1990 Dodge Caravan Insurance Quotes – 10 Ideas for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Dodge Caravan? Sick and tired of robbing Peter to pay Paul to buy car insurance? Your situation is no different than many other consumers.

Big companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s smart to take a look at other company’s rates once or twice a year because rates are usually higher with each renewal. Even if you got the best price on Caravan coverage two years ago the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about auto insurance because I’m going to teach you how to use online quotes to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will be able to save some money using these techniques. Choosing the best insurance company for you is not rocket science. But drivers can benefit from knowing how the larger insurance companies sell online.

Discounts can save BIG

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Most are applied when you purchase, but less common discounts must be inquired about before you will receive the discount.

  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Caravan coverage than drivers with accidents.
  • Clubs and Organizations – Belonging to certain professional organizations could trigger savings when shopping for insurance on Caravan coverage.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • College Student – Children living away from home attending college and do not have a car can receive lower rates.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous. Any qualifying discounts will bring down your premiums.

To see a list of providers who offer insurance discounts, click this link.

Insurance Prices Online

There are several ways to compare Dodge Caravan insurance prices but some are easier and takes less work. You can spend your afternoon talking about coverages with agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in an industry program that allows shoppers to submit one quote, and each company returns a competitive quote based on that data. This system prevents you from having to do quote requests for every insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to using this type of form is you cannot specify which carriers to receive prices from. So if you prefer to pick specific providers to request quotes from, we put together a list of insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples deductibles and coverage limits on every quote. If you compare mixed coverages it will be very difficult to make a fair comparison for your Dodge Caravan. Slightly different coverage limits could mean much higher rates. And when comparison shopping, having more price comparisons provides better odds of finding a better price.

Will just any policy work for me?

When it comes to choosing the best insurance coverage, there really is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Am I insured when driving a different vehicle?
  • Does liability extend to a camper or trailer?
  • What is high-risk coverage and where do I buy it?
  • Am I missing any policy discounts?
  • What happens if I owe more than my 1990 Dodge Caravan is worth?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Can switching companies really save?

Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. All the companies have a common claim that you can save after switching your coverage to them. How do they all say the same thing?

All companies have a certain “appetite” for the right customer that makes them money. An example of a driver they prefer might be a mature driver, owns a home, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who don’t measure up to these standards will have to pay higher rates and this can result in business not being written. The ads state “people who switch” not “everybody who quotes” save that kind of money. That is how companies can state the savings.

Because of the profiling, you should get quotes from several different companies. You cannot predict the company that will fit your personal profile best.

Insurance coverage basics

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like surgery, prosthetic devices and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, hitting a bird and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists 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 Caravan.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as loss of income, emergency aid and court costs. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision insurance

Collision insurance pays for damage to your Caravan caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

More quotes mean more savings

We just covered a lot of tips how to compare 1990 Dodge Caravan insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced physical damage coverage and discovered at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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