1991 Dodge Caravan Insurance Rates – 8 Tricks for Best Quotes

Trying to find cheaper car insurance rates for your Dodge Caravan? No one in their right mind likes having to buy car insurance, especially knowing the cost is way too high. Insurance companies such as Progressive, GEICO and Farmers Insurance persitently shower you with catchy ads and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

If you have insurance now or need a new policy, you can use this information to reduce the price you pay and still get good coverage. Finding affordable coverage is quite easy. Drivers just need to learn the most effective way to compare price quotes online.

Save with discounts on 1991 Dodge Caravan insurance

Car insurance companies don’t necessarily list every discount very well, so we break down both the well known and also the lesser-known discounts you could be receiving. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Student in College – Youth drivers who are attending college and do not have a car may be able to be covered for less.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Caravan insurance with certain companies.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Dodge could be rewarded with lower rates on the low mileage vehicles.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Caravan insurance than less cautious drivers.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

For a list of insurers who offer car insurance discounts, click here to view.

Automobile Insurance Quotes

There are several ways to compare Dodge Caravan car insurance quotes, and some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to agents in your area, or you can utilize the web for quick rates.

Most of the larger companies take part in a program that enables customers to enter their policy data once, and every company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only drawback to using this type of system is that consumers can’t choose which companies you will receive quotes from. So if you prefer to choose individual companies to receive pricing from, we have a page of car insurance companies in your area. Click to view list.

However you get your quotes, double check that you are using exactly the same coverages on every quote. If each company quotes higher or lower deductibles it will be impossible to make a fair comparison for your Dodge Caravan.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Am I covered if I wreck a rental car?
  • How do I file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What can I do if my company denied a claim?
  • Am I covered if I hit a deer?
  • Do I need motorclub coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Are you falling for claims of savings?

Consumers can’t get away from ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the ads have a common claim that you can save if you switch your coverage to them.

How does each company make the same claim? This is how they do it.

Insurance companies can use profiling for the driver that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. A driver who fits that profile will get the preferred rates and most likely will save quite a bit of money when switching.

Potential customers who are not a match for these standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully make those claims. Because of the profiling, it’s extremely important to compare as many rates as you can. You cannot predict the company that will give you the biggest savings on Dodge Caravan insurance.

Auto insurance coverages

Knowing the specifics of insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, nursing services, X-ray expenses and surgery. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Dodge Caravan.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability

This will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, emergency aid, court costs, medical expenses and loss of income. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Caravan caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

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

Comprehensive can pay for things such as fire damage, rock chips in glass, hitting a deer and a broken windshield. The maximum amount your insurance company will pay 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.

Keep this in mind

You just read a lot of information how to reduce 1991 Dodge Caravan insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

Cheaper insurance can be bought online in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and these regional insurance providers work with independent agents.

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