. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Grand Caravan coverage than their less cautious counterparts.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Grand Caravan coverage.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The discount lasts up to age 25.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Passive Restraints – Vehicles with factory air bags can get savings of more than 20%.
  • Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.

Drivers should understand that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of insurance companies with the best insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different so this has to be addressed. For example, these questions can help discover if you might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when making deliveries for my home business?
  • Should I rate my 2008 Dodge Grand Caravan as pleasure use or commute?
  • Is my babysitter covered when using my vehicle?
  • Is business equipment covered while in my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Who is covered by my policy?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Ads can be misleading

Drivers get pounded daily by advertisements for car insurance savings by companies like Geico, State Farm and Progressive. All the ads have a common claim about savings if you change to them.

How does each company say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the driver they prefer to insure. An example of a driver they prefer could be between the ages of 40 and 55, has no tickets, and chooses high deductibles. A propective insured that hits that “sweet spot” gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t qualify for these standards will be quoted higher rates which usually ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that much money. That’s why insurance companies can confidently state the savings.

This emphasizes why you need to get a wide range of price quotes. It is impossible to predict which insurance company will have the lowest Dodge Grand Caravan insurance rates.

Car insurance 101

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage 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 a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

Liability insurance provides protection from damage that occurs to people or other property. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, loss of income, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as pain medications, doctor visits, chiropractic care, prosthetic devices and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a bird and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This will pay to fix damage to your Grand Caravan resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Knowledge is power

When shopping online for insurance, do not reduce needed coverages to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Discount 2008 Dodge Grand Caravan insurance can be sourced online and with local insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Much more information about insurance is located at the links below