Save on 1994 Dodge Caravan Insurance Quotes

Searching for the cheapest auto insurance rates for your Dodge Caravan? Are you sick and tired of being strong-armed each month for car insurance? You’re in the same situation as many other drivers.

With so many companies and agents to choose from, it can be impossible to find the best provider.

Buying the best car insurance coverage is not that difficult. Just about every driver who is required by state law to have car insurance will most likely be able to save money. Although drivers must comprehend how big insurance companies sell insurance online and apply this information to your search.

Cut your premium with discounts

Car insurance can cost a lot, but there are discounts available that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but less common discounts must be asked about before being credited.

  • Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • E-sign – Some insurance companies will give a small break just for signing your application over the internet.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurance companies offering auto insurance discounts, follow this link.

Compare Quotes for Auto Insurance

The are a couple different ways of comparing rate quotes from different insurance companies. The easiest way by far to find the lowest 1994 Dodge Caravan rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

Probably the best way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry to each individual auto insurance company. One quote request will get you price quotes from multiple low-cost companies.

A slightly less efficient method to obtain and compare quotes online requires a trip to the website for each individual company to request a price quote. For sake of this example, we’ll pretend you want to compare rates from Farmers, Esurance and American Family. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just make sure you use exactly the same coverage limits with every price quote. If the quotes have mixed coverages you can’t possibly determine the lowest rate for your Dodge Caravan. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when quoting auto insurance, remember that obtaining a wide range of quotes will increase your chances of finding a better price.

Dodge Caravan insurance rates can be determined by these details

An important part of buying insurance is that you know the factors that help determine your auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

  • Older drivers pay less – Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers are known to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • Traffic violations increase rates – Your driving record impacts your car insurance rates tremendously. Even a single citation can increase rates twenty percent or more. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • What are your deductibles? – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Dodge from damage. A few examples of covered claims would be collision with another vehicle, vandalism, and burglary. The deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you have to pay, the less your company will charge you for insurance for Caravan coverage.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Dodge Caravan has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Little extras can really add up – There are a ton of extra coverages you can purchase if you aren’t careful. Coverages like vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
  • Small claims can cost you – Companies award lower rates to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

What is the best insurance coverage?

When choosing the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. For example, these questions might point out whether you might need an agent’s assistance.

  • Am I covered if I hit a deer?
  • Should I buy additional glass protection?
  • What if I don’t agree with a claim settlement offer?
  • When should I not file a claim?
  • Can my babysitter drive my car?
  • Do I have newly-aquired coverage?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Do you really save 40% when you switch?

Auto insurance providers like Allstate, GEICO and Progressive consistently run ads in print and on television. They all make the same claim that you can save if you change your coverage to them. How can each company claim to save you money?

All the different companies have a certain “appetite” for the driver that earns them a profit. For example, a preferred risk might be profiled as between the ages of 30 and 50, is a homeowner, and has excellent credit. A driver who matches those parameters is entitled to the best price and therefore will save when they switch companies.

Consumers who don’t qualify for the “perfect” profile will have to pay higher prices and this can result in business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That is how companies can truthfully advertise the way they do.

Because of the profiling, it is so important to get a wide range of price quotes. It’s impossible to know which auto insurance company will fit your personal profile best.

Parts of your car insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, hitting a bird, fire damage, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Dodge Caravan.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Collision coverage protection

Collision insurance will pay to fix damage to your Caravan from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, damaging your car on a curb, rolling your car, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability car insurance

This can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover 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. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as chiropractic care, EMT expenses, dental work, doctor visits and nursing services. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

We’ve covered a lot of tips how to reduce 1994 Dodge Caravan insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the best price on insurance is with a lesser-known regional company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

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