1998 Dodge Grand Caravan Car Insurance Quotes – 9 Savings Tips

Searching for the cheapest insurance coverage rates for your Dodge Grand Caravan? Sick and tired of scraping the payment together to buy car insurance? You are no different than many other drivers.

With consumers having so many online and local companies to choose from, it is hard for the average consumer to choose the best insurer.

Choosing the best insurance company for you is quite easy. If you have car insurance now, you should be able to save some money using this strategy. But car owners do need to learn how insurance companies market insurance on the web and apply this information to your search.

Compare the Market for Insurance Coverage

To find the best insurance coverage prices, there are several ways to get quotes from different insurance companies. The easiest way by far to find the lowest 1998 Dodge Grand Caravan rates consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This form keeps you from doing separate quote forms for each company. Just one form will return quotes from all major companies.

A slightly less efficient method to analyze rates requires visiting each company’s website and request a quote. For examples sake, let’s say you want rates from Progressive, Esurance and State Farm. You would have to go to every website to enter your coverage information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least recommended way to compare rates is to spend your day driving to and from local insurance agencies. Shopping for insurance coverage online has reduced the need for local agents unless you have a need for the professional guidance that only a license agent can provide. It is possible to obtain prices from the web but still have the advice of a local agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverage limits and deductibles for every company. If each company quotes higher or lower deductibles it will be next to impossible to make a fair comparison for your Dodge Grand Caravan. Having just a slight variation in coverage limits may result in a large different in cost. And when comparison shopping, quoting more gives you a better chance of getting lower pricing.

Verify you’re getting all your discounts

Companies that sell car insurance don’t always list all available discounts very well, so we took the time to find some of the more common as well as the least known savings tricks you should be using.

  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums on Grand Caravan insurance.
  • Paperwork-free – A handful of insurance companies will give a small break simply for signing online.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Grand Caravan insurance than drivers with accidents.
  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in school.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Good Student – Performing well in school can get you a discount of up to 25%. The good student discount can last up to age 25.

Consumers should know that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, you’re out of luck.

Insurance companies that may offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your state.

When should I talk to an agent?

When buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • Should I get collision insurance on every vehicle?
  • Is rental equipment covered for theft or damage?
  • Does my insurance cover my expensive audio equipment?
  • Do I really need UM/UIM coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?
  • Am I covered if I hit a deer?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Information about specific coverages

Learning about specific coverages of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for things like X-ray expenses, ambulance fees, funeral costs and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage will pay to fix damage to your Grand Caravan from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.


This can cover damage that occurs to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for 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.

Liability coverage pays for things like medical expenses, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, fire damage, rock chips in glass, hail damage and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.